Privacy Policy

Information We Collect

oravellithan collects various types of information to provide you with our budgeting and financial education services. We're transparent about what we collect and why we need it.

Personal Information

• Contact details including name, email address, phone number, and mailing address when you register for our services
• Financial information such as income ranges, expense categories, and budgeting goals to personalize your experience
• Payment information when you subscribe to premium services, processed through secure third-party payment processors
• Government-issued identification for verification purposes when required by Canadian financial regulations

Usage Data

We automatically collect information about how you interact with our platform. This includes pages viewed, time spent on different features, and the actions you take within our budgeting tools. This data helps us improve our services and create better educational content.

How We Use Your Information

Your information serves specific purposes that directly benefit your experience with oravellithan's financial education platform.

• Providing personalized budgeting recommendations based on your financial goals and spending patterns
• Sending educational content, newsletters, and updates about new features that match your interests
• Processing payments for premium subscriptions and managing your account billing
• Analyzing usage patterns to improve our educational tools and develop new resources
• Complying with Canadian financial services regulations and tax reporting requirements where applicable
• Providing customer support and responding to your questions about our services

We operate under the principle of data minimization - we only use your information for the purposes you've agreed to and as outlined in this policy. We don't sell your personal data to third parties for marketing purposes.

Information Sharing and Disclosure

oravellithan shares your information only in specific circumstances and with your consent or as required by law. We maintain strict controls over who can access your data.

Service Providers

We work with trusted third-party service providers who help us operate our platform. These include cloud hosting services, email delivery platforms, payment processors, and analytics tools. All service providers are bound by contractual agreements to protect your information and use it only for the services they provide to us.

Legal Requirements

We may disclose your information when required by Canadian law, court orders, or regulatory requirements. This includes compliance with PIPEDA (Personal Information Protection and Electronic Documents Act) and other relevant privacy legislation. We'll notify you of such disclosures when legally permitted to do so.

Business Transfers

In the event oravellithan is acquired by or merged with another company, your information may be transferred as part of that transaction. We'll provide notice and ensure the new entity maintains the same privacy protections outlined in this policy.

Your Privacy Rights

Under Canadian privacy law, you have several important rights regarding your personal information. We've made it easy for you to exercise these rights.

To exercise any of these rights, contact our privacy team at info@oravellithan.com or send written request to our address below. We'll respond to your request within 30 days and may ask for additional information to verify your identity.

Data Security and Protection

Protecting your information is a top priority. We implement comprehensive security measures to safeguard your personal data against unauthorized access, disclosure, or misuse.

Technical Safeguards

• End-to-end encryption for all data transmissions using industry-standard TLS protocols
• Encrypted storage of sensitive information using AES-256 encryption standards
• Regular security audits and penetration testing by independent security firms
• Multi-factor authentication requirements for all administrative access to our systems
• Automated backup systems with encrypted off-site storage in Canadian data centers

Administrative Controls

Access to your personal information is strictly limited to authorized employees who need it to perform their job functions. All staff undergo privacy and security training, and we maintain detailed access logs for audit purposes.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods.

Account Information

Basic account information is retained while your account remains active. After account deletion, we permanently remove most personal data within 90 days. Some anonymized usage statistics may be retained for analytical purposes.

Financial Data

Budgeting information and financial goals you input are deleted immediately upon account closure unless you've specifically requested to retain this data for tax or record-keeping purposes. Payment records are retained for seven years as required by Canadian tax regulations.

Communication Records

Customer support communications are retained for two years to improve our service quality and resolve any follow-up issues. Marketing communication preferences are maintained until you change them or close your account.

Cookies and Tracking Technologies

oravellithan uses cookies and similar technologies to enhance your experience, analyze site usage, and deliver personalized content. You have control over how these technologies are used.

Essential Cookies

These cookies are necessary for our website to function properly. They enable basic features like page navigation, access to secure areas, and account authentication. These cookies don't collect personally identifiable information and can't be disabled.

Analytics and Performance

We use analytics cookies to understand how visitors interact with our website. This helps us identify popular content, optimize user experience, and fix technical issues. You can opt out of analytics tracking through your browser settings or our cookie preferences center.

Managing Cookie Preferences

You can control cookie settings through your browser preferences or our cookie management tool available in your account settings. Disabling certain cookies may limit some website functionality, but won't affect core budgeting features.

Third-Party Links and Services

Our website may contain links to third-party websites, educational resources, or financial tools. This privacy policy applies only to oravellithan's services - third-party sites have their own privacy policies and practices.

We recommend reviewing the privacy policies of any external sites you visit through links on our platform. oravellithan is not responsible for the privacy practices or content of third-party websites, even if we link to them as educational resources.

Integrated Services

Some features may integrate with third-party services like calendar applications or productivity tools. These integrations are optional and clearly marked. We'll always ask for your explicit consent before connecting to external services that access your personal information.

Children's Privacy

oravellithan's services are designed for adults (18 years and older) seeking financial education and budgeting tools. We don't knowingly collect personal information from children under 13, or teens under 16 without parental consent.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately at info@oravellithan.com. We'll promptly delete any such information from our systems.

For users aged 16-17, we require parental consent for account creation and will provide parents with access to manage their teen's privacy settings and account information.

International Data Transfers

oravellithan is based in Canada and primarily stores data within Canadian borders. However, some of our trusted service providers may process data in other countries with adequate privacy protections.

When we transfer data internationally, we ensure appropriate safeguards are in place, including:

• Data processing agreements that meet Canadian privacy standards
• Adequacy decisions recognizing equivalent privacy protection in destination countries
• Standard contractual clauses approved by Canadian privacy authorities
• Regular audits of international service providers' privacy practices

Privacy Policy Updates

This privacy policy may be updated periodically to reflect changes in our practices, services, or legal requirements. We'll notify you of significant changes through email or prominent notices on our website.

Minor updates or clarifications may be made without individual notice, but we'll always update the "Last Updated" date at the top of this policy. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of oravellithan's services after policy updates indicates your acceptance of the revised terms. If you disagree with changes, you can close your account or contact us to discuss your concerns.