Privacy Policy
Effective date: 2025-01-01
We respect your privacy and comply with applicable Canadian laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA). This policy explains how MoneyRiver Journalism Academy (“we”, “us”, “our”, moneyriver.pro) collects, uses, discloses, and safeguards personal information in connection with our courses, community, events, and website operations.
Information we collect
- Account and contact details you provide (name, email, phone).
- Enrollment and payment metadata (handled by PCI-compliant processors; we do not store full card details).
- Technical data (IP address, device, browser, approximate location, pages viewed, cookies) to improve services and security.
- Support interactions, feedback, and assignments you submit in the course environment.
- Consent records and marketing preferences.
We collect personal information directly from you, automatically via the website, and from limited third parties such as payment or analytics providers as described below.
How we use information
- Provide and improve courses, support, and platform security.
- Authenticate users, prevent fraud, and maintain service integrity.
- Send transactional emails (receipts, updates) and optional newsletters (with opt-out at any time).
- Personalize content such as recommended modules or resources.
- Comply with legal obligations and respond to lawful requests.
Under PIPEDA, our collection and use are limited to reasonable purposes. Where required, we obtain your knowledge and consent. We rely on legitimate interests for service delivery and security, and consent for non-essential analytics/marketing cookies.
Third parties and cross‑border transfers
We may share limited personal information with service providers (e.g., payment processors, email delivery, analytics) under contracts that restrict their use to providing services to us. Some providers may process data outside Canada (including the United States). We assess safeguards, including contractual protections and security certifications, before engaging vendors.
- Payment processing: tokenized payments; we retain only transaction references and the last 4 digits of cards if provided by the processor.
- Communications: delivery of transactional messages and support notifications.
- Analytics (only if you consent): usage patterns and performance metrics.
You may contact us to obtain a list of core service providers relevant to your interaction with our services.
Retention
We keep personal information only as long as necessary for the purposes identified, to meet legal requirements, or to resolve disputes. Typical retention periods are:
- Account and course records: for your active use and up to 24 months after inactivity, unless you request deletion earlier and no legal exception applies.
- Payment records: as required by tax and financial regulations (generally 7 years).
- Analytics data: up to 24 months when you have consented.
Security
We use administrative, technical, and physical safeguards appropriate to the sensitivity of information, including TLS encryption, access controls, and monitoring. No method of transmission or storage is 100% secure; we encourage using strong, unique passwords and enabling device security features.
If we become aware of a breach creating a real risk of significant harm, we will notify affected individuals and report to the Office of the Privacy Commissioner of Canada (OPC) and any applicable provincial authorities, as required by law.
Your rights
You may request access to your personal information, seek corrections, withdraw consent to non‑essential processing, or request deletion where permitted by law. We will respond within a reasonable time and may require verification of identity.
- Access and portability: obtain a copy of your information.
- Correction: update inaccurate or incomplete data.
- Deletion: request erasure, subject to legal exceptions.
- Consent management: change cookie and marketing preferences at any time.
If you have concerns about our handling of personal information, you may contact us. You also have the right to contact the OPC or your provincial privacy regulator.
Children’s privacy
Our services are intended for individuals aged 16 and over. We do not knowingly collect personal information from children under 16. If you believe a child has provided personal information, please contact us to request deletion.
Changes to this policy
We may update this policy to reflect changes in our practices or legal requirements. We will post updates on this page and revise the “Effective date.” Material changes will be communicated through the website or by email where appropriate.
Contact
Email: [email protected] • Phone: +1 (416) 792-1234
Mailing: MoneyRiver Journalism Academy, 365 Bloor St E, Toronto, ON M4W 3L4, Canada
To exercise your rights, include your name, contact information, and details of your request. We may ask for additional verification to protect your privacy.