Privacy Policy

Information We Collect

At deltarionovaos, we collect various types of information to provide you with the best possible experience while using our credit understanding platform. This information helps us personalize your learning journey and improve our services.

We automatically collect information about how you interact with our platform, including pages visited, time spent on different sections, and features used. This data helps us understand user behavior and improve our educational content.

How We Use Your Information

Your information serves multiple purposes within our platform, all designed to enhance your understanding of credit and financial health. We believe in transparency about how your data creates value for your experience.

Purpose	Information Used	Frequency
Account Management	Personal information, login credentials	Ongoing
Credit Score Monitoring	Identity verification, credit bureau data	Monthly updates
Educational Content	Usage patterns, learning progress	Real-time
Customer Support	Contact information, account details	As needed

We also use aggregated and anonymized data to improve our platform's functionality and develop new features. This helps us create better credit education tools and identify areas where users need additional support.

Information Sharing and Disclosure

We understand that sharing your information is a significant trust decision. Here's exactly when and why we might share your data with others, always with your privacy and security as our top priority.

We work with trusted third-party companies to provide essential services like credit monitoring, payment processing, and customer support. These partners can only access information necessary for their specific services and are contractually bound to protect your data.

To provide you with credit monitoring services, we share your identifying information with Equifax, Experian, and TransUnion. This sharing is necessary to retrieve your credit reports and scores. We only share the minimum information required for identity verification.

We may share your information with other parties when you explicitly consent to such sharing. For example, if you choose to connect your bank account to our platform for enhanced credit analysis, we'll share relevant information with our financial data partners.

Data Security and Protection

Protecting your financial information is our highest priority. We employ multiple layers of security to ensure your data remains safe and confidential at all times.

Our team undergoes regular privacy and security training. Access to your information is restricted to employees who need it to perform their job functions. We maintain detailed logs of all data access and regularly review these logs for any suspicious activity.

Our servers are housed in secure facilities with biometric access controls, surveillance systems, and environmental monitoring. We partner with industry-leading data center providers who maintain the highest security standards.

Your Rights and Choices

You have significant control over your personal information. We believe in empowering you to make informed decisions about your data and providing clear ways to exercise your rights.

You can access and update most of your personal information directly through your account dashboard. For information you cannot update yourself, contact our support team at info@deltarionovaos.sbs, and we'll assist you within 10 business days.

You have the right to receive a copy of your personal information in a structured, commonly used format. This includes your account information, credit monitoring history, and learning progress data. We'll provide this information within 30 days of your request.

You can control how and when we communicate with you. Update your preferences in your account settings to choose which emails you receive, how often you get credit alerts, and whether you want SMS notifications.

Most web browsers allow you to control cookies through their settings. You can choose to accept all cookies, reject all cookies, or be notified when cookies are being sent. However, some features of our platform may not function properly without cookies.

Data Retention and Deletion

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

Data Type	Retention Period	Reason
Account Information	Active account + 3 years	Legal compliance, fraud prevention
Credit Reports	7 years	Canadian privacy law requirements
Usage Analytics	2 years	Service improvement
Marketing Data	Until opt-out + 30 days	Compliance with unsubscribe requests

We automatically delete certain types of information when they're no longer needed. For example, temporary session data is deleted when you log out, and old credit alerts are removed after two years unless you've saved them.

When we delete your information, we use secure deletion methods that make the data unrecoverable. This includes overwriting data multiple times and destroying any backup copies according to industry best practices.

Children's Privacy

Our services are designed for adults who want to understand and improve their credit. We do not knowingly collect personal information from children under 13 years of age. If you believe we have collected information from a child under 13, please contact us immediately.

We require age verification during account creation to ensure compliance with privacy laws. Users must be at least 18 years old to access credit monitoring services, as credit reports are only available for adults.

Parents who discover their child has provided personal information to us should contact our support team. We'll work quickly to verify the situation and delete any inappropriate information from our systems.

International Data Transfers

While deltarionovaos operates primarily in Canada, some of our service providers may process your information in other countries. We ensure that any international transfers comply with Canadian privacy laws and provide adequate protection for your data.

Whenever possible, we store Canadian users' data within Canada or with providers that maintain Canadian data centers. This helps ensure faster service and compliance with local privacy regulations.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. We believe in transparency about these changes and will notify you in advance of any significant updates.

For significant changes that affect how we collect, use, or share your information, we may require your explicit consent to continue using our services. You'll always have the option to delete your account if you disagree with policy changes.