Client Consent Notice

1. Consent Overview

1.1 Your Control

You have control over your personal information. We collect and use your data only with your consent, except where permitted or required by law. You can withdraw your consent at any time, though this may affect your ability to use certain platform features.

1.2 Informed Consent

We believe in informed consent. This means we provide clear, understandable information about what data we collect, why we collect it, and how we use it, so you can make informed decisions about your privacy.

1.3 PIPEDA Compliance

Our consent practices comply with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable privacy laws.

2. Information We Collect

2.1 Account Information

2.2 Skills Assessment Data

2.3 Session and Communication Data

2.4 Usage and Technical Data

3. Types of Consent

3.1 Express Consent

We obtain your explicit, written consent for sensitive activities. You actively agree to these by checking boxes, signing agreements, or clicking "I agree" buttons.

3.2 Implied Consent

For some routine activities, your consent is implied by your use of the platform. These are activities that are reasonably expected as part of the service.

3.3 Opt-in vs. Opt-out

• Opt-in: You must actively choose to participate (e.g., marketing emails)
• Opt-out: You're included by default but can choose to stop (e.g., usage analytics)
• No opt-out: Required for core platform functionality

4. How We Use Your Data

4.1 Primary Uses (Core Services)

4.2 Secondary Uses (With Consent)

• Marketing Communications: Send you information about new services, features, and opportunities
• Research and Development: Improve our services and develop new features (anonymized data)
• Quality Assurance: Monitor and improve advisor performance and service quality
• Industry Insights: Create anonymized reports about skills trends and market needs

5. Data Sharing and Disclosure

5.1 Sharing with Advisors

5.2 Third-Party Service Providers

We share limited data with trusted service providers who help us operate the platform:

• Payment Processors: Billing information for payment processing
• Cloud Hosting: Technical data for platform operation
• Communication Services: Contact information for sending messages
• Analytics Providers: Anonymized usage data for platform improvement

5.3 Legal Disclosures

We may disclose your information when required by law or to:

• Comply with legal processes (court orders, subpoenas)
• Protect our rights and property
• Ensure user safety and platform security
• Investigate fraud or other illegal activities

5.4 Business Transfers

If we're involved in a merger, acquisition, or sale of assets, your information may be transferred. We'll notify you before your information becomes subject to different privacy practices.

6. Managing Your Consent

6.1 Consent Dashboard

You can manage your consent preferences through your account settings. Our consent dashboard allows you to:

• View all active consents
• Modify your preferences
• Withdraw consent for specific activities
• Download a record of your consent history

6.2 Withdrawing Consent

6.3 Granular Control

You have granular control over different types of consent:

• Marketing: Choose which types of marketing communications you receive
• Data Sharing: Control what information is shared with advisors
• Research: Opt in or out of research and development activities
• Analytics: Choose your level of participation in usage analytics

7. Your Rights and Options

7.1 Access Rights

7.2 Correction Rights

7.3 Deletion Rights

7.4 Complaint Rights

If you're not satisfied with how we handle your privacy concerns, you can:

• Contact our Privacy Officer for resolution
• File a complaint with the Privacy Commissioner of Canada
• Seek legal advice about your privacy rights
• Contact relevant provincial privacy authorities

8. Contact Information