Privacy Policy

Last Updated: November 15, 2023

Kidiko Xudema ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our financial education services.

1. Information We Collect

We may collect personal information that you provide to us when using our services, including:

• Contact information (name, email address, phone number)
• Demographic information (age, income range, financial goals)
• Financial information (spending habits, budget details, debt information)
• Account credentials for our services
• Communication preferences
• Technical information (IP address, browser type, device information)

2. How We Use Your Information

We use the information we collect for various purposes, including to:

• Provide, maintain, and improve our services
• Personalize your experience and deliver customized content
• Process transactions and send related information
• Send you technical notices, updates, and support messages
• Respond to your comments, questions, and requests
• Communicate about products, services, offers, and events
• Monitor and analyze trends, usage, and activities
• Detect, investigate, and prevent fraudulent transactions
• Comply with legal obligations

3. Information Sharing and Disclosure

We may share your personal information in the following situations:

With Service Providers

We may share your information with third-party vendors, consultants, and other service providers who need access to such information to carry out work on our behalf.

For Business Transfers

If we are involved in a merger, acquisition, or asset sale, your information may be transferred as part of that transaction.

For Legal Reasons

We may disclose your information if required to do so by law or in response to valid requests by public authorities.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

6. Your Rights

Depending on your location, you may have the following rights regarding your personal information:

• Access and receive a copy of your personal data
• Rectify inaccurate personal data
• Request erasure of your personal data
• Restrict or object to processing of your personal data
• Data portability
• Withdraw consent at any time

7. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to remove that information.

8. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

Kidiko Xudema
123 Financial Drive, Toronto, ON M5X 1A1
Email: privacy@kidiko-xudema.sbs
Phone: +1 4373200230