Privacy Policy – MCO Consultants Inc. eLearning Services
MCO Consultants Inc. (“we,” “our,” “us”) values your privacy and is committed to handling your personal information with care, respecting Canadian privacy laws including PIPEDA, CASL, and applicable provincial legislation.
By using our website www.mcoconsultants.ca (“Site”) and our eLearning Services (including online courses, course bundles, subscriptions, and live online workshops) (“Services”), you consent to the collection, use, and disclosure of your information as described in this Policy.
- Applicability and Jurisdiction
- These practices apply to visitors, learners, and users in Canada and globally, and are governed by Canadian law, with specific notices for Québec users under provincial laws including Bill 64 and the Charter of the French Language.
- Where applicable, matters relating to privacy, consumer protection, and contractual interpretation are governed by the laws of Canada and the Province of New Brunswick.
- Personal Information Collected
We collect information necessary to provide and improve our Services, including:
- Identification data: name, email, address, phone
- Account credentials: username, password (secured)
- Payment information: credit card, invoicing (processed by PCI DSS-compliant third parties)
- Learning data: course enrolments, progress, quiz and assessment results, certificates
- Communication: inquiries, feedback, surveys, support requests
- Technical data: IP addresses, device/browser info, cookies, log data
- Sensitive Information: accessibility needs, accommodations, health-related information if voluntarily provided
- User-generated content: uploads, forum posts, assignments (subject to additional terms).
- Learning data may differ depending on whether the Service is a self-paced eLearning course, subscription-based content, or live online workshop.
- Means of Collection
- Direct input via account registration, course enrolment, forms, and surveys
- Automated collection via cookies and analytics tools (see Cookies section)
- From third-party integrations (e.g., payment processors, video hosting platforms)
- Use of Information
Collected data is used to:
- Manage accounts, process payments, and deliver purchased or subscribed courses
- Provide customer service, technical support, and respond to inquiries
- Personalize your learning experiences, course recommendations, and communications
- Comply with legal or regulatory requirements
- Conduct research, analytics, and continuous improvement (aggregate and anonymized)
- Send marketing communications with your explicit consent (unsubscribe at any time)
- Process refund requests, cancellations, disputes, and enforce our Refund Policy and Terms and Conditions.
- Sharing and Disclosure
Information is shared only as necessary with:
- Trusted service providers bound by confidentiality and privacy agreements
- Legal authorities as required by law
- With your consent or to protect rights and safety
International Transfers: Data may be processed or stored in countries outside Canada where some data privacy protections may differ. We ensure contractual safeguards per Canadian law are in place.
- Cookies & Tracking
- Cookies and similar technologies enable core functionality, analytics, and marketing personalization.
- Users can control cookie settings via browser controls; disabling some cookies may impair function.
- Security and Retention
- We implement robust technical, physical, and organizational safeguards aligned with industry standards.
- Personal information is retained only for as long as needed to fulfill purposes or comply with legal obligations; securely destroyed thereafter.
- Certain records, including payment transactions, refund requests, and related communications, are retained as required for legal, accounting, audit, and consumer protection purposes, even after account closure or refund determination.
- Data Breach Notification
- In compliance with Canadian breach notification laws, we will notify affected users and relevant authorities of any security breaches posing a real risk of significant harm.
- User Rights and Choices
You have the right to:
- Access and correct your personal information via your account or by contacting us
- Withdraw consent for marketing communications anytime
- Request deletion of personal information, subject to legal, contractual, accounting, dispute-resolution, and refund-related retention requirements.
- Receive a copy of your personal data in a portable, machine-readable format
- Lodge a privacy complaint internally or with the Office of the Privacy Commissioner of Canada or your provincial regulator
- Minor and Accessibility Considerations
- We do not knowingly collect information from children under 13 without verifiable parental consent.
- Accessibility accommodations are available upon request for equitable platform use.
- Automated Decision Making
- Some personalization or recommendations may be powered by automated processes. You may request information about such processing or opt out via customer support.
- Legal Disclosure
- We reserve the right to disclose personal information when compelled by law, legal process, or to protect rights, safety, or security.
- This Privacy Policy should be read together with our eLearning services Terms and Conditions of Service and Refund Policy, which govern the contractual and financial aspects of our Services.
- Marketing Communication
- Marketing emails require your explicit opt-in.
- We may send administrative and service-related communications without prior consent.
- You may unsubscribe or opt out at any time via links in emails or user settings.
- We may send administrative, transactional, and service-related communications (including notices related to your account, purchases, refunds, or policy updates) without prior marketing consent.
- International User Notice
- If accessing from outside Canada, data may be subject to foreign laws. We commit to safeguarding your privacy consistent with Canadian standards.
- Changes to This Policy
- Material changes will be communicated via email or site notices. Continued usage signifies acceptance.
- Contact Information
For questions, privacy requests, or complaints:
MCO Consultants Inc.
hello@mcoconsultants.ca or support@mcoconsultants.ca
506-607-6262 or 506-607-6263
By using our Site and Services, you acknowledge that you have read and agreed to this Privacy Policy.