1. Introduction

LedgerCPD (“we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in compliance with applicable laws in Canada, the United States, the United Kingdom, Nigeria, and best practices for learning management environments and accounting professionals.

2. Information We Collect

• Account & Profile Data: Name, email, organization, billing address, professional credentials.
• Course Interaction Data: Enrollment history, quiz results, certificates earned, progress logs.
• Technical Data: IP address, device type, browser, cookies, usage analytics.
• Payment Data: Billing records, transaction IDs (processed by Stripe/PayPal).
• Optional Data: Profile photo, feedback, survey responses.

3. How We Use Your Information

• Course delivery & support (enrollment, assessments, certificates, progress tracking).
• Account management, billing, fraud prevention, and service improvement.
• Regulatory compliance and professional development record-keeping.
• Communication about courses, updates, and support (you can opt-out of non-essential emails).

4. Legal Bases & Jurisdictional Requirements

Canada: PIPEDA and provincial privacy laws (e.g., Alberta PIPA, BC PIPA, Québec Law 25).

United States: State privacy laws (e.g., CCPA/CPRA in California, VCDPA in Virginia), sector rules, and FERPA where applicable to education records.

United Kingdom: UK GDPR and Data Protection Act 2018.

Nigeria: NDPR and relevant NCC guidelines.

We process data based on consent, contract performance, legal obligation, and legitimate interests, as appropriate.

5. Privacy in Our LMS

• Role-based access controls for instructors, admins, and learners.
• Limited visibility of learner progress to authorized roles only.
• Assessment data retained to substantiate CPD compliance.

6. Special Considerations for Accountants

We recognize confidentiality requirements for accounting professionals and apply heightened protections for any client-related information shared within courses or assessments.

7. Your Data Rights & Choices

Depending on your location, you may have rights to access, correct, delete, or port your data; to object or restrict processing; and to withdraw consent for non-essential processing.

8. Data Retention & Disposal

We retain records only as long as necessary for legal, regulatory, and accreditation purposes, after which data is securely deleted or anonymized.

9. Security Measures

• Encryption in transit (HTTPS/TLS) and at rest for sensitive data where applicable.
• Access controls, audit logs, and least-privilege principles.
• PCI-DSS compliant processors for payments (Stripe/PayPal).

10. Third-Party Disclosures

We share data with service providers (e.g., cloud hosting, payment processors, analytics) under contracts that require confidentiality and security.

11. Incident Management

We maintain procedures for detecting, investigating, and notifying about data incidents consistent with applicable laws.

12. Updates to This Policy

We may update this policy from time to time. Material changes will be communicated via the LMS or email.

13. Contact Us

Address: 108A, 2640 52 Street, Calgary, P.O. BOX 54015, Alberta, Canada, T1Y 3R6

Email: privacy@ledgercpd.com