Privacy Policy
Beyond the Degree
Effective date: 2026-11-01
At Beyond the Degree, we believe informed decisions begin with understanding. That includes understanding how your personal information is collected, used, protected and retained.
This Privacy Policy explains how we handle information submitted through our website and Financial Pulse™ educational assessment.
1. Information We Collect
When you use Financial Pulse™, we may collect:
Your name or preferred name and email address.
Information about your household, dependants and financial circumstances.
Your responses about income, financial preparedness, protection arrangements and financial confidence.
Your personalized assessment Results.
Your contact preferences and optional complimentary review request.
Our website and security services may also process technical information, such as browser details, IP addresses and information used to prevent automated or abusive activity.
We ask participants not to enter banking passwords, account numbers, Social Insurance Numbers or other unnecessary identifying information.
2. How We Use Your Information
We use the information you provide to:
Verify your email address and manage your assessment session.
Generate your personalized Financial Pulse™ Results and educational recommendations.
Email your Results to your verified email address.
Send a copy of those same Results to Farlene Soong, the administrator of Financial Pulse™.
Respond to a complimentary review request, if you choose to submit one.
Maintain the security, reliability and integrity of the assessment.
You do not need to request a complimentary review to complete the assessment.
Your participation does not automatically enrol you in a marketing newsletter or obligate you to purchase any product or service.
3. Who Receives Your Information
Your Results are emailed to you and to the Financial Pulse™ administrator.
We also use third-party technology providers to operate the website and assessment, including:
Squarespace: Website hosting and related website services.
Cloudflare: Assessment infrastructure, email-verification security, temporary database storage and automated security checks.
Resend: Delivery of verification messages, assessment Results and administrator notifications.
These providers process information as necessary to perform their services.
Information may be processed or stored outside Canada, including in the United States, where different privacy laws may apply.
4. Information Storage and Retention
Financial Pulse™ uses temporary encrypted database storage for submitted assessment records.
Our current retention approach is to automatically remove assessment records from the active database after approximately 30 days. Daily cleanup schedules, backups, logs and technical requirements may affect the exact timing of complete removal.
Email copies of your Results are separate from the temporary database. Copies delivered to you, the administrator or email service providers may remain beyond the database retention period.
Where an individual requests a complimentary review, relevant correspondence or records may be retained for a longer period when reasonably necessary to respond, provide requested services or meet legal obligations.
5. Security
We use security measures designed to protect personal information, including email verification, access restrictions, encrypted assessment record storage and controlled administrator access.
No online system or email transmission is completely risk-free. We encourage you to use a secure email account and exercise discretion when sharing your Results.
6. Complimentary Reviews
Requesting a complimentary review is optional.
If you request one, we may use your assessment information and contact preferences to respond and discuss your financial preparedness or income protection questions.
Completing Financial Pulse™ does not establish an insurance advisory relationship, guarantee eligibility for insurance coverage or authorize an insurance application.
7. Your Privacy Choices and Rights
You may contact us to ask about personal information we hold, request access or correction, inquire about deletion, or withdraw consent where applicable.
We may need to verify your identity before fulfilling a request. Some information may no longer be available after scheduled deletion, and certain retention obligations or exceptions may apply.
You may also raise a concern about our handling of your information.
8. Cookies and Website Technologies
Our website uses cookies and related technologies to support website operation, security, and visitor preferences. Squarespace also provides controls for accepting, declining, or managing non-essential cookies.
You can manage your preferences using the cookie banner displayed on our website. These controls apply to cookies and technologies managed through Squarespace's consent system and may not control every third-party service.
Financial Pulse™ uses Cloudflare Turnstile for security and browser storage to preserve assessment drafts. Saved assessment answers are cleared from that browser after successful submission. Please see the other sections of this Privacy Policy for details about assessment information, storage, and retention.
9. Changes to This Policy
We may update this Privacy Policy as our services, technology or legal obligations change. The effective date at the top of this page will indicate the current version.
Where appropriate, we will provide additional notice of significant changes affecting how personal information is handled.
10. Contact
Privacy Contact: Farlene Soong
Beyond the Degree
Ontario, Canada
Email: info@beyondthedegree.ca
For privacy questions, requests for access or correction, deletion inquiries, or concerns about personal information, please contact us at the email address above.