Privacy Policy
Last Updated: 2026-11-01
KOWURA.COM
Owned and Operated by VIRTUAL CONSULTING OFFICE (VCO) INC.
Effective Date: November 1, 2026
1. Introduction
VIRTUAL CONSULTING OFFICE (VCO) INC. (“VCO,” “we,” “us,” or “our”) owns and operates Kowura.com, an online learning, professional training and educational services platform.
We respect the privacy of our students, instructors, institutional clients, website visitors and other users.
This Privacy Policy explains how we collect, use, disclose, store and protect personal information.
Our privacy practices are intended to comply with applicable Canadian privacy legislation, including Alberta’s Personal Information Protection Act (PIPA), the federal Personal Information Protection and Electronic Documents Act (PIPEDA) where applicable, and other relevant privacy laws.
2. Personal Information We Collect
Depending on the services used, we may collect:
Account Information: Names, email addresses, telephone numbers, usernames, account credentials and country of residence.
Educational Information: Course enrolments, learning progress, quiz results, examination simulations, assessment submissions and completion records.
Transaction Information: Purchases, subscription details, billing information, payment status and transaction records.
Technical Information: IP addresses, browser types, device information, cookies, access logs and website usage data.
Communications: Customer support enquiries, feedback, reviews and correspondence.
Instructor and Institutional Information: Professional profiles, qualifications, organization details and information necessary to administer training or licensing arrangements.
Payment card information is handled according to the arrangements with the relevant payment processor. Where payment details are collected directly by third-party processors, their privacy policies also apply.
3. How We Use Personal Information
We use personal information for legitimate educational, administrative and business purposes, including:
Creating and managing user accounts.
Delivering purchased courses and educational services.
Processing payments and managing subscriptions.
Tracking learning progress and examination results.
Issuing eligible course completion certificates.
Providing customer support and technical assistance.
Managing educator, instructor and institutional accounts.
Maintaining website security and preventing fraud.
Improving course quality and Platform performance.
Sending promotional communications where permitted by law and subject to applicable consent requirements.
Meeting legal, accounting, regulatory and contractual obligations.
We limit collection, use and disclosure to purposes that are reasonable, identified and legally authorized.
4. Consent and User Choices
Where consent is required, we obtain it before collecting, using or disclosing personal information.
Users may withdraw consent, subject to applicable legal or contractual restrictions and reasonable notice.
Withdrawal may affect our ability to provide services that require the relevant information.
Marketing communications will include an unsubscribe mechanism where required by law.
5. Sharing and Disclosure of Information
We may disclose relevant personal information to trusted service providers that assist with:
Website hosting and technical infrastructure.
Learning management and course delivery.
Payment processing and subscription management.
Email delivery and customer communications.
Virtual classroom and video conferencing services.
Website security, analytics and operational support.
Instructor and institutional learning administration.
Information may also be disclosed where required by law, to protect legitimate legal interests or in connection with a lawful business transaction.
We do not sell personal information to third-party data brokers.
Service providers are expected to protect information and use it only for authorized purposes, subject to applicable agreements and laws.
6. Cookies and Website Analytics
Kowura may use cookies and similar technologies to maintain login sessions, remember preferences, improve website functionality, measure performance and support authorized analytics.
Where required, users will be provided with appropriate cookie notices and consent options.
Users may also manage certain cookies through their browser settings, although disabling essential cookies may affect Platform functionality.
7. International Data Processing
Because Kowura serves an international audience, personal information may be processed or stored in Canada or other countries where our authorized service providers operate.
Information processed outside a user’s country may be subject to the laws of that jurisdiction.
We implement appropriate contractual, technical and organizational safeguards for international processing and provide additional disclosures or choices where required by applicable law.
8. Information Security
We apply reasonable administrative, technical and organizational safeguards appropriate to the sensitivity of the information, including measures intended to prevent unauthorized access, disclosure, alteration, loss or misuse.
These may include access controls, secure connections, account authentication, system monitoring and restricted administrative privileges.
No internet-based system can guarantee absolute security.
Users should protect their passwords and promptly report suspected unauthorized account activity.
9. Data Retention
We retain personal information only as long as reasonably necessary to provide services, fulfil identified purposes, meet legal obligations, resolve disputes and maintain appropriate business records.
Retention periods vary depending on the information involved and applicable requirements.
When information is no longer required, we will securely delete, destroy or anonymize it, as appropriate.
10. User Privacy Rights
Subject to applicable law, users may request:
Access to personal information held about them.
Correction of inaccurate or incomplete information.
Withdrawal of consent where legally available.
Deletion of personal information where required or permitted by law.
Information about relevant collection, use and disclosure practices.
Review of a privacy concern or complaint.
Requests may be submitted to our designated Privacy Officer.
We may verify the identity of a requester before releasing or changing personal information.
Users may also contact the appropriate privacy regulator where they believe their rights have been violated.
11. Children’s Privacy
Kowura may offer educational content suitable for younger learners.
Where minors are permitted to use the Platform, we will implement age-appropriate safeguards and obtain parental or guardian authorization where required.
We do not knowingly collect children’s personal information without the consent or other lawful basis required by applicable law.
Parents or guardians may contact us regarding a minor’s personal information.
12. Educational Records and Assessment Data
Course progress, assessment results, practice examination performance and completion records may be used to deliver learning services and provide relevant academic or training support.
Where an educator or institution purchases access for students, authorized representatives may receive appropriate learning progress and performance information consistent with the applicable agreement, user notices and privacy law.
Educational records will not be publicly disclosed without appropriate authorization or another lawful basis.
13. Third-Party Websites and Services
Kowura may contain links to third-party websites, certification organizations, payment providers and external educational resources.
These organizations operate under their own privacy policies.
We encourage users to review those policies before submitting personal information.
14. Data Breaches and Incident Response
Where a privacy or security incident occurs, VCO will investigate, take reasonable corrective measures and provide notifications to regulators and affected individuals as required by applicable law.
We will maintain appropriate procedures for assessing and responding to privacy incidents.
15. Limitation of Liability
VCO’s Terms and Conditions contain a contractual limitation of liability intended to restrict eligible claims to a maximum aggregate amount of US$100.00 (One Hundred United States Dollars) per claimant, to the fullest extent permitted by law.
This provision does not override applicable privacy legislation, statutory remedies, regulatory powers or liabilities that cannot legally be restricted.
The Privacy Policy does not reduce VCO’s mandatory obligations to protect personal information or respond appropriately to privacy incidents.
16. Changes to This Privacy Policy
We may update this Privacy Policy to reflect changes in our services, privacy practices, technology or applicable legislation.
The revised version will be published on Kowura.com with an updated effective date.
Where required, material changes will be communicated and additional consent obtained.
17. Privacy Officer and Contact Information
For questions, complaints or requests concerning personal information, please contact:
Privacy Officer
VIRTUAL CONSULTING OFFICE (VCO) INC.
Owner and Operator of Kowura.com
Alberta, Canada
Website: https://kowura.com
Privacy Email: [email protected]
Business Mailing Address: 4216 114 Street, Northwest, Edmonton. Alberta. T6J 1M9
We will review privacy enquiries and respond within applicable legal requirements.
© 2026 VIRTUAL CONSULTING OFFICE (VCO) INC. All Rights Reserved.