Onvisor Inc. ("Onvisor," "we," "us," or "our") is committed to protecting the privacy of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you use our services, including our financial planning and coaching services, website (www.onvisor.ca), and related platforms (collectively, the "Services").

 

1. Information We Collect

 

We collect personal information that is necessary to provide our Services, which may include:

• Contact Information: Name, address, email address, phone number.

• Financial Information: Income, assets, liabilities, investment details, tax information, financial goals.

• Demographic Information: Age, marital status, family details.

• Identification Information: Social Insurance Number (SIN) (if required for specific services and as permitted by law), driver's license, passport.

• Transaction Information: Payment details, service history.

• Website Usage Information: IP address, browser type, pages visited, cookies (see our Cookie Policy below).

• Communication Information: Records of our correspondence with you.

• Information You Provide Voluntarily: Any other information you choose to share with us, such as in surveys or feedback forms.

 

2. How We Collect Information

 

We collect your personal information in various ways, including:

• Directly from You: When you provide information through our website, during consultations, or through other interactions with us.

• From Third Parties: With your consent, we may collect information from third parties, such as financial institutions or other service providers.

• Automatically: We may collect certain information automatically when you use our website, such as through cookies and similar technologies.

 

3. How We Use Your Information

 

We use your personal information for the following purposes:

• To Provide Services: To deliver our financial planning and coaching services, including creating and managing your financial plan, providing advice, and communicating with you.

• To Communicate with You: To respond to your inquiries, provide updates about our services, and send you important notices.

• To Process Transactions: To process payments and manage your account.

• To Improve Our Services: To analyze data, conduct research, and enhance our website and services.

• To Personalize Your Experience: To tailor our services and communications to your needs and preferences.

• For Legal and Regulatory Compliance: To comply with applicable laws, regulations, and legal processes.

• For Marketing Purposes: With your consent, we may send you promotional materials about our services. You can opt out of marketing communications at any time.

 

4. How We Disclose Your Information

 

We may disclose your personal information to the following parties:

• Service Providers: We may share information with third-party service providers who assist us in providing our Services, such as payment processors, IT support providers, and marketing agencies. We ensure these providers are bound by confidentiality agreements.

• Financial Institutions: We may share your information with financial institutions as necessary to implement your financial plan or process transactions.

• Legal Authorities: We may disclose your information to legal authorities if required by law or to protect our rights or the rights of others.

• Business Transfers: In the event of a merger, acquisition, or other business transfer, your information may be transferred to the successor organization.

• With Your Consent: We will share your information with other third parties only with your explicit consent.

 

5. How We Protect Your Information

 

We take reasonable measures to protect your personal information from unauthorized access, use, or disclosure, including:

• Secure Storage: We store your information in secure electronic databases and physical files.

• Access Controls: We limit access to your information to authorized personnel who need it to provide our Services.

• Encryption: We use encryption technologies to protect sensitive information transmitted online.

• Regular Security Assessments: We conduct regular security assessments to identify and address potential vulnerabilities.

 

6. Data Retention

 

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. When your information is no longer needed, we will securely destroy or anonymize it.

 

7. Your Rights

 

You have the following rights regarding your personal information:

• Access: You have the right to request access to the personal information we hold about you.

• Correction: You can request that we correct any inaccurate or incomplete information.

• Deletion: You can request that we delete your information, subject to certain exceptions.

• Objection: You can object to the processing of your information for certain purposes, such as marketing.

• Withdrawal of Consent: If we process your information based on your consent, you can withdraw that consent at any time.

 

To exercise your rights, please contact us using the contact information below.

 

8. Cookie Policy

Our website may use cookies and similar technologies to enhance your experience. Cookies are small data files stored on your device. We use cookies for the following purposes:

• Essential Cookies: These cookies are necessary for the website to function properly.

• Performance Cookies: These cookies help us understand how you use our website and improve its performance.

• Functionality Cookies: These cookies allow us to personalize your experience.

• Advertising Cookies: With your consent, we may use these cookies to deliver targeted advertising.

 

You can manage your cookie preferences in your browser settings.

 

9. Links to Other Websites

 

Our website may contain links to other websites that are not governed by this Privacy Policy. We are not responsible for the privacy practices of these third-party websites.

 

10. Changes to This Privacy Policy

 

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the updated policy on our website or through other appropriate communication channels.

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11. Contact Us

 

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Onvisor Inc.

112 rue du Moulin, Dieppe NB, E1A 0L8

marcel@onvisor.ca

1.506.874.6124