Privacy Policy

Information We Collect

equinoralyos collects various types of information to provide you with our financial milestone planning services. We are committed to transparency about what information we gather and how we use it to enhance your experience with our platform.

Personal Information

• Contact details including your full name, email address, phone number, and mailing address within Canada
• Financial information such as income ranges, financial goals, investment preferences, and risk tolerance assessments
• Employment information including job title, employer name, and professional experience relevant to your financial planning
• Demographic information such as age, gender, and family status to better tailor our financial recommendations
• Government-issued identification numbers when required for identity verification and regulatory compliance

Technical Information

• Device information including IP address, browser type, operating system, and device identifiers
• Usage data such as pages visited, time spent on our platform, click patterns, and feature usage statistics
• Location data based on your IP address to provide region-specific financial information and comply with Canadian regulations
• Cookies and tracking technologies that help us understand user behavior and improve our services

How We Use Your Information

Your information enables us to provide personalized financial milestone planning services tailored to your specific needs and circumstances. We use your data responsibly and in accordance with the purposes for which it was collected.

• Creating personalized financial milestone plans based on your goals, income, and life circumstances
• Providing educational content and resources relevant to your financial interests and knowledge level
• Sending important updates about your account, our services, and changes to our terms or policies
• Improving our platform through analysis of user behavior patterns and feedback to enhance user experience
• Ensuring platform security by monitoring for fraudulent activity and protecting against unauthorized access
• Complying with Canadian financial regulations and responding to legal requests from authorized government agencies
• Conducting research and analytics to develop new features and improve our financial planning tools

We never use your personal financial information for marketing purposes without your explicit consent. Our primary focus is helping you achieve your financial milestones through education and planning tools.

Information Sharing and Disclosure

equinoralyos operates with a strict policy regarding information sharing. We understand that your financial information is highly sensitive, and we take great care in determining when and with whom we share your data.

Service Providers

We may share your information with trusted third-party service providers who assist us in operating our platform and providing services to you. These providers are contractually obligated to protect your information and use it only for the specific services they provide to us.

• Cloud hosting services that store our data securely within Canadian data centers
• Payment processing companies that handle subscription payments and maintain PCI compliance standards
• Email service providers that help us communicate important updates and educational content to you
• Analytics providers that help us understand platform usage while maintaining user anonymity

Legal Requirements

We may disclose your information when required by Canadian law or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others. This includes cooperation with law enforcement agencies and regulatory bodies.

Data Protection and Security

Protecting your financial information is our top priority. We employ multiple layers of security measures to ensure your data remains safe, secure, and accessible only to authorized personnel and systems.

Technical Safeguards

• Advanced encryption protocols (AES-256) for data storage and SSL/TLS encryption for data transmission
• Multi-factor authentication requirements for all employee access to user data and administrative systems
• Regular security audits and penetration testing conducted by certified third-party security firms
• Automated backup systems with secure, geographically distributed storage locations within Canada
• Network monitoring and intrusion detection systems that alert us to potential security threats

Administrative Safeguards

• Strict employee access controls with role-based permissions and regular access reviews
• Comprehensive employee training programs on data privacy and security best practices
• Incident response procedures for quickly addressing any potential data security events
• Regular updates to our security policies and procedures to address emerging threats

While we implement robust security measures, no system is completely immune to security threats. We encourage you to use strong passwords and keep your account information confidential.

Your Privacy Rights Under Canadian Law

As a Canadian resident, you have specific rights regarding your personal information under the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws. We are committed to honoring these rights and providing you with clear mechanisms to exercise them.

• Right to Access: You can request a copy of all personal information we hold about you, including how we obtained it and how we use it
• Right to Correction: You can request corrections to any inaccurate or incomplete personal information in our records
• Right to Deletion: You can request deletion of your personal information, subject to legal and regulatory retention requirements
• Right to Portability: You can request your personal information in a structured, commonly used format for transfer to another service
• Right to Withdraw Consent: You can withdraw your consent for certain uses of your information, though this may limit our ability to provide services
• Right to Complain: You can file a complaint with the Privacy Commissioner of Canada if you believe we have violated your privacy rights

To exercise any of these rights, please contact our Privacy Officer using the contact information provided at the end of this policy. We will respond to your request within 30 days as required by Canadian privacy legislation.

Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve any disputes. Our data retention practices are designed to balance your privacy rights with our business and legal requirements.

Retention Periods

• Account information and financial planning data: Retained for the duration of your active account plus seven years after account closure for regulatory compliance
• Communications records: Retained for three years to provide customer support and resolve any service-related issues
• Technical and usage data: Retained for two years in identifiable form, then anonymized for analytical purposes
• Marketing communications data: Retained until you unsubscribe or request deletion, whichever occurs first
• Legal and regulatory records: Retained as required by applicable Canadian laws and financial regulations

Deletion Process

When personal information is no longer needed, we securely delete it using industry-standard data destruction methods. This includes overwriting digital storage media and physically destroying any paper records containing personal information.

If you request deletion of your account and personal information, we will honor this request within 30 days, except where we are required to retain certain information for legal or regulatory purposes. We will inform you of any limitations on deletion at the time of your request.

Cookies and Tracking Technologies

equinoralyos uses cookies and similar tracking technologies to enhance your experience on our platform, analyze usage patterns, and provide personalized content. We believe in giving you control over these technologies while explaining their importance for our service quality.

Types of Cookies We Use

• Essential Cookies: Necessary for basic platform functionality, including login sessions, security features, and form submissions
• Performance Cookies: Help us understand how users interact with our platform to identify areas for improvement
• Functional Cookies: Remember your preferences and settings to provide a more personalized experience
• Analytics Cookies: Collect anonymized data about platform usage to help us improve our services and content

You can control cookie settings through your browser preferences, though disabling certain cookies may limit your ability to use some platform features. We respect your choices regarding cookie preferences and provide clear options for managing these settings.

We do not use cookies for advertising purposes or share cookie data with third-party advertisers. Our focus is on improving your financial planning experience rather than tracking you across the internet.

Children's Privacy

equinoralyos's financial milestone planning services are designed for adults aged 18 and older. We do not knowingly collect personal information from children under 18 years of age, and our platform is not intended for use by minors.

If we become aware that we have inadvertently collected personal information from a child under 18, we will take immediate steps to delete this information from our systems and notify the parents or guardians as appropriate under Canadian privacy laws.

Parents who believe their child may have provided personal information to us should contact our Privacy Officer immediately. We are committed to working with families to address any privacy concerns involving minors.

International Data Transfers

equinoralyos is committed to keeping your personal information within Canada whenever possible. Our primary data processing and storage occurs in Canadian facilities to ensure compliance with Canadian privacy laws and provide you with the strongest privacy protections.

In limited circumstances, we may transfer your information outside Canada for specific business purposes, such as cloud backup services or technical support. When such transfers occur, we ensure appropriate safeguards are in place to protect your information according to Canadian privacy standards.

• All international transfers are governed by data processing agreements that require equivalent privacy protection
• We conduct due diligence on all international service providers to ensure they meet Canadian privacy standards
• Transfer agreements include provisions for data return or deletion upon contract termination
• We monitor international transfers to ensure ongoing compliance with Canadian privacy requirements

If you have concerns about international data transfers, please contact us to discuss how we can address your specific privacy needs while maintaining service quality.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or applicable laws. We are committed to keeping you informed about how we protect your privacy and will notify you of any significant changes.

When we make changes to this policy, we will update the "Last Updated" date at the top of this document and notify you through your registered email address or through a prominent notice on our platform. For material changes that significantly affect your rights, we will provide at least 30 days' advance notice.

We encourage you to review this privacy policy regularly to stay informed about how we are protecting your information. Your continued use of our services after any policy changes indicates your acceptance of the updated terms.

If you disagree with changes to our privacy policy, you may close your account and request deletion of your personal information, subject to any legal retention requirements.