Privacy Policy

Effective Date: January 15, 2025

Introduction

fenoralyvia Financial Security ("we," "us," or "our") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website fenoralyvia.world, use our financial security services, or interact with us in any way.

This policy complies with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial privacy legislation. We believe transparency builds trust, which is why we're explaining our practices in clear, straightforward language.

Information We Collect

Personal Information

Contact information including name, email address, phone number, and mailing address

Financial information such as income details, credit history, and financial goals

Identity verification documents as required by Canadian financial regulations

Employment information including employer details and position

Investment experience and risk tolerance assessments

Technical Information

We automatically collect certain technical information when you visit our website, including IP address, browser type, device information, and website usage patterns. This helps us improve our services and ensure website security.

How We Use Your Information

We use your personal information for legitimate business purposes related to providing financial security services. Our primary uses include:

Providing personalized financial security advice and services

Verifying your identity as required by Canadian financial regulations

Communicating with you about our services and your account

Processing applications and managing client relationships

Conducting risk assessments and compliance monitoring

Improving our services based on client feedback and usage patterns

Marketing Communications

We may send you educational content about financial security topics and information about our services. You can opt out of marketing communications at any time by using the unsubscribe link in our emails or contacting us directly.

Information Sharing and Disclosure

We do not sell your personal information to third parties. We may share your information in specific circumstances:

With regulatory authorities as required by Canadian financial laws

With trusted service providers who assist in delivering our services

With financial institutions when processing client transactions

When required by law enforcement or court orders

With your explicit consent for specific purposes

All third-party service providers are contractually bound to protect your information and use it only for the specific services they provide to us.

Your Privacy Rights

Under Canadian privacy law, you have several important rights regarding your personal information:

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days of receiving your written request.

Correct Your Information

If any information we have is inaccurate or incomplete, you can request that we correct it. We'll make corrections promptly and notify relevant third parties if necessary.

Withdraw Consent

Where we process your information based on consent, you can withdraw that consent at any time. This may affect our ability to provide certain services.

File a Complaint

If you believe we've mishandled your personal information, you can file a complaint with the Privacy Commissioner of Canada or your provincial privacy authority.

Data Security

We implement comprehensive security measures to protect your personal information from unauthorized access, use, or disclosure. Our security practices include:

Encryption of sensitive data both in transit and at rest

Regular security assessments and penetration testing

Restricted access to personal information on a need-to-know basis

Employee training on privacy and security best practices

Secure disposal of information that's no longer needed

While we use industry-standard security measures, no system is completely secure. We encourage you to protect your own information by using strong passwords and keeping your login credentials confidential.

Data Retention

We retain your personal information only as long as necessary for the purposes outlined in this policy or as required by Canadian law. Financial services regulations require us to maintain certain records for specific periods:

Client account records: 7 years from account closure

Transaction records: 7 years from transaction date

Marketing consent records: 3 years from withdrawal of consent

Website usage data: 2 years from collection

When information is no longer needed, we securely destroy or anonymize it according to our data destruction policies.

Cookies and Website Technologies

Our website uses cookies and similar technologies to improve your browsing experience and help us understand how visitors use our site. We use:

Essential cookies necessary for website functionality

Performance cookies to analyze website usage and improve our services

Preference cookies to remember your settings and choices

You can control cookie settings through your browser preferences. Disabling certain cookies may affect your ability to use some website features.

International Data Transfers

We primarily store and process your information within Canada. When we use service providers located outside Canada, we ensure appropriate safeguards are in place to protect your information according to Canadian privacy standards.

If you're accessing our website from outside Canada, please be aware that your information may be transferred to and processed in Canada, where our servers are located.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We'll notify you of significant changes by:

Posting the updated policy on our website with a new effective date

Sending email notifications to active clients about material changes

Providing notice through our client portal for account holders

We encourage you to review this policy periodically to stay informed about how we protect your information.

Questions About Privacy?

If you have questions about this Privacy Policy or how we handle your personal information, please contact us:

fenoralyvia Financial Security
155 Rue des Chênes O #3
Québec, QC G1L 1K6, Canada

Phone: +14507474464
Email: info@fenoralyvia.world

We'll respond to privacy inquiries within 30 days of receiving your request.