Privacy Policy

Information We Collect

When you engage with our investment goal planning services, we collect information that helps us provide personalized financial guidance. Here's what we gather and why:

Personal Information

• Contact details including your name, email address, phone number, and mailing address
• Financial information such as income ranges, investment experience, and risk tolerance preferences
• Professional details including occupation and employment status for investment suitability assessments
• Government identification numbers as required by Canadian financial regulations
• Communication preferences and service interaction history

Technical Information

Our website automatically collects certain technical data to improve your experience. This includes your IP address, browser type, device information, and how you navigate our site. We use this data to enhance our platform's functionality and security.

How We Use Your Information

Your information serves specific purposes in our mission to help Canadians achieve their investment goals. We don't collect data just to have it — every piece serves a function.

Service Delivery

We use your personal and financial information to create customized investment strategies, provide ongoing portfolio guidance, and ensure our recommendations align with your goals and risk tolerance. This includes analyzing your financial situation and presenting suitable investment options.

Regulatory Compliance

As a financial services provider in Canada, we're required to collect and maintain certain information under IIROC, CIRO, and provincial securities regulations. This includes know-your-client documentation and suitability assessments.

Information Sharing and Disclosure

We share your information in limited circumstances, always with your interests in mind. Here's when and why we might share your data:

Service Providers

We work with trusted third parties who help us deliver our services. This includes technology platforms, custodial services, and compliance monitoring systems. These partners are contractually bound to protect your information and can only use it for the specific services they provide to us.

Legal and Regulatory Requirements

Sometimes we're legally required to share information with regulatory bodies like the Investment Industry Regulatory Organization of Canada (IIROC) or provincial securities commissions. We may also share information to comply with court orders, subpoenas, or other legal processes.

Business Transfers

If Solintos Forandro is acquired or merges with another company, your information would transfer to the new entity under the same privacy protections outlined in this policy.

Your Privacy Rights Under Canadian Law

As a Canadian resident, you have specific rights regarding your personal information. We've made it straightforward to exercise these rights.

Data Security Measures

Protecting your financial information isn't just important — it's everything. We've implemented multiple layers of security to safeguard your data.

Technical Safeguards

We use bank-level encryption (AES-256) for data transmission and storage. Our systems undergo regular security audits, and we maintain SOC 2 compliance standards. Multi-factor authentication protects account access.

Physical Security

Our servers are housed in Canadian data centers with 24/7 monitoring, biometric access controls, and redundant power systems. We maintain strict access controls for our office facilities.

International Data Transfers

We primarily store Canadian client data within Canada, but some service providers may process information in other countries with adequate privacy protections.

Cross-Border Processing

When we transfer data internationally, we ensure recipient countries have privacy laws substantially similar to Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). We use contractual safeguards and adequacy decisions where applicable.

Cloud Services

Our cloud infrastructure partners maintain data centers in Canada and the United States. These providers have certified their compliance with Canadian privacy standards and provide equivalent protection for your information.

Data Retention and Deletion

We keep your information only as long as necessary to provide services and meet regulatory requirements. Here's our approach to data retention:

Active Accounts

While your account is active, we retain all necessary information to provide ongoing investment planning services and maintain regulatory compliance.

Closed Accounts

After account closure, we retain client records for seven years as required by Canadian securities regulations. After this period, we securely delete personal information unless you've consented to longer retention for specific purposes.

Marketing Data

If you've only subscribed to our newsletter or downloaded educational content, we'll delete your information within three years of your last interaction with us, unless you remain engaged with our content.

Cookies and Website Technology

Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content.

Essential Cookies

These cookies are necessary for our website to function properly. They enable basic features like page navigation, secure login, and form submissions. You can't opt out of essential cookies while using our site.

Analytics and Performance

We use analytics cookies to understand how visitors use our website, which pages are most helpful, and where we can improve the user experience. This data is anonymized and helps us create better educational content.

Marketing and Personalization

With your consent, we use cookies to remember your preferences and show you relevant content. You can manage these preferences through your browser settings or our cookie consent tool.

Changes to This Privacy Policy

We review and update this privacy policy annually or when we make significant changes to our data practices. We'll notify you of material changes through email or a prominent notice on our website.

Version History

Previous versions of this policy are available upon request. We maintain records of all policy versions to demonstrate our ongoing commitment to privacy protection.

Ongoing Compliance

Our legal and compliance teams regularly review our privacy practices against evolving Canadian privacy laws, including proposed updates to PIPEDA and provincial privacy legislation.