Privacy Policy

Information We Collect

At ronaventhilosa, we collect information that helps us provide better financial services and improve your experience on our platform. This includes information you provide directly to us and information we gather automatically when you use our services.

How We Use Your Information

We use your personal information to deliver our financial services, comply with legal requirements, and enhance your overall experience. Our primary purposes include:

• Providing personalized financial advice and recommendations based on your goals and risk tolerance
• Processing transactions, managing your accounts, and maintaining accurate financial records
• Verifying your identity to prevent fraud and ensure account security
• Communicating with you about your accounts, services updates, and important policy changes
• Analyzing usage patterns to improve our platform's functionality and user experience
• Complying with Canadian financial regulations and reporting requirements
• Marketing relevant financial products and services that align with your interests

Information Sharing and Disclosure

We don't sell your personal information to third parties. However, we may share your information in specific circumstances that are essential for providing our services or meeting legal obligations.

We share information with trusted service providers who help us operate our platform, including payment processors, identity verification services, and cloud storage providers. These partners are contractually bound to protect your information and can only use it for the specific services they provide to us.

We may also disclose information when required by law, such as responding to court orders, regulatory requests, or investigations by law enforcement agencies. In cases involving potential fraud or security threats, we may share information to protect our users and maintain platform integrity.

Data Security and Protection

We implement comprehensive security measures to protect your personal and financial information. Our security framework includes encryption of data both in transit and at rest, regular security audits, and strict access controls for our team members.

All sensitive financial data is encrypted using industry-standard protocols. We maintain secure servers in Canadian data centers and regularly update our security systems to address emerging threats. Our team receives ongoing training on data protection best practices and privacy regulations.

Despite our robust security measures, no system is completely immune to security breaches. In the unlikely event of a data incident, we'll notify affected users promptly and take immediate action to minimize any potential impact.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by Canadian financial regulations. Different types of information have different retention periods based on legal requirements and business needs.

Account information and transaction records are typically retained for seven years after account closure, as required by financial regulations. Marketing preferences and communication logs are retained for three years unless you request earlier deletion. Technical data like IP addresses and usage logs are generally deleted after two years.

When information reaches the end of its retention period, we securely delete it from our systems. Some information may be retained longer if required for ongoing legal proceedings or regulatory investigations.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your browsing experience and analyze how our platform is used. Essential cookies are necessary for basic website functionality, while optional cookies help us personalize content and improve our services.

You can control cookie settings through your browser preferences. Disabling certain cookies may affect some website features, but won't prevent you from accessing core financial services. We don't use cookies to track your activities on other websites or sell your browsing data to third parties.

Third-Party Services

Our platform integrates with several third-party services to provide comprehensive financial tools. These include credit monitoring services, investment data providers, and payment processors. Each of these services has its own privacy policy governing how they handle your information.

We carefully select partners who maintain high privacy standards and enter into agreements that require them to protect your information appropriately. However, we encourage you to review the privacy policies of any third-party services you choose to connect with your ronaventhilosa account.

International Data Transfers

While we primarily store and process your information within Canada, some of our service providers may process data in other countries with adequate privacy protections. Any international transfers are conducted in compliance with Canadian privacy laws and include appropriate safeguards.

We ensure that any international data transfers meet strict privacy standards through contractual agreements, certification programs, or other approved transfer mechanisms. Your information remains protected regardless of where it's processed.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. We'll notify you of any significant changes through email or prominent notices on our website at least 30 days before they take effect.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. Continued use of our services after policy changes indicates your acceptance of the updated terms.