1 Information We Collect

When you interact with nevathorilaq's financial services, we collect various types of information to provide you with personalized assistance and comply with Canadian financial regulations. This includes information you provide directly and information we gather through your use of our services.

Personal information we collect includes:

• Contact details such as name, email address, phone number, and mailing address
• Financial information including income details, employment status, and credit history when relevant to our services
• Identification documents required under Canadian Anti-Money Laundering regulations
• Communication preferences and service interaction history
• Technical information from your device and browser when using our website
• Cookies and similar tracking technologies to improve user experience

2 How We Use Your Information

We use collected information primarily to deliver financial services, maintain regulatory compliance, and enhance your customer experience. Our team processes your data with care and attention to Canadian privacy standards.

Specific uses include:

• Providing personalized financial guidance and customer support
• Processing service requests and maintaining accurate client records
• Complying with federal and provincial financial regulations in Canada
• Improving our services through analysis of usage patterns and feedback
• Communicating important updates about your account or services
• Conducting internal research to better serve Canadian financial market needs

3 Information Sharing and Disclosure

nevathorilaq does not sell your personal information to third parties. We share information only when necessary for service delivery, regulatory compliance, or with your explicit consent. All sharing practices align with Canadian privacy legislation and financial industry standards.

We may share information with:

• Licensed financial institutions when facilitating services on your behalf
• Government agencies as required by Canadian federal and provincial laws
• Professional service providers who assist in delivering our financial services
• Legal counsel when necessary to protect our rights or comply with legal processes
• Successor entities in the event of a business transfer, with advance notice to clients

4 Your Privacy Rights Under Canadian Law

As a resident of Canada, you have specific rights regarding your personal information under federal and provincial privacy legislation. We respect these rights and have established clear procedures for you to exercise them.

5 Data Security and Protection

Protecting your financial information is fundamental to our operations. We employ multiple layers of security measures designed to safeguard personal data against unauthorized access, disclosure, or misuse. Our security practices meet Canadian financial industry standards and are regularly reviewed.

Security measures include:

• Encryption of sensitive data both in transit and at rest using industry-standard protocols
• Secure servers hosted in Canadian facilities with physical and digital access controls
• Regular security audits and penetration testing by qualified third-party professionals
• Employee training on privacy and security best practices with signed confidentiality agreements
• Multi-factor authentication for system access and regular password policy enforcement
• Incident response procedures for potential security breaches with client notification protocols

6 Data Retention and Deletion

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Retention periods vary based on the type of information and applicable Canadian regulations for financial services.

General retention guidelines:

• Client communication records are kept for seven years after the last interaction
• Financial transaction records are maintained according to Canada Revenue Agency requirements
• Website usage data and cookies are typically deleted within 24 months
• Marketing consent records are kept until withdrawal of consent plus one year
• Legal documents and contracts are retained for the duration specified by applicable laws
• Account closure triggers a systematic review and deletion of non-essential personal information

7 Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance user experience, analyze website performance, and provide relevant content. You can control cookie settings through your browser, though some features may not function properly with cookies disabled.

We use several types of cookies:

• Essential cookies required for basic website functionality and security
• Performance cookies that help us understand how visitors interact with our site
• Functional cookies that remember your preferences and improve user experience
• Analytics cookies that provide insights into website usage patterns and popular content

8 International Data Transfers

While we primarily store and process data within Canada, some service providers may be located outside Canada. When international transfers occur, we ensure appropriate safeguards are in place to protect your information according to Canadian privacy standards.

Any international transfers are governed by:

• Contractual agreements requiring equivalent privacy protection standards
• Due diligence assessments of foreign service providers' privacy practices
• Regular monitoring of international data handling and security measures
• Client notification when transfers to countries with different privacy laws occur

9 Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. Material changes will be communicated to clients through email notifications and prominent website notices at least 30 days before taking effect.

We encourage you to review this policy regularly. Continued use of our services after policy updates indicates acceptance of the revised terms. If you disagree with changes, please contact us to discuss your options.

10 Contact Information for Privacy Matters

If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please contact our Privacy Officer using the information below. We're committed to addressing your privacy questions promptly and thoroughly.

For privacy-related inquiries, you can also file complaints with the Privacy Commissioner of Canada or your provincial privacy commissioner if you believe we haven't adequately addressed your concerns.