Privacy Policy
Your privacy matters to us. This policy explains how xilovarenthus collects, uses, and protects your personal information when you use our financial planning services.
Last Updated: March 15, 2025
Information We Collect
xilovarenthus collects various types of information to provide you with comprehensive financial planning services. We're transparent about what we gather and why it's necessary for your financial success.
Personal Information
- Full name and contact details including email addresses and phone numbers
- Financial information such as income, expenses, and investment goals
- Employment details and professional background
- Age and family status for retirement and estate planning purposes
- Risk tolerance and investment preferences
Technical Information
When you visit our website or use our platform, we automatically collect certain technical data to improve your experience and ensure security.
- IP address and geographical location
- Browser type and operating system information
- Pages visited and time spent on our platform
- Device information and screen resolution
How We Use Your Information
Your information helps us deliver personalized financial planning services that align with your specific goals and circumstances. We use this data responsibly and only for legitimate business purposes.
Primary Uses: Creating customized financial plans, providing investment recommendations, monitoring your progress toward financial goals, and communicating important updates about your accounts and services.
- Developing personalized financial strategies based on your unique situation
- Providing ongoing portfolio management and investment advice
- Sending educational content and market updates relevant to your interests
- Improving our services through analysis of user behavior and preferences
- Ensuring compliance with Canadian financial regulations and reporting requirements
- Protecting against fraud and maintaining platform security
Data Sharing and Third Parties
We share your information only when necessary to provide our services or when required by law. Your privacy remains our top priority in all business relationships.
| Third Party Type | Information Shared | Purpose |
|---|---|---|
| Financial Institution Partners | Account details, investment preferences | Execute trades and manage accounts |
| Regulatory Bodies | Required compliance information | Meet legal obligations |
| Technology Service Providers | Technical data, encrypted financial data | Platform maintenance and security |
| Professional Advisors | Case-specific financial information | Provide specialized expertise |
We never sell your personal information to marketers or use it for purposes unrelated to financial planning services. All third-party relationships include strict confidentiality agreements.
Your Rights and Choices
Under Canadian privacy legislation, you have significant control over your personal information. We respect these rights and provide clear processes for exercising them.
Access and Correction Rights
You can request copies of all personal information we hold about you. If any information is incorrect or outdated, we'll update it promptly upon your request. Most account information can be viewed and edited directly through your online dashboard.
Deletion and Portability
You may request deletion of your personal information, subject to legal and regulatory retention requirements for financial records. We can also provide your data in a portable format if you wish to transfer it to another service provider.
Important Note: Some financial records must be retained for seven years under Canadian tax and securities regulations, even after account closure.
Data Security Measures
We implement comprehensive security measures to protect your sensitive financial information from unauthorized access, alteration, or disclosure.
- End-to-end encryption for all data transmission and storage
- Multi-factor authentication requirements for account access
- Regular security audits and penetration testing
- Employee background checks and ongoing security training
- Secure data centers with physical access controls
- Automated monitoring systems for suspicious activity
Despite our best efforts, no system is completely secure. We maintain incident response procedures and will notify you promptly of any security breach that might affect your personal information.
Data Retention and Deletion
We retain your information only as long as necessary to provide services and meet legal obligations. Different types of information have different retention periods based on regulatory requirements and business needs.
Retention Periods
- Active account information: Retained while account is active plus seven years
- Transaction records: Seven years from date of transaction
- Communication records: Three years from last interaction
- Marketing preferences: Until you withdraw consent
- Technical logs: 18 months for security and troubleshooting purposes
After retention periods expire, we securely delete information using industry-standard data destruction methods. Some aggregated, anonymized data may be retained indefinitely for research and service improvement purposes.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your browsing experience and provide personalized content. You can control cookie settings through your browser preferences.
Types of Cookies Used
- Essential cookies: Required for basic site functionality and security
- Performance cookies: Help us understand how visitors use our site
- Functional cookies: Remember your preferences and settings
- Marketing cookies: Used to deliver relevant content and track campaign effectiveness
You can disable non-essential cookies at any time through our cookie management center or your browser settings. However, this may affect some site functionality and your user experience.
International Data Transfers
While we primarily store data within Canada, some information may be processed by service providers in other countries with adequate privacy protections. We ensure all international transfers comply with Canadian privacy laws.
Any international data transfers are governed by contractual safeguards equivalent to Canadian privacy standards, ensuring your information receives the same level of protection regardless of location.
Changes to This Policy
We review and update this privacy policy annually or when significant changes occur in our data practices. Material changes will be communicated through email and prominent website notices at least 30 days before taking effect.
We encourage you to review this policy periodically to stay informed about how we protect your privacy. The "Last Updated" date at the top of this page indicates when the most recent changes were made.
Questions About Your Privacy
Our privacy team is available to address any questions or concerns about how we handle your personal information.
Address: 8080 Bd Taschereau, Brossard, Quebec J4X 1C2, Canada
Phone: +14039662693
Email: info@xilovarenthus.world
We typically respond to privacy inquiries within 48 hours and will work diligently to resolve any concerns you may have about your personal information.