Privacy Policy

Information We Collect

When you use our financial services platform, we collect various types of information to provide you with personalized and secure services. This collection happens through different methods and serves specific purposes related to your account management and financial planning needs.

We also automatically collect certain technical information when you visit our website or use our mobile applications. This includes cookies, web beacons, and similar tracking technologies that help us understand how you interact with our services and improve your overall experience.

How We Use Your Information

Your personal information serves multiple purposes within our financial services ecosystem. Account management represents our primary use, allowing us to maintain your profile, process transactions, and provide customer support. We use your data to verify your identity during account setup and ongoing security checks, ensuring compliance with Canadian financial regulations.

Communication purposes include sending account updates, security alerts, regulatory notices, and educational content about financial planning. We may also use your information for marketing purposes, though you maintain full control over these communications and can opt out at any time through your account settings.

Information Sharing and Disclosure

nuvorivalthen operates under strict data sharing principles designed to protect your privacy while enabling essential business operations. We never sell your personal information to third parties for marketing purposes. However, we may share your data in specific, limited circumstances that directly relate to providing you with quality financial services.

Service providers and partners who help us operate our platform may receive access to certain personal information. This includes payment processors, identity verification services, cloud hosting providers, and customer support platforms. All third-party partners must sign comprehensive data protection agreements and can only use your information for the specific services they provide to us.

We may disclose personal information when required by Canadian law, court orders, or regulatory authorities. This includes compliance with anti-money laundering regulations, tax reporting requirements, and investigations by financial oversight bodies. In such cases, we limit disclosure to the minimum information necessary and notify you when legally permitted.

Data Security and Protection

Protecting your financial information requires multiple layers of security measures that we continuously monitor and update. Our platform uses industry-standard encryption protocols for all data transmission and storage, including AES-256 encryption for sensitive financial data and TLS 1.3 for secure communications.

Despite our comprehensive security measures, no system can guarantee absolute protection. We encourage you to use strong, unique passwords, enable two-factor authentication, and monitor your accounts regularly for any unusual activity. If you notice anything suspicious, contact our security team immediately.

Your Privacy Rights and Choices

Under Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), you possess specific rights regarding your personal information. These rights ensure you maintain control over how your data is collected, used, and managed within our financial services platform.

Marketing communication preferences can be managed directly through your account dashboard. You can choose which types of communications you wish to receive, adjust frequency settings, and opt out of non-essential messages. However, we'll continue sending critical account and security notifications regardless of your communication preferences.

Cookie and tracking preferences can be controlled through your browser settings and our cookie management tool. While you can disable certain tracking technologies, please note that this may affect some platform functionality and your overall user experience.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Account information is typically maintained for the duration of your relationship with us plus seven years afterward, in accordance with Canadian financial record-keeping requirements.

Communication records and customer service interactions are retained for three years to help resolve potential disputes and improve service quality. Technical data like IP addresses and usage logs are generally deleted after 24 months unless required for security investigations or legal compliance.

When you close your account, we begin our data deletion process, though some information may be retained longer due to legal requirements. You can request specific deletion timelines for your information by contacting our privacy team. We'll provide detailed information about which data will be deleted and which must be retained for regulatory compliance.

International Data Transfers

While nuvorivalthen primarily operates within Canada, some of our service providers and technology partners may be located in other countries, including the United States and European Union. When we transfer your personal information internationally, we implement appropriate safeguards to protect your privacy and ensure compliance with Canadian privacy laws.

These safeguards include contractual protections that require international partners to maintain privacy standards equivalent to Canadian requirements. We also conduct due diligence on the privacy laws and practices of countries where your data might be processed, ensuring adequate protection levels exist.

You have the right to know which countries your personal information may be transferred to and can request specific details about international data processing activities. Contact our privacy officer if you need more information about international data transfers related to your account.

Changes to This Privacy Policy

As our services evolve and privacy regulations develop, we may update this privacy policy to reflect new practices, legal requirements, or service features. We're committed to transparency about any changes that might affect how we handle your personal information.

Significant policy changes will be communicated through multiple channels, including email notifications, account dashboard alerts, and prominent website notices. We'll provide at least 30 days' notice before implementing changes that materially affect your privacy rights or how we use your personal information.

Minor updates, such as clarifications or administrative changes, may be implemented with shorter notice periods. We recommend reviewing this policy periodically to stay informed about how we protect your privacy and what rights you have regarding your personal information.