Privacy Policy
Last Updated: January 15, 2025
nuviraqenoth is committed to protecting your personal information and being transparent about how we collect, use, and share your data. This policy explains our practices regarding your privacy when you use our financial services platform.
Information We Collect
We collect information to provide better services to all our users. The types of information we gather depend on how you interact with our platform and the services you use.
Personal Information
Name, email address, phone number, mailing address, date of birth, and government-issued identification numbers when required for financial services.
Financial Information
Bank account details, credit history, income information, investment preferences, and transaction history necessary for budget review services.
Technical Information
IP address, browser type, device information, operating system, and usage data collected through cookies and similar technologies.
Communication Data
Records of your communications with us, including emails, chat messages, support tickets, and feedback you provide.
How We Use Your Information
We use the information we collect for legitimate business purposes that align with providing you financial services and improving your experience with our platform.
Service Delivery
- Process your budget review requests and provide personalized financial analysis
- Verify your identity and prevent fraudulent activities
- Maintain and improve our platform's functionality and security
- Communicate with you about your account and our services
Legal and Regulatory Compliance
As a financial services provider operating in Canada, we're required to collect and process certain information to comply with federal and provincial regulations, including anti-money laundering laws, tax reporting requirements, and consumer protection legislation.
Information Sharing and Disclosure
We don't sell your personal information to third parties. However, we may share your information in specific circumstances outlined below.
- With service providers who assist us in delivering our services, such as cloud storage providers, payment processors, and customer support platforms
- When required by law, court order, or government regulation
- To protect our rights, property, or safety, or that of our users or the public
- In connection with a merger, acquisition, or sale of assets, with appropriate notice
- With your explicit consent for specific purposes not covered in this policy
Data Security
We implement comprehensive security measures to protect your information from unauthorized access, alteration, disclosure, or destruction. Our security practices include:
Technical Safeguards
We use industry-standard encryption for data transmission and storage, multi-factor authentication systems, regular security audits, and secure data centers with physical access controls. Our systems are monitored 24/7 for suspicious activity.
Administrative Controls
Access to personal information is restricted to authorized personnel who need it for legitimate business purposes. We provide regular privacy and security training to our employees and require them to sign confidentiality agreements.
Your Privacy Rights
Under Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), you have several rights regarding your personal information.
Access
You can request access to the personal information we hold about you, including how it's being used and who it's been shared with.
Correction
If you believe any information we have about you is inaccurate or incomplete, you can request that we correct or update it.
Withdrawal of Consent
Where we rely on your consent to process information, you can withdraw that consent at any time, subject to legal or contractual restrictions.
Complaint
You have the right to file a complaint with the Privacy Commissioner of Canada if you believe we've mishandled your personal information.
Data Retention
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.
Retention Periods
Financial Records
Transaction history, budget analyses, and related financial documents are retained for seven years as required by Canadian tax and financial regulations.
Communication Records
Customer service interactions, emails, and support tickets are kept for three years to maintain service quality and resolve any disputes.
Technical Data
Website usage data, login records, and technical logs are retained for one year for security monitoring and system optimization.
Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience and gather information about how you use our services.
Essential Cookies
These cookies are necessary for our website to function properly. They enable basic features like page navigation, secure access to your account, and remembering your login status.
Analytics Cookies
We use analytics cookies to understand how visitors interact with our website. This helps us improve our services and user experience. These cookies collect information anonymously and generate reports about website activity.
You can control cookie settings through your browser preferences. However, disabling certain cookies may limit your ability to use some features of our website.
Third-Party Services
We work with trusted third-party service providers to deliver our services effectively. These partnerships are governed by strict contractual agreements that require these providers to protect your information according to our standards.
- Cloud infrastructure providers for secure data storage and processing
- Payment processors for handling financial transactions
- Customer support platforms for managing inquiries and communications
- Security services for fraud prevention and identity verification
- Analytics providers for website performance monitoring
These third parties are prohibited from using your information for their own marketing purposes or any purpose other than providing services to us.
International Data Transfers
While we primarily store and process your data within Canada, some of our service providers may be located in other countries, including the United States. When we transfer your information internationally, we ensure adequate protection through:
- Contractual agreements that require equivalent privacy protection
- Certification under recognized privacy frameworks
- Compliance with applicable data transfer regulations
Changes to This Policy
We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you through:
- Email notification to your registered email address
- Prominent notice on our website
- In-app notifications when you next access our services
We encourage you to review this policy periodically to stay informed about how we protect your information. Your continued use of our services after changes are made constitutes acceptance of the updated policy.
Contact Us About Privacy
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please contact us using the information below.
info@nuviraqenoth.com +1 (866) 222-2067 16695 92a AveSurrey, BC V4N 0C7
Canada