Privacy Policy

Introduction and Scope

At marenqivosta, we understand that your privacy matters deeply to you. This comprehensive privacy policy explains how we collect, use, protect, and manage your personal information when you visit our website, use our budget contingency planning services, or interact with our team. We're committed to maintaining the trust you place in us by being transparent about our data practices and ensuring your information remains secure.

This policy applies to all personal information we collect through our website at marenqivosta.com, email communications, phone consultations, and any other interactions you have with marenqivosta Financial Services. By using our services, you acknowledge that you understand and agree to the practices described in this policy.

Information We Collect

Personal Information You Provide

When you engage with our services, we may collect various types of personal information that you voluntarily provide to us:

• Contact information including your name, email address, phone number, and mailing address
• Financial information necessary for budget planning, including income details, expense categories, and financial goals
• Professional information such as employment status, industry, and career objectives
• Communication preferences and feedback you provide through our contact forms or surveys
• Payment information when you engage our premium services, though we use secure third-party processors

Automatically Collected Information

Our website automatically collects certain technical information to improve your experience and ensure our services function properly. This includes your IP address, browser type and version, operating system, pages you visit on our site, time spent on pages, and referring websites. We also collect information about your device type and screen resolution to optimize our website's display.

How We Use Your Information

We use the information we collect for several important purposes that directly benefit your experience with our services:

• Service Delivery: Creating personalized budget contingency plans, providing financial guidance, and delivering the specific services you request
• Communication: Responding to your inquiries, sending appointment confirmations, sharing relevant financial insights, and providing customer support
• Improvement: Analyzing website usage patterns to enhance user experience, developing new features, and refining our service offerings
• Legal Compliance: Meeting regulatory requirements, maintaining accurate records, and protecting both your interests and ours
• Security: Preventing fraud, unauthorized access, and ensuring the integrity of our systems and your data

Information Sharing and Disclosure

We maintain strict controls over who has access to your personal information. We do not sell, rent, or trade your personal data to third parties for their marketing purposes. However, there are specific circumstances where we may need to share your information:

Service Providers and Partners

We work with carefully selected third-party service providers who help us deliver our services effectively. These may include payment processors, cloud storage providers, email service platforms, and analytics tools. All service providers are bound by strict confidentiality agreements and are only permitted to use your information for the specific services they provide to us.

Legal Requirements

We may disclose your information when required by Canadian law, court order, or government regulation. This includes situations where disclosure is necessary to protect our rights, your safety, or the safety of others. We will always review such requests carefully and only provide the minimum information necessary to comply with legal requirements.

Data Protection and Security

Protecting your personal information is one of our highest priorities. We implement comprehensive security measures designed to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

Our technical security measures include encrypted data transmission using SSL certificates, secure server hosting with regular security updates, access controls that limit who can view your information, and regular backups stored in secure, encrypted environments. We also conduct periodic security assessments to identify and address potential vulnerabilities.

Administrative Safeguards

Our team members receive regular training on privacy and security best practices. We maintain strict access controls, ensuring that only authorized personnel who need access to perform their job functions can view your personal information. All team members sign confidentiality agreements as part of their employment.

Your Privacy Rights Under Canadian Law

Under Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), you have several important rights regarding your personal information:

• Right to Access: You can request to know what personal information we have about you and how we use it
• Right to Correction: You can ask us to correct or update inaccurate personal information
• Right to Withdraw Consent: You can withdraw your consent for certain uses of your information, subject to legal or contractual restrictions
• Right to Complaint: You can file a complaint with the Privacy Commissioner of Canada if you believe we've mishandled your personal information

To exercise any of these rights, please contact our privacy officer using the information provided at the end of this policy. We will respond to your request within 30 days and may ask for additional information to verify your identity before processing your request.

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 requirements, and resolve any potential disputes. For most client information, this means we keep your data for seven years after your last interaction with our services, which aligns with Canadian financial record-keeping requirements.

Deletion Procedures

When personal information is no longer needed, we securely delete or anonymize it using industry-standard methods. This includes purging data from our servers, destroying physical records, and ensuring that backup copies are also removed according to our retention schedule. You may request earlier deletion of your information, and we'll accommodate this request where legally permissible.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience and help us understand how our site is being used. Cookies are small text files stored on your device that remember your preferences and improve site functionality.

Types of Cookies We Use

• Essential Cookies: Required for basic website functionality and cannot be disabled
• Analytics Cookies: Help us understand website traffic patterns and user behavior
• Preference Cookies: Remember your settings and preferences for future visits

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect the functionality of our website and limit your ability to use some features.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we will notify you by email if we have your contact information, or by posting a prominent notice on our website.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. The "Last updated" date at the top of this policy indicates when the most recent changes were made.