Privacy Policy

Our Privacy Commitment

Information We Collect

We collect various types of information to provide and improve our services. The information we gather falls into two main categories: information you provide directly and information collected automatically during your interaction with our services.

How We Use Information

We use the information we collect for various purposes related to providing, maintaining, and improving our consultation services and website functionality:

• • To provide personalized financial planning consultations based on your specific situation, goals, and the information you share with us.
• • To communicate with you about appointments, respond to inquiries, send confirmations, and provide updates relevant to your consultation relationship.
• • To improve our website, services, consultation approaches, and overall user experience based on usage patterns and feedback.
• • To analyze trends, monitor website performance, troubleshoot technical issues, and ensure our platform functions properly and securely.
• • To comply with legal obligations, enforce our terms and policies, protect our rights and property, and ensure the safety of our services.
• • To send you relevant information about our services, educational content, or updates, always with the option to unsubscribe from non-essential communications.
• • To maintain records of our interactions and consultations for quality assurance, training purposes, and to provide continuity in your consultation experience.

Information Sharing Practices

We may share your information with specific third parties under certain circumstances, but only as necessary to provide our services, comply with legal requirements, or with your explicit consent. We never sell your personal data for marketing purposes.

Your Privacy Rights

Under Canadian privacy legislation, including applicable provincial laws, you have several rights regarding your personal information. We respect these rights and provide mechanisms for you to exercise them:

• • Right to access your personal information we hold and receive copies of that data in a commonly used format.
• • Right to request correction of inaccurate or incomplete personal information we maintain about you.
• • Right to request deletion of your personal information, subject to certain legal exceptions where we must retain data.
• • Right to receive your personal data in a structured, commonly used format and transmit it to another service provider where technically feasible.
• • Right to object to certain uses of your personal information, particularly for marketing purposes or when based on legitimate interests.
• • Right to request restriction of processing your personal information under certain circumstances while we verify or investigate your concerns.

Data Security Measures

We implement comprehensive security measures designed to protect your personal information from unauthorized access, disclosure, alteration, or destruction. While no method of transmission or storage is completely secure, we employ industry-standard practices to safeguard your data.

Information Retention Periods

We retain your personal information only as long as necessary to fulfill the purposes outlined in this privacy policy, comply with legal obligations, resolve disputes, and enforce our agreements. Specific retention periods vary based on data type:

• • Active consultation records are maintained for the duration of our relationship plus seven years as required by financial record-keeping regulations.
• • Website usage data and analytics are typically retained for two years to identify trends and improve user experience.
• • Email correspondence and communication records are retained for five years for quality assurance and reference purposes.
• • Financial information shared during consultations is retained according to applicable regulatory requirements, typically seven years.
• • Marketing and communication preferences are maintained until you withdraw consent or request deletion of your information.

When information is no longer needed, we securely delete or anonymize it according to our data disposal policies and procedures.

International Data Transfers

While eklororina operates primarily in Canada, some of our service providers may be located in other countries. When we transfer your information internationally, we ensure appropriate safeguards are in place:

• • We use service providers in jurisdictions with adequate data protection laws comparable to Canadian standards.
• • We implement contractual protections requiring service providers to maintain security and privacy standards equivalent to Canadian requirements.
• • We minimize international data transfers and only share information necessary for specific service provider functions.
• • We conduct due diligence on service providers to ensure they can protect your information according to our standards.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance functionality, analyze usage, and improve your experience. For detailed information about our cookie practices, please refer to our separate Cookie Policy.

You can control cookie usage through your browser settings, though disabling certain cookies may limit website functionality. Please see our Cookie Policy for detailed management instructions.

Updates to Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, services, legal requirements, or for other operational reasons. When we make significant changes, we will notify you through:

• • Prominent notice on our website indicating the policy has been updated and highlighting key changes.
• • Email notification to active clients and registered users informing them of material changes to privacy practices.
• • Updated effective date at the top of the policy showing when the most recent version became active.
• • Opportunity to review changes before they take effect for material modifications that significantly affect your rights.

We encourage you to review this privacy policy periodically to stay informed about how we protect your information. Your continued use of our services after changes become effective constitutes acceptance of the updated policy.