Privacy Policy

Personal Information You Provide

When you engage with our financial planning services, we collect information that you voluntarily provide to us. This includes:

• Contact details such as your name, email address, phone number, and mailing address
• Financial information including income, expenses, assets, debts, and investment preferences
• Employment information and career details relevant to your financial planning
• Family information that impacts your financial goals and planning needs
• Risk tolerance and investment objectives
• Documentation you submit for account verification and financial planning purposes

Automatically Collected Information

Our website collects certain information automatically when you visit:

• Browser type and version
• Operating system and device information
• IP address and general location data
• Pages visited and time spent on our site
• Referring website information
• Cookies and similar tracking technologies

Primary Service Purposes

Your information helps us provide comprehensive financial planning services:

• Creating personalized financial plans tailored to your specific situation and goals
• Providing ongoing financial advice and portfolio management
• Conducting financial analysis and risk assessments
• Preparing financial reports and statements
• Facilitating investment transactions and account management
• Offering educational resources relevant to your financial interests

Communication and Support

We use your contact information to:

• Respond to your inquiries and provide customer support
• Send important updates about your accounts and services
• Share relevant financial market insights and educational content
• Schedule and confirm appointments for financial planning consultations
• Send periodic newsletters with financial planning tips and company updates

Legal and Compliance Requirements

We may use your information to:

• Comply with Canadian financial regulations and reporting requirements
• Verify your identity and prevent fraud
• Maintain accurate records as required by law
• Respond to legal proceedings and regulatory inquiries
• Conduct internal audits and risk management assessments

Service Providers and Partners

We may share your information with trusted third parties who help us deliver our services:

• Financial institutions and investment platforms for executing transactions
• Technology providers who maintain our secure systems and databases
• Professional service providers including accountants and legal advisors
• Compliance and audit firms for regulatory requirements
• Insurance companies when relevant to your financial planning needs

All third parties are contractually obligated to maintain the confidentiality of your information and use it only for the specific purposes we've authorized.

Legal Requirements

We may disclose your information when required by law or to:

• Comply with court orders, subpoenas, or legal proceedings
• Respond to requests from regulatory authorities
• Protect our rights, property, or safety
• Investigate suspected fraud or illegal activities
• Enforce our terms of service and client agreements

Technical Safeguards

We implement comprehensive security measures to protect your information:

• 256-bit SSL encryption for all data transmission
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Firewall protection and intrusion detection systems
• Secure data centers with 24/7 monitoring
• Regular software updates and security patches

Administrative Safeguards

Our team follows strict protocols to protect your information:

• Access to client information is limited to authorized personnel only
• Regular privacy and security training for all staff members
• Background checks for employees handling sensitive information
• Clear policies governing information handling and access
• Regular review and updating of security procedures

Physical Safeguards

We maintain physical security measures including:

• Secure office facilities with controlled access
• Locked filing cabinets for physical documents
• Secure disposal of sensitive documents
• Clean desk policies to prevent unauthorized access
• Video surveillance and alarm systems

Access and Correction

You have the right to:

• Request access to the personal information we hold about you
• Ask for corrections to inaccurate or incomplete information
• Receive a copy of your personal information in a portable format
• Request information about how we use and share your data

To exercise these rights, contact us using the information provided at the end of this policy. We'll respond to your request within 30 days.

Communication Preferences

You can control how we communicate with you:

• Opt out of marketing emails by clicking the unsubscribe link
• Request to receive communications by specific methods (email, phone, mail)
• Choose the frequency of non-essential communications
• Update your contact preferences at any time

Data Retention and Deletion

We retain your information for as long as necessary to provide our services and meet legal requirements. You may request deletion of your personal information, subject to:

• Legal and regulatory retention requirements
• Ongoing business relationships and service provision
• Legitimate business interests such as fraud prevention
• Contractual obligations and dispute resolution

We maintain different retention periods for different types of information:

Types of Cookies We Use

Our website uses several types of cookies to enhance your experience:

• Essential Cookies: Necessary for basic website functionality and security
• Performance Cookies: Help us understand how visitors interact with our site
• Functional Cookies: Remember your preferences and personalize your experience
• Targeting Cookies: Used to deliver relevant content and advertisements

Managing Cookie Preferences

You can control cookies through your browser settings:

• Block all cookies (may affect website functionality)
• Delete existing cookies from your device
• Set preferences for specific types of cookies
• Receive notifications when cookies are set

Note that blocking certain cookies may limit your ability to use some features of our website.

While symphoniventarae primarily operates within Canada, some of our service providers may process information outside of Canada. When this occurs:

• We ensure appropriate safeguards are in place to protect your information
• We use standard contractual clauses approved by Canadian authorities
• We verify that international partners meet Canadian privacy standards
• We limit data transfers to what's necessary for service provision
• We maintain oversight of how your information is handled internationally

We may update this privacy policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make significant changes:

• We'll notify you by email if you're an existing client
• We'll post a prominent notice on our website
• We'll provide a summary of key changes
• We'll give you time to review the updated policy before it takes effect
• We'll maintain previous versions for your reference

Minor updates that don't affect your rights may be made without advance notice, but we'll always update the effective date at the bottom of this policy.