Privacy Policy
Miclil ConsultantsMiclil Consultants ("we," "our," or "us") values your privacy and is committed to safeguarding your personal information. This Privacy Policy explains how we collect, use, disclose, and protect your data in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
1. Information We Collect
We may collect the following categories of personal information:
Identification Information: Name, date of birth, government-issued ID numbers (e.g., Social Insurance Number, passport).
Contact Information: Address, phone number, and email.
Financial Data: Income, banking details, investment information, credit history, and other financial records.
Transactional Data: Records of consultations, agreements, and payments.
Communication Data: Emails, phone call recordings, or other interactions with our team.
Technical Information: IP addresses, browser type, and usage data collected through our website or communication platforms.
2. How We Use Your Information
We use your personal information to:
Provide personalized financial consulting services tailored to your needs.
Develop financial plans, strategies, and recommendations.
Process payments and maintain accurate financial records.
Communicate regarding appointments, updates, and important notices.
Ensure compliance with legal, regulatory, and contractual obligations.
Analyze client needs to improve our services.
Protect against fraud, unauthorized transactions, and security breaches.
3. Legal Basis for Processing Information
We process personal information based on the following legal grounds:
Your explicit consent when you provide information.
Performance of a contract to deliver financial consulting services.
Compliance with legal or regulatory requirements.
Our legitimate interests, such as enhancing service quality and ensuring security.
4. Disclosure of Information
We do not sell or rent your personal information. However, your data may be disclosed in the following scenarios:
Service Providers: To trusted third parties providing IT support, payment processing, or other necessary services.
Legal and Regulatory Authorities: When required to comply with laws or respond to lawful requests.
Business Transactions: In case of mergers, acquisitions, or other significant business changes.
5. Data Storage and Retention
We store your personal information securely on encrypted systems. Retention periods depend on:
The purpose for which the data was collected.
Legal or regulatory retention requirements.
When your data is no longer needed, we securely delete or anonymize it.
6. Security Measures
We implement robust security measures to protect your personal information, including:
Encryption during data transmission and storage.
Restricted access to sensitive data.
Regular monitoring and vulnerability assessments.
Employee training on privacy and security best practices.
7. Your Rights
As a client, you have the following rights:
Access: Request a copy of the personal data we hold about you.
Correction: Update or correct inaccuracies in your information.
Erasure: Request deletion of your data, subject to legal restrictions.
Objection: Object to data processing in certain situations.
Data Portability: Receive your data in a portable format.
To exercise these rights, contact us using the details provided at the end of this policy.
8. Cookies and Website Tracking
When you visit our website, we may collect information using cookies and similar technologies to:
Analyze website usage patterns.
Enhance user experience.
Deliver targeted advertisements.
You can manage cookie preferences through your browser settings.
9. Cross-Border Data Transfers
If your information is transferred outside of Canada, we ensure that it is handled in compliance with Canadian privacy standards.
10. Changes to This Policy
We reserve the right to update this Privacy Policy at any time. Changes will be posted on our website, and significant updates will be communicated directly.
Contact Information
For any questions, concerns, or requests regarding this Privacy Policy, please contact us:
Miclil Consultants96 Markwood Lane, Thornhill, ON L4J 7K7Phone: +1 (905) 763-9578Email: [email protected]