Privacy Policy

Information We Collect

When you visit our website or use our services, we collect various types of information to provide you with the best possible experience. This includes information you voluntarily provide and data automatically collected through your interactions with our platform.

Personal Information You Provide

• Contact details including name, email address, phone number, and mailing address when you register for our services
• Financial information such as income ranges, expense categories, and budget goals to personalize our recommendations
• Profile information including preferences, interests in specific budget strategies, and communication preferences
• Payment information when you subscribe to premium services, though we never store complete credit card numbers
• Correspondence and feedback when you contact our support team or participate in surveys

Automatically Collected Information

• Device information including IP address, browser type, operating system, and device identifiers
• Usage data such as pages visited, time spent on our platform, and features accessed
• Location data based on IP address to provide region-appropriate financial advice and comply with local regulations
• Cookie data and similar technologies to enhance your browsing experience and remember your preferences

How We Use Your Information

We process your personal information for specific purposes that align with providing quality financial education and budget management services. Our use of your data is always purposeful and respectful of your privacy rights.

• Providing personalized budget strategies and financial recommendations based on your goals and circumstances
• Communicating about your account, including service updates, educational content, and responses to your inquiries
• Processing payments and managing your subscription to our premium services
• Analyzing usage patterns to improve our platform functionality and develop new features
• Ensuring platform security and preventing fraudulent activities or unauthorized access
• Complying with legal obligations under Canadian privacy laws and financial regulations
• Conducting research to enhance our understanding of effective budget management techniques

Information Sharing and Disclosure

lynovaresthiq maintains strict controls over who can access your personal information. We limit sharing to essential service providers and specific legal circumstances, always ensuring appropriate protection measures are in place.

Service Providers

We work with carefully selected third-party companies that help us operate our platform. These include payment processors, email service providers, and cloud hosting services. All service providers must sign agreements protecting your information and can only use it for specified purposes.

Legal Requirements

We may disclose your information when required by Canadian law, court orders, or government regulations. This includes compliance with tax reporting requirements, anti-money laundering regulations, or responding to valid legal requests from authorities.

Business Transfers

If lynovaresthiq undergoes a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We would notify you of such changes and ensure the new organization maintains equivalent privacy protections.

Your Privacy Rights

Under Canadian privacy legislation, including PIPEDA and applicable provincial laws, you have several important rights regarding your personal information. We're committed to honoring these rights and making them easy to exercise.

• Access your personal information and receive a copy of the data we hold about you
• Request corrections to inaccurate or incomplete information in your profile
• Withdraw consent for certain processing activities, though this may limit some platform features
• Request deletion of your account and associated personal information, subject to legal retention requirements
• Receive your data in a portable format if you wish to transfer it to another service
• Object to certain types of processing or request limitations on how we use your information
• Lodge complaints with privacy authorities if you believe your rights have been violated

Data Security and Protection

Protecting your personal and financial information is fundamental to our operations. We implement comprehensive security measures that meet or exceed industry standards for financial services platforms.

Technical Safeguards

• SSL/TLS encryption for all data transmission between your device and our servers
• Advanced encryption for stored data, with regular security audits and penetration testing
• Multi-factor authentication options for enhanced account security
• Regular software updates and security patches to protect against emerging threats
• Firewalls and intrusion detection systems monitoring for suspicious activities

Administrative Safeguards

• Background checks for all employees with access to personal information
• Regular privacy and security training for our team members
• Strict access controls ensuring employees only access information necessary for their roles
• Incident response procedures for quickly addressing any security concerns

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on their purpose and regulatory requirements.

• Account information is retained while your account remains active and for seven years after closure for tax and regulatory compliance
• Financial data used for budget recommendations is kept for three years to maintain service continuity
• Communication records are retained for two years to resolve potential disputes and improve customer service
• Usage analytics are anonymized after one year and may be retained longer for platform improvement
• Payment information is deleted immediately after transaction completion, except for records required for accounting purposes

When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. You can request earlier deletion of certain information types, though we may need to retain some data to comply with legal obligations.

International Data Transfers

lynovaresthiq primarily operates within Canada, but some of our service providers may process information in other countries. When international transfers occur, we ensure appropriate safeguards protect your information according to Canadian privacy standards.

We only transfer data to countries with adequate privacy protections or implement additional contractual safeguards. You have the right to request information about specific international transfers and the protections in place.

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience and understand how you interact with our platform. We're transparent about these technologies and give you control over their use.

Types of Cookies We Use

• Essential cookies necessary for basic platform functionality and security
• Performance cookies that help us analyze website usage and identify improvements
• Functionality cookies that remember your preferences and settings
• Marketing cookies used to deliver relevant educational content and measure campaign effectiveness

You can control cookie settings through your browser preferences. However, disabling certain cookies may limit some platform features. We respect Do Not Track signals and provide clear options for managing your privacy preferences.

Children's Privacy

lynovaresthiq's services are designed for adults managing their personal finances. We do not knowingly collect information from individuals under 18 years of age. If we discover we have inadvertently collected such information, we will promptly delete it from our systems.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately. We encourage families to discuss online privacy and help young people understand the importance of protecting personal information.

Changes to This Privacy Policy

We regularly review and update this privacy policy to reflect changes in our services, technology, or applicable laws. When we make significant changes, we'll notify you through email or prominent website notices at least 30 days before the changes take effect.

Minor updates that don't affect your rights may be implemented immediately with updated posting dates. We encourage you to review this policy periodically to stay informed about how we protect your privacy.

This privacy policy was last updated on January 15, 2025, and is effective immediately for all users of the lynovaresthiq platform.