zorivaneqa Financial Services ("zorivaneqa," "we," "us," or "our") is committed to protecting your privacy and maintaining the confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website zorivaneqa.com, use our financial stability analysis services, or interact with us in any capacity.

This policy applies to all users of our services, including visitors to our website, registered users, and clients who engage with our financial analysis platform. We operate in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

We collect various types of information to provide and improve our financial stability analysis services. The information we collect falls into several categories:

We use the information we collect for legitimate business purposes that directly relate to providing our financial stability analysis services. Our primary uses include conducting comprehensive financial assessments, generating personalized stability reports, and providing ongoing monitoring of your financial health indicators.

Additionally, we use your information to communicate with you about our services, send important updates regarding your financial analysis, and provide customer support. We may also use aggregated, non-personal data for research purposes to improve our analysis algorithms and develop new features that benefit our user community.

For marketing purposes, we may send you information about new services or features that align with your financial profile, but only with your explicit consent. You can opt out of marketing communications at any time through your account settings or by contacting us directly.

zorivaneqa does not sell, trade, or rent your personal information to third parties. We only share your information in specific circumstances that are necessary for providing our services or as required by law.

We may share information with trusted service providers who assist us in operating our platform, such as cloud computing services, payment processors, and data security firms. These third parties are contractually obligated to maintain the confidentiality of your information and can only use it for the specific purposes we authorize.

In cases where we're legally required to disclose information, such as in response to court orders, government investigations, or regulatory compliance requirements, we will provide only the minimum information necessary to satisfy the legal obligation. We will attempt to notify you of such requests unless prohibited by law.

If zorivaneqa undergoes a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. In such cases, we will provide notice and ensure that the receiving organization maintains equivalent privacy protections.

Under Canadian privacy law, you have several important rights regarding your personal information. We are committed to honoring these rights and providing you with meaningful control over your data.

To exercise any of these rights, please contact our Privacy Officer using the information provided below. We will respond to your request within 30 days and may require verification of your identity to protect your information from unauthorized access.

We implement comprehensive security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes both technical and organizational safeguards designed to maintain the highest levels of data protection.

Technical measures include industry-standard encryption for data transmission and storage, secure server infrastructure with regular security updates, multi-factor authentication systems, and continuous monitoring for suspicious activities. We use bank-level security protocols and maintain compliance with Canadian financial services security standards.

Organizational measures include strict access controls limiting employee access to personal information on a need-to-know basis, regular security training for all staff members, comprehensive background checks for employees handling sensitive data, and regular security audits conducted by independent third parties.

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our retention periods vary depending on the type of information and the purpose for which it was collected.

Financial analysis data is typically retained for seven years following the completion of services, in accordance with Canadian financial record-keeping requirements. Account information and communication records are maintained for the duration of your relationship with us plus an additional three years for customer service and legal compliance purposes.

Technical data such as website logs and cookies are generally retained for shorter periods, typically 12-24 months, unless longer retention is required for security or fraud prevention purposes. Marketing consent records are maintained until you withdraw consent, plus an additional period to demonstrate compliance with privacy requirements.

When information reaches the end of its retention period, we securely delete or anonymize it using industry-standard data destruction methods. You may also request earlier deletion of your information, subject to our legal and contractual obligations.

Our website uses cookies and similar tracking technologies to enhance your user experience, analyze website performance, and provide personalized content. Cookies are small text files stored on your device that help us remember your preferences and improve our services.

We use several types of cookies: essential cookies that are necessary for basic website functionality, performance cookies that help us understand how visitors use our site, functional cookies that remember your preferences and settings, and marketing cookies that help us deliver relevant advertisements and measure campaign effectiveness.

You can control cookie settings through your browser preferences, including the option to block or delete cookies. However, disabling certain cookies may impact your ability to use some features of our website. We provide detailed information about our cookie usage and allow you to customize your preferences through our cookie management tool.

While zorivaneqa primarily operates within Canada, some of our service providers may be located in other countries, including the United States. When we transfer personal information outside of Canada, we ensure that appropriate safeguards are in place to protect your information.

We only work with service providers that demonstrate adequate privacy protections and enter into contractual agreements that require them to maintain Canadian-equivalent privacy standards. For transfers to countries without adequate privacy laws, we implement additional safeguards such as standard contractual clauses and regular audits.

We will inform you if your personal information will be processed outside of Canada and provide details about the safeguards we've implemented to protect your information during international transfers.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we will provide notice through our website, email notifications, or other appropriate channels.

Minor updates that don't materially affect your privacy rights may be implemented without prior notice, but we will update the effective date at the top of this policy. We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.

If changes significantly impact how we handle your personal information, we may seek your renewed consent where required by applicable privacy laws.