Privacy Policy

Your privacy matters to us. Here's how we protect and handle your personal information when you use olcinarathiq's financial optimization services.

Last Updated: March 15, 2025

Information We Collect

At olcinarathiq, we collect various types of information to provide you with personalized financial optimization services. This collection happens through different channels and serves specific purposes in delivering our platform's functionality.

Personal Information You Provide

Contact details including name, email address, phone number, and mailing address

Financial information such as income levels, investment goals, and financial objectives

Account credentials and security information for platform access

Communication preferences and marketing consent settings

Professional information including occupation, employer, and experience level

Automatically Collected Information

When you interact with our platform, we automatically gather technical information that helps us understand usage patterns and improve our services. This includes device information, browser type, IP address, and interaction data with our platform features.

We use cookies and similar technologies to enhance your experience and remember your preferences. You can control cookie settings through your browser, though some features may be limited if you disable certain cookies.

Third-Party Information

Sometimes we receive information about you from other sources, such as business partners, public databases, or social media platforms when you choose to connect these services to your olcinarathiq account. We only collect such information where legally permitted and with appropriate consent.

How We Use Your Information

Your information serves multiple purposes within our financial optimization platform. We believe in transparency about how your data contributes to the services you receive and the improvements we make to our platform.

Service Delivery and Personalization

Creating and managing your olcinarathiq account with personalized dashboard features

Providing customized financial optimization recommendations based on your goals

Delivering educational content and learning programs tailored to your experience level

Sending important account updates, security notifications, and service announcements

Processing payments and managing subscription services securely

Platform Improvement and Analytics

We analyze usage patterns and feedback to continuously enhance our platform's effectiveness. This helps us identify which features provide the most value, where users might experience difficulties, and what new functionality would benefit our community most.

Marketing communications are sent only with your explicit consent. You can modify your communication preferences anytime through your account settings or by contacting our support team directly.

Legal and Security Purposes

We may use your information to comply with legal obligations, protect against fraud, enforce our terms of service, and maintain the security and integrity of our platform. This includes monitoring for suspicious activities and implementing appropriate safeguards.

Information Sharing and Disclosure

olcinarathiq maintains strict standards regarding when and how we share your personal information. We never sell your personal data to third parties, and any sharing is done with careful consideration of your privacy rights and expectations.

Service Providers and Business Partners

Payment processors for secure transaction handling and subscription management

Cloud hosting providers for reliable platform infrastructure and data storage

Analytics services to understand platform usage and improve user experience

Customer support tools to provide efficient assistance and resolve issues

Email service providers for delivering newsletters and important notifications

All service providers are contractually bound to protect your information and use it only for the specific services they provide to olcinarathiq. We regularly review these relationships to ensure continued compliance with our privacy standards.

Legal Requirements and Protection

We may disclose your information when required by law, court order, or government request. Additionally, we may share information to protect our rights, property, or safety, or that of our users or the public, including fraud prevention and security investigations.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction. We would notify you of any such change in ownership or control of your personal information through email and prominent notice on our platform.

Data Security and Protection

Protecting your information is fundamental to how we operate. We implement comprehensive security measures designed to safeguard your data against unauthorized access, alteration, disclosure, or destruction.

Technical Safeguards

End-to-end encryption for data transmission and secure storage protocols

Multi-factor authentication options to strengthen account security

Regular security audits and vulnerability assessments by independent experts

Automated monitoring systems for detecting suspicious activities or breaches

Secure backup systems with encryption and access controls

While we implement industry-leading security measures, no system is completely immune to risks. We continuously update our security practices and will notify you promptly if any security incident affects your personal information.

Access Controls and Staff Training

Access to your personal information is restricted to authorized personnel who need it to perform their job functions. All staff members undergo regular privacy and security training, and we maintain strict protocols for data handling and processing.

Your Privacy Rights and Choices

You have significant control over your personal information and how it's used within our platform. We provide various tools and mechanisms to help you exercise these rights effectively and maintain control over your privacy.

Account Management and Data Access

View and download your personal information through your account dashboard

Update or correct inaccurate information directly in your profile settings

Request deletion of your account and associated personal data

Export your data in a portable format for personal use or transfer

Restrict certain types of data processing while maintaining account functionality

Communication Preferences

You can modify your communication preferences at any time through your account settings. This includes opting out of marketing emails, adjusting notification frequencies, and choosing which types of updates you'd like to receive. Essential service communications may still be sent for account security and platform functionality.

Cookie and Tracking Controls

Your browser settings allow you to control cookies and similar tracking technologies. You can choose to accept all cookies, reject certain types, or be notified before cookies are placed. Some platform features may require cookies to function properly, but basic functionality remains available with most cookie settings.

To exercise any of these rights or if you have questions about your privacy options, contact our support team. We typically respond to privacy requests within 30 days and will verify your identity to protect against unauthorized access.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services, comply with legal obligations, resolve disputes, and enforce our agreements. Our retention practices balance your privacy rights with legitimate business needs and regulatory requirements.

Retention Periods

Active account information is retained while your account remains active and for a reasonable period afterward

Financial transaction records are kept for seven years to comply with Canadian financial regulations

Marketing communication data is deleted within two years of account closure or opt-out

Security logs and fraud prevention data may be retained longer for protective purposes

Anonymized usage statistics may be retained indefinitely for research and improvement purposes

Deletion Process

When you request account deletion or when retention periods expire, we begin a systematic removal process. This includes deleting your information from active systems, backup systems, and any third-party services where it was shared. Some information may persist in anonymized form for statistical purposes.

International Data Transfers

olcinarathiq operates primarily within Canada, but some of our service providers and partners may be located in other countries. When your information is transferred internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

Transfer Safeguards

For any international transfers, we implement appropriate safeguards such as standard contractual clauses, adequacy decisions by privacy authorities, or other approved transfer mechanisms. We regularly review these arrangements to ensure continued protection of your information.

If you have concerns about international data transfers or would like more information about the safeguards we use, please contact our privacy team for detailed information about specific transfers relevant to your account.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We believe in transparency about policy changes and will notify you through appropriate channels when significant modifications occur.

Notification Process

Email notifications for material changes that affect how we handle your information

Prominent notices on our platform highlighting important policy updates

Advanced notice period before changes take effect, allowing you to review and respond

Clear summaries of what has changed and how it might affect you

Your Options

When we make material changes to this policy, you'll have the opportunity to review the updated terms before they take effect. If you disagree with the changes, you can close your account before the new policy becomes effective. Continued use of our services after policy changes indicates acceptance of the updated terms.

Privacy Questions and Contact Information

If you have questions, concerns, or requests regarding this privacy policy or how we handle your personal information, we're here to help. Our privacy team is committed to addressing your inquiries promptly and thoroughly.

olcinarathiq Privacy Office
559 Rue Juge Dubeau
Joliette, Quebec J6E 6X8
Canada

Phone: +1 (204) 645-2434

info@olcinarathiq.org

This Privacy Policy is effective as of March 15, 2025