Privacy Policy

1. Introduction

Rettetranq ("we," "our," or "us") is committed to protecting the privacy and confidentiality of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website rettetranq.com or use our services.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income details, investment holdings, retirement goals, financial objectives
• Identification Information: Date of birth, Social Insurance Number (when required for services)
• Professional Information: Employment status, employer details, occupation

2.2 Website Usage Information

When you visit our website, we automatically collect:

• IP address and location data
• Browser type and version
• Pages visited and time spent on site
• Referring website information
• Device information

2.3 Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your website experience. For detailed information about our cookie usage, please refer to our Cookie Policy.

3. How We Use Your Information

We use your personal information for the following purposes:

• Service Delivery: Providing financial planning and pension advisory services
• Communication: Responding to inquiries, sending newsletters, and service updates
• Account Management: Managing your client account and maintaining records
• Compliance: Meeting regulatory requirements and legal obligations
• Website Improvement: Analyzing usage patterns to enhance user experience
• Marketing: Sending relevant financial planning information (with consent)

4. Legal Basis for Processing

We process your personal information based on:

• Consent: When you explicitly agree to processing for specific purposes
• Contract Performance: To fulfill our service agreements with you
• Legal Obligations: To comply with regulatory and legal requirements
• Legitimate Interests: For business operations and service improvement

5. Information Sharing and Disclosure

5.1 Third-Party Service Providers

We may share your information with trusted third parties who assist in our operations:

• Financial institutions and investment platforms
• Technology service providers
• Professional service providers (accountants, lawyers)
• Regulatory bodies when required

5.2 Legal Requirements

We may disclose your information when required by law, including:

• Court orders or legal proceedings
• Regulatory investigations
• Government agency requests
• To protect our rights or safety

5.3 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction.

6. Data Security

We implement comprehensive security measures to protect your personal information:

• Encryption: Data transmission and storage encryption
• Access Controls: Restricted access to authorized personnel only
• Regular Audits: Periodic security assessments and updates
• Employee Training: Regular privacy and security training for staff
• Physical Security: Secure facilities and document storage

7. Data Retention

We retain your personal information for different periods based on:

• Client Records: 7 years after service termination (regulatory requirement)
• Financial Records: As required by tax and securities regulations
• Marketing Data: Until you withdraw consent or as legally required
• Website Data: Up to 2 years or as specified in cookie settings

8. Your Privacy Rights

Under Canadian privacy law, you have the right to:

• Access: Request a copy of your personal information
• Correction: Request correction of inaccurate information
• Withdrawal: Withdraw consent where applicable
• Portability: Request transfer of your data
• Complaint: File complaints with privacy authorities

Exercising Your Rights

To exercise these rights, contact us at:

• Email: [email protected]
• Phone: (416) 555-1234
• Mail: 1200 Bay Street, Suite 800, Toronto, ON M5R 2A5

9. International Transfers

Your personal information may be processed in countries outside Canada. When this occurs, we ensure appropriate safeguards are in place to protect your information according to Canadian privacy standards.

10. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware of such collection, we will promptly delete the information.

11. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. We will notify you of material changes through:

• Email notification to registered users
• Prominent notice on our website
• Direct communication for significant changes

12. Contact Information

If you have questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact:

13. Regulatory Information

Rettetranq is regulated by:

• Investment Industry Regulatory Organization of Canada (IIROC)
• Provincial securities regulators
• Financial Planning Standards Council (FPSC)

If you are not satisfied with our response to your privacy concern, you may file a complaint with the Office of the Privacy Commissioner of Canada or your provincial privacy commissioner.