Information We Collect

We collect different types of information depending on how you interact with us. Some you provide directly, and some we gather automatically as you use our platform.

Personal Information You Provide

When you create an account or use our services, we ask for information like:

• Your full name, email address, and phone number
• Mailing address (we need this for account verification and regulatory compliance)
• Date of birth and government-issued identification numbers
• Financial information including bank account details, investment experience, and risk tolerance
• Family structure details if you're setting up family investing accounts
• Employment information and income details for suitability assessments

Information We Collect Automatically

Like most online services, we collect some data automatically when you visit our site:

• Device information like your IP address, browser type, and operating system
• How you navigate our website and which features you use
• Time stamps for your sessions and transactions
• Cookies and similar tracking technologies (more on this below)

How We Use Your Information

We don't collect data just for the sake of it. Everything we gather serves a specific purpose related to providing and improving our services.

We also use your information to personalize your experience, provide customer support, and detect potential fraud or security issues. And yes, we may send you educational content about family investing strategies, but you can opt out of these communications anytime.

Sharing Your Information

We don't sell your personal information to anyone. Period. But we do share data with certain parties when necessary to provide our services or comply with legal requirements.

Service Providers

We work with third-party companies that help us operate our platform. This includes payment processors, cloud storage providers, identity verification services, and IT support. These companies only get access to the information they need to do their jobs, and they're required to protect it just like we do.

Financial Institutions

When you link your bank account or make investments, we share relevant information with financial institutions to process transactions. This is necessary to provide our core services.

Legal Requirements

Sometimes we're legally required to disclose information. This happens when:

• We receive a valid court order, subpoena, or other legal demand
• Canadian tax authorities request information for compliance purposes
• We need to investigate or prevent fraud, security threats, or illegal activity
• Financial regulators conduct audits or investigations

Your Rights and Choices

Under Canadian privacy law, you have several rights regarding your personal information. These aren't just theoretical—we've set up systems to make it easy for you to exercise them.

To exercise any of these rights, email us at [email protected] or call +16045767000. We'll verify your identity and process your request promptly.

Data Security

Protecting your information is something we think about constantly. We use multiple layers of security to keep your data safe from unauthorized access, loss, or misuse.

Technical Safeguards

• All data transmission is encrypted using industry-standard TLS protocols
• Your sensitive information is encrypted at rest in our databases
• We use multi-factor authentication to protect account access
• Our systems are regularly tested for vulnerabilities and patched promptly
• Access to personal data is restricted to employees who need it for their jobs

Organizational Measures

Security isn't just about technology. We've implemented policies and procedures to protect your information:

• All employees receive privacy and security training
• We conduct regular security audits and risk assessments
• Access to systems is logged and monitored
• We have incident response plans in case something goes wrong
• Third-party service providers must meet our security standards

That said, no system is completely secure. We do everything possible to protect your data, but we can't guarantee absolute security. You also play a role—use strong passwords, don't share your login credentials, and let us know immediately if you notice anything suspicious.

Data Retention

We don't keep your information forever. How long we retain data depends on the type of information and why we collected it.

After retention periods expire, we securely delete or anonymize your information. In some cases, we may keep anonymized data for statistical purposes—this data can't be traced back to you.

International Data Transfers

Your information is primarily stored on servers located in Canada. However, some of our service providers operate in other countries, particularly the United States. When we transfer data internationally, we ensure appropriate safeguards are in place.

These safeguards include contractual protections that meet Canadian privacy standards and verification that receiving countries have adequate privacy laws. You have the right to know where your data is stored and request information about international transfers.

Children's Privacy

Our services are designed for adults managing family investments. We don't knowingly collect personal information from anyone under 18 without parental consent. If you're setting up investment accounts for your children, you're responsible for providing their information and consenting on their behalf.

If we learn we've inadvertently collected information from a child without proper consent, we'll delete it promptly.

Changes to This Policy

We update this policy occasionally to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website before the changes take effect.

The "Last Updated" date at the top shows when this policy was most recently revised. We encourage you to review this policy periodically, especially before sharing new types of information with us.

Complaints and Concerns

If you're not satisfied with how we've handled your personal information, please contact our privacy team first. We take complaints seriously and will investigate thoroughly.

If you're not satisfied with our response, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada. They're an independent body that investigates privacy complaints and can be reached at: