Information We Collect

Personal Details You Share

When you sign up or use our investment tools, we collect information you provide directly. This includes your name, email, phone number, mailing address, date of birth, and financial details needed to manage your investment accounts.

We also collect government-issued ID information when required by Canadian financial regulations. You might share employment details or income information with us too, depending on the services you use.

Automatically Collected Data

Our systems log technical information when you visit xyxarfyoux.pro. This includes your IP address, browser type, device information, operating system, and pages you visit. We use cookies and similar tracking tech to understand how people use our site.

How We Use Your Information

We use the information we collect for specific, legitimate reasons. Here's what that looks like in practice:

• Processing your investment transactions and managing your accounts
• Meeting our legal obligations under Canadian securities and anti-money laundering laws
• Communicating about your accounts, including statements and important notices
• Improving our platform based on how people actually use it
• Protecting against fraud and unauthorized access to your accounts
• Responding to your questions and providing customer support
• Sending educational content about investment instruments (only if you've agreed to receive it)

Information Sharing and Disclosure

Sometimes we need to share your information with other organizations. We're selective about who we work with and make sure they handle your data responsibly.

Service Providers

We work with companies that help us deliver our services – payment processors, data storage providers, identity verification services, and IT security firms. These partners only get access to information they need to do their specific job, and they're contractually required to protect it.

Regulatory Bodies

Canadian securities regulators and financial authorities sometimes require us to provide client information. We comply with legal requests from FINTRAC, the CRA, provincial securities commissions, and law enforcement when they follow proper procedures.

Business Transfers

If Xyxar Fyoux merges with another company or transfers part of our business, your information might be included in that transfer. You'd be notified before this happens, and the new entity would need to honor this privacy policy.

Your Rights and Choices

You have meaningful control over your personal information. Here's what you can do:

To use any of these rights, email info@xyxarfyoux.pro with "Privacy Rights Request" in the subject line. We'll verify your identity and respond within 30 days. There's no charge for reasonable requests, though we might charge a fee for repetitive or clearly excessive requests.

Data Security Measures

We take security seriously because your financial information demands it. Our approach combines technical safeguards, organizational policies, and ongoing monitoring.

Technical Protections

• Industry-standard encryption (TLS 1.3) for data transmission
• Encrypted storage for sensitive personal and financial data
• Multi-factor authentication requirements for account access
• Regular security audits and penetration testing
• Firewalls and intrusion detection systems protecting our infrastructure
• Secure data centers with physical access controls

Organizational Measures

Access to personal information is limited to employees who need it for their jobs. Our team receives regular privacy and security training. We have incident response procedures ready if a breach occurs, and we'll notify affected individuals as required by Canadian law.

That said, no system is completely secure. While we work hard to protect your information, we can't guarantee absolute security. You play a role too – keep your login credentials private, use strong passwords, and let us know immediately if you notice suspicious account activity.

Cookies and Tracking Technologies

Our website uses cookies – small text files stored on your device. They help us remember your preferences, keep you logged in, and understand how people use our site.

Types of Cookies We Use

Essential Cookies: These are necessary for the site to function. They enable core features like secure login and account access. You can't opt out of these if you want to use our services.

Analytics Cookies: We use these to understand site traffic patterns and user behavior. This helps us improve navigation and identify which features people find useful.

Preference Cookies: These remember your settings and choices to give you a more personalized experience on return visits.

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect site functionality. Check your browser's help section to learn how to manage cookie preferences.

Data Retention

We keep your information only as long as we need it for legitimate purposes or to meet legal requirements. Financial services regulations in Canada require us to maintain certain records for specific periods.

Client identification information and transaction records are kept for seven years after your last transaction or account closure, as required by FINTRAC regulations. Marketing preference data is kept until you withdraw consent. Technical logs and analytics data typically get deleted after 24 months.

When retention periods expire and we no longer need the information, we securely delete or anonymize it. Anonymous data that can't identify you might be kept longer for statistical analysis.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect personal information from minors. If you're a parent or guardian and believe your child has provided us with personal information, contact us immediately and we'll delete it.

Investment accounts require account holders to be of legal age in their province, which is 18 or 19 depending on where you live in Canada.

Third-Party Links

Our website might link to external sites operated by other companies. We don't control these sites and aren't responsible for their privacy practices. When you click a link leaving xyxarfyoux.pro, you're subject to that site's privacy policy.

Before sharing personal information on any website, review their privacy policy. This is especially important for financial sites.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our website.

The "Last Updated" date at the top shows when the most recent changes took effect. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of our services after changes take effect means you accept the updated policy.

Complaints and Disputes

If you're concerned about how we've handled your personal information, we want to hear about it. Start by contacting our privacy officer at the email address below. We'll investigate your complaint and respond within 30 days.

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 about federal organizations.