Last Updated: June 11, 2024

1. Our Commitment to Your Privacy

Sou Finanças (“we,” “us,” “our”) is committed to protecting the privacy and security of your personal and financial information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you use our financial services, visit our website [Insira o URL do seu site aqui], or interact with us.

This policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada and applicable provincial privacy laws, including those in British Columbia, Alberta, and Quebec (Law 25).

2. What is Personal Information?

“Personal Information” means any information about an identifiable individual. For the services provided by Sou Finanças, this includes, but is not limited to:

Identifiers: Name, date of birth, mailing address, email address, phone number.

Financial Information: Income, assets, liabilities, credit history, bank account details, investment details, and tax information (including Social Insurance Number – SIN).

Employment Information: Occupation, employer name, and employment history.

Technical Information: IP address, browser type, device information, and website usage data collected through cookies.

3. Information We Collect

We collect personal information in the following ways:

Directly from You: When you apply for our services, fill out forms, speak with our advisors, or provide information through our secure client portal.

From Third Parties: With your explicit consent, we may collect information from credit bureaus, other financial institutions, your employer, or other third parties as needed to provide our services.

Automatically: When you visit our website, we may automatically collect technical data through cookies and similar technologies. You can manage your cookie preferences through your browser settings.

4. How We Use Your Information

We use your personal information for the following purposes:

To Provide Financial Services: To assess your financial situation, provide financial advice, process transactions, manage your accounts, and fulfill our contractual obligations to you.

To Verify Your Identity: To comply with “Know Your Client” (KYC) requirements and to prevent fraud and money laundering.

For Communication: To send you important information about your account, respond to your inquiries, and provide customer support.

For Marketing: With your consent, to inform you about products, services, or promotions that may be of interest to you. You can opt-out of marketing communications at any time.

To Meet Legal and Regulatory Requirements: To comply with applicable laws, tax reporting obligations, and requests from regulatory bodies.

To Improve Our Services: To analyze how our services are used and to improve our offerings and website functionality.

5. Consent

We will obtain your express consent before collecting, using, or disclosing your personal information for any purpose. Consent will typically be obtained through our client agreements and application forms.

You may withdraw your consent at any time, subject to legal and contractual restrictions. Please note that withdrawing consent may prevent us from providing you with certain services.

6. Disclosure of Your Information

We do not sell your personal information. We may disclose your information to:

Third-Party Service Providers: Such as custodians, technology providers, and printing and mailing services who assist us in providing our services. These providers are contractually obligated to protect your information and use it only for the purposes for which it was disclosed.

Financial Institutions: Other financial institutions, such as banks or investment firms, as required to complete your transactions.

Regulatory Authorities: Government bodies and regulatory agencies as required by law (e.g., Canada Revenue Agency, FINTRAC).

Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity.

7. Data Security

We have implemented robust physical, administrative, and technical security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include encryption, firewalls, secure data centers, and restricted access to personal information.

8. Data Retention

We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, and to comply with our legal and regulatory obligations. Retention periods will vary depending on the nature of the information and the services provided.

9. Your Privacy Rights

You have the following rights regarding your personal information:

Right to Access: You have the right to request access to the personal information we hold about you.

Right to Rectification: You have the right to request that we correct any inaccurate or incomplete information.

Right to Withdraw Consent: You have the right to withdraw your consent to our use of your information, subject to legal and contractual limitations.

To exercise any of these rights, please contact our Privacy Officer.

10. International Data Transfers

Your information may be stored and processed in Canada or other jurisdictions where our service providers are located. If your information is transferred outside of Canada, it will be protected by contractual agreements that ensure a comparable level of privacy protection.

11. Privacy Officer (As required by Quebec’s Law 25)

We have appointed a Privacy Officer who is responsible for ensuring our compliance with this Privacy Policy and applicable privacy laws. If you have any questions or concerns about our privacy practices, please contact our Privacy Officer at: [email protected]

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on our website and updating the “Last Updated” date. We encourage you to review this policy periodically.

13. Contact Us

If you have any questions about this Privacy Policy, please contact us at: [email protected]