Privacy Policy

Onlinelornivexa Capital Allocation Platform

Effective Date: January 15, 2025 | Last Updated: January 15, 2025

1. Introduction and Overview

At Onlinelornivexa ("we," "us," or "our"), we take your privacy seriously. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website onlinelornivexa.com and use our capital allocation platform services.

Onlinelornivexa operates as a comprehensive financial education and capital allocation platform, serving clients across Canada and beyond. We understand that your personal and financial information is sensitive, and we've built our privacy practices around protecting that trust.

Important: By using our services, you agree to the collection and use of information in accordance with this policy. If you disagree with any part of this policy, please do not use our services.

This policy applies to all information collected through our website, mobile applications, email communications, and any related services. We may update this policy from time to time, and we'll notify you of any material changes through our platform or via email.

2. Information We Collect

Personal Information

We collect several types of information from and about users of our service, including:

  • Name, email address, and phone number
  • Mailing address and billing information
  • Financial information relevant to capital allocation decisions
  • Investment preferences and risk tolerance assessments
  • Employment information and income details
  • Government-issued identification numbers when required

Usage Information

We automatically collect certain information about your device and how you interact with our platform:

  • Browser type and version
  • Operating system and device information
  • IP address and location data
  • Pages visited and time spent on our platform
  • Clickstream data and navigation patterns
  • Search queries and feature usage

Third-Party Information

We may receive information about you from third parties, including:

  • Credit bureaus and financial institutions
  • Identity verification services
  • Public databases and government sources
  • Social media platforms (only if you choose to connect them)
  • Business partners and referral sources

3. How We Use Your Information

We use the information we collect for various purposes, always in accordance with applicable laws and regulations:

Service Delivery

  • Provide personalized capital allocation recommendations
  • Process transactions and manage your account
  • Deliver educational content and learning programs
  • Facilitate communication between you and our advisors
  • Generate reports and analytics for your portfolio

Legal and Regulatory Compliance

  • Verify your identity and prevent fraud
  • Comply with anti-money laundering regulations
  • Meet reporting requirements to regulatory authorities
  • Maintain required records for audit purposes
  • Respond to legal requests and court orders

Service Improvement

  • Analyze usage patterns to enhance user experience
  • Develop new features and services
  • Conduct research and data analysis
  • Troubleshoot technical issues
  • Optimize platform performance

Marketing Communications: We may use your information to send you newsletters, educational materials, and promotional content. You can opt out of these communications at any time using the unsubscribe link in our emails.

4. Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to outside parties without your consent, except in the following circumstances:

Service Providers

We may share your information with trusted third-party service providers who assist us in operating our platform:

Service Type Purpose Data Shared
Cloud Storage Data backup and storage Account information, transaction history
Payment Processing Transaction processing Billing information, payment details
Identity Verification KYC compliance Personal identification information
Analytics Platform improvement Usage data, anonymized metrics
Customer Support Technical assistance Account details, support tickets

Legal Requirements

We may disclose your information when required by law or to:

  • Comply with legal process or government requests
  • Protect our rights, property, or safety
  • Prevent fraud or illegal activities
  • Assist in law enforcement investigations
  • Meet regulatory reporting obligations

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We will notify you before your information becomes subject to a different privacy policy.

5. Your Privacy Rights

You have several rights regarding your personal information. The specific rights available to you may vary depending on your location and applicable laws:

Access Right

You can request a copy of the personal information we hold about you. We'll provide this information in a structured, commonly used format.

Correction Right

You can request that we correct any inaccurate or incomplete personal information we have about you.

Deletion Right

You can request that we delete your personal information, subject to certain legal and regulatory requirements.

Portability Right

You can request to receive your personal information in a portable format and have it transferred to another service provider.

Restriction Right

You can request that we restrict the processing of your personal information in certain circumstances.

Objection Right

You can object to the processing of your personal information for certain purposes, including direct marketing.

How to Exercise Your Rights: To exercise any of these rights, please contact our privacy team at info@onlinelornivexa.com or call +14039683475. We'll respond to your request within 30 days and may need to verify your identity before processing your request.

Please note that some rights may be limited by applicable laws or our legitimate business interests. For example, we may need to retain certain information for regulatory compliance even after you request deletion.

6. Data Security and Protection

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction:

Technical Safeguards

  • End-to-end encryption for data transmission
  • Advanced encryption standards (AES-256) for data storage
  • Multi-factor authentication for account access
  • Regular security audits and penetration testing
  • Automated monitoring for suspicious activities
  • Secure backup systems with encryption

Physical Safeguards

  • Restricted access to server facilities
  • Biometric authentication for sensitive areas
  • Environmental controls and fire protection
  • Secure disposal of physical media
  • Regular facility security assessments

Administrative Safeguards

  • Employee background checks and security training
  • Access controls based on job responsibilities
  • Regular security policy updates
  • Incident response procedures
  • Vendor security assessments

Data Breach Response: In the unlikely event of a data breach, we have established procedures to contain the incident, assess the impact, and notify affected users and regulatory authorities as required by law.

7. Data Retention and Deletion

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations:

Retention Periods

Information Type Retention Period Legal Basis
Account Information 7 years after account closure Regulatory requirements
Transaction Records 7 years from transaction date Tax and audit requirements
Marketing Communications Until you unsubscribe Consent-based
Support Tickets 3 years after resolution Service improvement
Website Analytics 26 months Statistical purposes

Deletion Procedures

When retention periods expire or when you request deletion, we follow these procedures:

  • Secure deletion from all active systems
  • Removal from backup systems within 90 days
  • Destruction of physical media containing the information
  • Notification to third parties who received the information
  • Documentation of deletion for audit purposes

Some information may be retained in anonymized form for statistical analysis and service improvement purposes.

8. International Data Transfers

While Onlinelornivexa is based in Canada, we may transfer your information to other countries for processing by our service providers. We ensure that all international transfers comply with applicable privacy laws:

Transfer Safeguards

  • Standard contractual clauses approved by privacy authorities
  • Adequacy decisions recognizing equivalent privacy protection
  • Binding corporate rules for multinational service providers
  • Industry-specific certification programs
  • Regular compliance audits of international partners

Countries We May Transfer To

We may transfer your information to the following countries, all of which have been assessed for adequate privacy protection:

  • United States (under Privacy Shield framework)
  • European Union member states
  • United Kingdom
  • Australia
  • New Zealand

Before transferring your information to any new country, we conduct a thorough assessment of its privacy laws and implement appropriate safeguards.

9. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our platform and gather information about usage patterns:

Types of Cookies We Use

Cookie Type Purpose Duration
Essential Cookies Enable basic website functionality Session
Performance Cookies Analyze website performance and usage 2 years
Functional Cookies Remember your preferences and settings 1 year
Marketing Cookies Deliver personalized advertising 1 year

Managing Cookie Preferences

You can control cookie settings through your browser preferences or our cookie management tool. Please note that disabling certain cookies may limit your ability to use some features of our platform.

Third-Party Cookies: Some cookies on our site are placed by third-party services. We regularly review these partnerships to ensure they meet our privacy standards.

10. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately at info@onlinelornivexa.com. We will take steps to remove such information from our systems.

For educational programs that may involve minors, we require explicit parental consent and implement additional safeguards to protect children's privacy.

11. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes through:

  • Email notification to your registered email address
  • Prominent notice on our website
  • In-platform notifications when you log in
  • Updated effective date at the top of this policy

We encourage you to review this policy periodically to stay informed about how we protect your privacy. Continued use of our services after any changes indicates your acceptance of the updated policy.

Contact Us About Privacy

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

Email: info@onlinelornivexa.com

Phone: +1 (403) 968-3475

Address:
Onlinelornivexa Capital Allocation
112 Rue au Bois Dormant
Saint-Colomban, QC J5K 1C8
Canada

We are committed to resolving any privacy concerns promptly and transparently.