Privacy Policy

Effective Date: January 1, 2025

Introduction

At acelaaurisalio, we understand that your financial information is deeply personal. When you trust us with your money handling needs, you're placing confidence in our commitment to protecting your privacy.

This Privacy Policy explains how we collect, use, store, and safeguard your personal information in accordance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation.

We believe transparency builds trust. That's why we've written this policy in plain language, avoiding legal jargon wherever possible.

Information We Collect

We collect different types of information to provide you with secure and effective financial services:

Personal Identification Information

Full name and date of birth
Government-issued identification numbers
Contact information (address, phone, email)
Employment and income verification details

Financial Information

Bank account details and transaction history
Credit history and credit scores
Investment portfolios and asset information
Payment patterns and financial behavior

Why We Need This Information: Canadian financial regulations require us to verify your identity and assess your financial situation. This helps us prevent fraud, comply with anti-money laundering laws, and provide personalized financial solutions.

How We Use Your Information

We use your personal information for specific, legitimate business purposes:

Purpose	Information Used	Legal Basis
Account management and transactions	Identity, contact, and financial data	Contractual necessity
Fraud prevention and security	Transaction patterns, device information	Legitimate business interest
Regulatory compliance	All collected information	Legal obligation
Service improvements	Usage patterns, feedback	Legitimate business interest

We never sell your personal information to third parties. Any sharing of information is limited to specific circumstances outlined in this policy.

Information Sharing and Disclosure

We share your information only when necessary and with your consent, except in specific legal circumstances:

Service Providers

We work with trusted third-party companies that help us provide financial services. These include payment processors, credit bureaus, and technology providers. All partners must meet our strict privacy and security standards.

Legal Requirements

We may disclose information when required by Canadian law, court orders, or regulatory authorities. This includes compliance with anti-money laundering regulations and tax reporting requirements.

Business Transfers

If acelaaurisalio is acquired or merged with another company, your information may be transferred as part of that transaction. We'll notify you before this happens and explain any changes to privacy protections.

Emergency Situations

We may share information to protect you, other customers, or our employees from immediate physical harm or financial fraud. This only happens in genuine emergency situations.

Your Privacy Rights Under Canadian Law

As a Canadian resident, you have specific rights regarding your personal information:

Right to Access: You can request a copy of all personal information we hold about you. We'll provide this within 30 days, free of charge for the first request each year.

Right to Correction: If any information is inaccurate or incomplete, you can ask us to correct it immediately
Right to Withdrawal: You can withdraw consent for certain uses of your information, though this may limit our ability to provide services
Right to Complaint: You can file complaints with the Privacy Commissioner of Canada if you believe we've mishandled your information
Right to Explanation: You can ask us to explain any automated decision-making processes that affect you
Right to Data Portability: You can request your information in a format that allows you to transfer it to another service provider

To exercise any of these rights, contact our Privacy Officer using the information provided at the bottom of this policy. We'll respond to most requests within 30 days.

Data Security and Protection

Protecting your financial information is our top priority. We use multiple layers of security:

Technical Safeguards

256-bit SSL encryption for all data transmission
Multi-factor authentication for account access
Regular security audits and penetration testing
Encrypted data storage with restricted access

Administrative Safeguards

Background checks for all employees
Regular privacy and security training
Access controls based on job requirements
Incident response procedures

Data Breach Response: If a security incident occurs that could affect your information, we'll notify you within 72 hours and explain what happened, what information was involved, and what steps we're taking to resolve the issue.

Data Retention and Deletion

We keep your information only as long as necessary for business and legal purposes:

Information Type	Retention Period	Reason
Account information	7 years after account closure	Canadian banking regulations
Transaction records	7 years from transaction date	Tax and audit requirements
Marketing communications	Until you unsubscribe	Ongoing relationship
Support inquiries	3 years from resolution	Service improvement

After retention periods expire, we securely delete or anonymize your information. You can request earlier deletion in some cases, but legal and regulatory requirements may prevent immediate removal of certain records.

International Data Transfers

While we primarily store and process your information within Canada, some of our service providers may be located outside the country:

Cross-Border Transfers: When we transfer information outside Canada, we ensure the receiving country has adequate privacy protections or we implement additional safeguards like contractual protections and encryption.

Currently, some of our cloud storage and fraud prevention services operate in the United States. These transfers are governed by strict contractual agreements that require the same level of privacy protection as Canadian law.

You have the right to know about these transfers and to object in certain circumstances. Contact our Privacy Officer if you have concerns about international processing of your information.

Updates to This Policy

We review and update this Privacy Policy regularly to reflect changes in our practices, technology, and legal requirements.

When we make significant changes, we'll notify you by email and post the updated policy on our website. The "Effective Date" at the top shows when the current version took effect.

Your Continued Use: By continuing to use our services after policy updates, you accept the new terms. If you disagree with changes, you can close your account or contact us to discuss your concerns.

Privacy Questions or Concerns?

We're here to help you understand how we protect your information. Our Privacy Officer is available to answer questions and handle privacy-related requests.

Privacy Officer
acelaaurisalio Financial Services

Mail: 130 Rue Dequoy, Saint-Gabriel-de-Brandon, QC J0K 2N0, Canada

Phone: +1 (250) 992-7774

Email: privacy@acelaaurisalio.world

We aim to respond to all privacy inquiries within 48 hours during business days. For urgent privacy concerns, please call our main number and ask to speak with the Privacy Officer.