Privacy Policy

1. Information We Collect

We collect different types of information depending on how you interact with our platform. Here's what we gather and why:

Personal Information You Provide

When you create an account or use our services, you give us information directly. This includes your name, email address, phone number, and mailing address. If you connect investment accounts, we also receive the credentials and authorization tokens needed to monitor those accounts on your behalf.

Financial Data

Our platform works by accessing your investment account information. This means we collect portfolio holdings, transaction history, account balances, and performance metrics. We need this data to provide you with accurate monitoring and analysis.

Usage Information

Like most online services, we automatically collect certain technical data when you use Moralexion. This includes your IP address, browser type, device information, and how you navigate through our platform. We use this to improve functionality and troubleshoot issues.

Communication Records

When you contact our support team or communicate with us in any way, we keep records of those interactions. This helps us provide better service and resolve any concerns you might have.

2. How We Use Your Information

We're not in the business of collecting data for its own sake. Everything we collect serves a specific purpose related to providing and improving our investment monitoring services.

• Service Delivery: We use your financial data to monitor your investments, generate performance reports, and provide the analytical tools you signed up for.
• Account Management: Your contact information lets us communicate with you about your account, send important updates, and verify your identity when needed.
• Platform Improvement: Usage data helps us understand how people interact with Moralexion so we can make it better and fix problems.
• Security and Fraud Prevention: We analyze patterns to detect suspicious activity and protect your account from unauthorized access.
• Legal Compliance: Sometimes we need to use your information to meet our legal obligations under Canadian financial and privacy regulations.
• Customer Support: When you reach out for help, we use your information to respond effectively and resolve issues.

3. Data Sharing and Disclosure

We don't sell your personal information. Period. But we do share data in specific circumstances that are necessary for running our service.

Service Providers

We work with third-party companies that help us operate Moralexion. This includes cloud hosting providers, data analytics services, and customer support platforms. These partners only access the information they need to perform their specific functions, and they're contractually required to protect your data.

Financial Institutions

To connect your investment accounts, we use secure data aggregation services that communicate with your financial institutions. These services are bound by strict confidentiality agreements.

Legal Requirements

We may disclose your information if required by Canadian law, court order, or government regulation. We'll also share data if necessary to protect our legal rights or prevent fraud and security threats.

Business Transfers

If Moralexion is acquired or merged with another company, your information would be transferred as part of that transaction. We'd notify you before this happens and explain any changes to how your data is handled.

4. Data Storage and Security

Your financial information is sensitive, and we treat it that way. Here's how we protect it:

We use industry-standard encryption both when data moves between your device and our servers (in transit) and when it sits in our databases (at rest). Our systems undergo regular security audits, and we maintain strict access controls so only authorized personnel can view sensitive information.

Employee access to customer data is logged and monitored. Our team receives regular training on privacy and security best practices. We also maintain incident response procedures in case of any security breach.

That said, no system is perfectly secure. While we take extensive precautions, we can't guarantee absolute security of data transmitted over the internet.

5. Your Rights and Choices

Under Canadian privacy law, you have specific rights regarding your personal information. Here's what you can do:

Access Your Information

You can request a copy of the personal information we hold about you. We'll provide this within 30 days of your request, subject to certain legal exceptions.

Correct Inaccurate Data

If any information we have is wrong or outdated, you can ask us to correct it. You can update most information directly through your account settings.

Delete Your Data

You have the right to request deletion of your personal information. We'll honor this unless we need to retain certain data for legal compliance or legitimate business purposes (like resolving disputes or enforcing agreements).

Withdraw Consent

You can withdraw consent for certain data processing activities. Keep in mind that this might limit your ability to use some features of our service.

Data Portability

You can request a copy of your data in a commonly used, machine-readable format to transfer to another service.

Lodge a Complaint

If you believe we've mishandled your personal information, you can file a complaint with the Office of the Privacy Commissioner of Canada.

To exercise any of these rights, contact us at [email protected] or write to us at 395 Wilkinson Ave, Dartmouth, NS B3B, Canada.

6. Cookies and Tracking Technologies

We use cookies and similar technologies to make Moralexion work properly and understand how people use it. Cookies are small text files stored on your device.

Most browsers let you control cookies through their settings. But disabling certain cookies might affect how well Moralexion works for you.

7. Data Retention

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

Active account data is retained as long as your account remains open and for a reasonable period afterward to handle any issues that might come up. Financial transaction records are kept for seven years to comply with Canadian tax and financial regulations.

Communication records are typically retained for three years unless there's an ongoing support issue or legal matter. Usage and analytics data is usually kept in aggregated form for up to two years.

When we no longer need your information, we securely delete or anonymize it so it can't be traced back to you.

8. Third-Party Links and Services

Our platform might contain links to external websites or integrate with third-party services. We're not responsible for the privacy practices of these outside parties.

When you click a link that takes you away from Moralexion or connect a third-party service to your account, you're subject to that organization's privacy policy. We recommend reading their policies before sharing any personal information.

9. Children's Privacy

Moralexion is not intended for anyone under 18 years of age. We don't knowingly collect personal information from minors. If we discover that we've inadvertently collected data from someone under 18, we'll delete it promptly.

If you're a parent or guardian and believe your child has provided us with personal information, please contact us immediately.

10. International Data Transfers

While we store data in Canada, some of our service providers operate in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place through contractual protections and compliance with Canadian data transfer requirements.

Any cross-border data transfers comply with PIPEDA standards for protecting personal information transferred outside Canada.

11. Changes to This Privacy 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 or through a prominent notice on our platform before the changes take effect.

The "Effective Date" at the top of this page shows when it was last updated. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of Moralexion after changes take effect means you accept the updated policy. If you don't agree with changes, you can close your account.

12. Automated Decision-Making

We use automated systems to analyze your investment data and generate insights. These algorithms help identify trends, calculate performance metrics, and provide recommendations.

However, we don't make decisions that significantly affect you based solely on automated processing without human oversight. Any major account actions require explicit confirmation from you.