Privacy Policy

1. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income details, investment goals, risk tolerance, financial statements (when provided voluntarily for consultation purposes)
• Identification Information: Date of birth, Social Insurance Number (when required for specific services)
• Communication Records: Records of our communications with you, including emails, phone calls, and meeting notes

Automatically Collected Information

When you visit our website, we automatically collect certain information:

• Technical Information: IP address, browser type, operating system, device information
• Usage Information: Pages visited, time spent on pages, referring websites
• Cookies and Tracking: Information collected through cookies and similar technologies (see our Cookie Policy for details)

2. How We Use Your Information

We use your personal information for the following purposes:

Service Provision

• Providing financial planning and advisory services
• Conducting financial needs assessments and analysis
• Developing personalized financial strategies and recommendations
• Managing client accounts and relationships

Communication

• Responding to inquiries and providing customer support
• Sending service-related notifications and updates
• Providing educational content and market insights (with your consent)
• Scheduling appointments and meetings

Legal and Regulatory Compliance

• Complying with applicable laws and regulations
• Meeting regulatory reporting requirements
• Conducting know-your-client (KYC) procedures
• Anti-money laundering (AML) compliance

Business Operations

• Improving our services and website functionality
• Conducting internal analytics and research
• Protecting against fraud and security threats
• Managing business relationships and partnerships

3. Information Sharing and Disclosure

We Do Not Sell Your Information

Car Tricks Financial does not sell, rent, or trade your personal information to third parties for their marketing purposes.

Limited Disclosure

We may share your information in the following circumstances:

• Service Providers: Third-party vendors who assist us in providing services (e.g., technology providers, custodians, fund companies)
• Legal Requirements: When required by law, court order, or regulatory authority
• Business Transfers: In connection with a merger, acquisition, or sale of business assets
• Consent: When you have provided explicit consent for specific disclosures
• Protection: To protect our rights, property, or safety, or that of our clients or others

Professional Partners

We may share information with other financial professionals (such as accountants, lawyers, or insurance agents) when providing comprehensive financial planning services, but only with your explicit consent.

4. Data Security

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• Encryption of data in transit and at rest
• Secure socket layer (SSL) technology for website communications
• Regular security updates and system monitoring
• Access controls and authentication requirements

Administrative Safeguards

• Employee training on privacy and security practices
• Confidentiality agreements with staff and service providers
• Regular privacy and security audits
• Incident response procedures

Physical Safeguards

• Secure office facilities with controlled access
• Locked filing systems for physical documents
• Secure disposal of confidential information

5. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, including:

• Active Clients: Throughout the duration of our professional relationship
• Former Clients: Seven years after the end of our professional relationship, as required by regulatory standards
• Prospects: Two years from last contact, unless you request earlier deletion
• Website Visitors: Analytics data is retained for up to 26 months

We may retain certain information longer if required by law or for legitimate business purposes.

6. Your Privacy Rights

Under Canadian privacy legislation, you have the following rights:

Access and Correction

• Request access to your personal information in our possession
• Request correction of inaccurate or incomplete information
• Receive information about how your data is being used

Withdrawal of Consent

• Withdraw consent for certain uses of your information (subject to legal and contractual restrictions)
• Opt out of marketing communications
• Request deletion of your information (subject to retention requirements)

Complaints

• File a complaint about our privacy practices
• Contact the Privacy Commissioner of Canada if you believe your privacy rights have been violated

7. Cookies and Website Analytics

Our website uses cookies and similar technologies to enhance your browsing experience. For detailed information about our use of cookies, please see our Cookie Policy.

Google Analytics

We use Google Analytics to understand how visitors interact with our website. This service may collect information such as your IP address, browser type, and pages visited. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

9. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

10. International Transfers

Your personal information may be stored and processed in Canada or other countries where our service providers operate. When we transfer your information outside of Canada, we ensure appropriate safeguards are in place to protect your privacy rights.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending email notification to our clients
• Providing notice during your next appointment or communication

Your continued use of our services after any changes indicates your acceptance of the updated Privacy Policy.

12. Contact Us

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

We will respond to your inquiry within 30 days of receipt.