Privacy policy.

 Last Updated: August 2024

 Wagner, Livock & Associates Financial Services Inc. (“WLA,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the confidentiality and security of your personal information. This Privacy Policy (“Policy”) explains our practices regarding the collection, use, disclosure, and protection of your personal information when you visit our website (the “Website”), engage with our financial services, or interact with us in any other way. 

1. Collection and Use of Personal Information

a. Types of Information Collected: 

  • Personal Information: We may collect personal information that you provide to us voluntarily, including but not limited to your name, contact details (such as email address, telephone number, and mailing address), financial information, identification details, and any other information you provide during interactions with us.

  • Non-Personal Information: We may also collect non-personal information such as demographic data, browsing history, IP address, and information about your device and internet connection. This data helps us understand how our Website is used and how we can improve our services.

b. Methods of Collection:

  • Direct Collection: We collect personal information directly from you when you fill out forms on our Website, communicate with us, or use our financial services.

  • Automated Collection: We may automatically collect information through cookies, web beacons, and other tracking technologies when you visit our Website. This information helps us analyze trends, administer the Website, and enhance your user experience.

c. Purpose of Use:

  • We use the personal information we collect to provide you with our financial services, respond to your inquiries, process transactions, manage your account, and improve our offerings.

  • We may also use your information to comply with legal obligations, enforce our terms of service, prevent fraud, and ensure the security and integrity of our systems.

d. Legal Basis for Processing:

  • We process your personal information based on your consent, the performance of a contract, compliance with legal obligations, or our legitimate business interests, such as improving our services and ensuring the security of our operations.

2. Security and Confidentiality

a. Protection Measures:

  • We implement industry-standard physical, electronic, and procedural safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption, secure data storage, firewalls, and access controls.

b. Access to Information:

  • Access to your personal information is restricted to authorized employees, contractors, and service providers who need the information to perform their duties. These individuals are bound by confidentiality obligations and may be subject to disciplinary action, including termination, if they fail to meet these obligations.

c. Security Breach Notification:

  • In the event of a security breach that compromises your personal information, we will notify you and the relevant regulatory authorities as required by applicable law.

 

3. Data Sharing and Disclosure

a. Third-Party Service Providers:

  • We may share your personal information with trusted third-party service providers who assist us in delivering our financial services, processing transactions, or conducting our business operations. These third parties are contractually obligated to maintain the confidentiality and security of your personal information and are prohibited from using your information for any other purpose.

b. Legal Obligations:

  • We may disclose your personal information when required by law, such as in response to a subpoena, court order, or other legal process, or when we believe in good faith that such disclosure is necessary to protect our rights, your safety, or the safety of others.

c. Business Transfers:

  • In the event that WLA undergoes a merger, acquisition, restructuring, or sale of assets, your personal information may be transferred as part of that transaction. We will notify you of any such transfer and provide you with an opportunity to opt-out if your information will be subject to a different privacy policy.

 

4. Cookies and Tracking Technologies

a. Use of Cookies:

  • Our Website may use cookies, web beacons, and similar tracking technologies to enhance your browsing experience, personalize content, and collect information about how you interact with our site. Cookies are small text files stored on your device that allow us to recognize your browser and remember certain information.

b. Types of Cookies:

  • Essential Cookies: These cookies are necessary for the functioning of the Website and cannot be disabled.

  • Analytics Cookies: These cookies collect information about how you use our Website, such as which pages you visit most often, to help us improve our Website’s performance.

  • Advertising Cookies: These cookies are used to deliver advertisements that are more relevant to you and your interests.

c. Managing Cookies:

  • You have the option to disable cookies in your browser settings. However, please note that disabling cookies may limit your ability to use certain features of our Website.

 

5. Links to Third-Party Websites

a. Third-Party Content:

  • Our Website may contain links to third-party websites, services, or content that are not owned or controlled by WLA. These links are provided for your convenience only, and we do not endorse or assume any responsibility for the privacy practices or content of these third-party sites.

b. Review of Third-Party Policies:

  • We encourage you to review the privacy policies of any third-party websites you visit before providing them with your personal information. We are not responsible for the privacy practices of third parties, and your use of such sites is at your own risk.

 

6. Children’s Privacy

a. Not Intended for Children:

  • Our services and Website are not intended for individuals under the age of 18. We do not knowingly collect or solicit personal information from children under 18. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly.

b. Parental Guidance:

  • If you are a parent or guardian and believe that your child has provided us with personal information, please contact us using the contact details provided below, and we will work to delete such information from our records.

7. International Data Transfers

a. Cross-Border Transfers:

  • Your personal information may be transferred to and processed in countries other than your country of residence. These countries may have data protection laws that are different from the laws of your country. However, we will take steps to ensure that your personal information receives an adequate level of protection in the jurisdictions where it is processed.

b. Data Protection Agreements:

  • When transferring your personal information internationally, we rely on appropriate safeguards, such as standard contractual clauses, binding corporate rules, or other legally recognized mechanisms, to ensure the protection of your data.

 

8. Data Retention

a. Retention Period:

  • We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to comply with legal, regulatory, accounting, or reporting obligations, or as otherwise permitted by law.

b. Deletion of Data:

  • When your personal information is no longer needed for the purposes outlined in this Policy, we will securely delete, anonymize, or de-identify the information in accordance with applicable laws and regulations.

9. Changes to This Privacy Policy

a. Right to Update:

  • We reserve the right to modify, update, or amend this Privacy Policy at any time, in our sole discretion. Any changes will be effective immediately upon posting on our Website. The “Last Updated” date at the top of this Policy will indicate when the latest changes were made.

b. Notification of Changes:

  • If we make any material changes to this Policy, we will notify you by posting a prominent notice on our Website or by other means, such as email, prior to the change becoming effective. We encourage you to review this Policy periodically to stay informed about how we are protecting your information.

 

10. Your Privacy Rights

a. Access and Correction:

  • You have the right to access and request the correction of any personal information that we hold about you. If you wish to exercise this right, please contact us using the details provided below.

b. Data Portability:

  • In certain circumstances, you may have the right to request that we provide your personal information to you in a structured, commonly used, and machine-readable format, or transmit it directly to another data controller, where technically feasible.

c. Withdrawal of Consent:

  • Where we rely on your consent to process your personal information, you have the right to withdraw that consent at any time. However, withdrawing your consent may affect our ability to provide you with certain services.

d. Objection to Processing:

  • You have the right to object to the processing of your personal information in certain circumstances, including where we process your data for direct marketing purposes or based on our legitimate interests.

e. Lodging Complaints:

  • If you believe that we have violated your privacy rights, you have the right to lodge a complaint with the relevant data protection authority in your jurisdiction.

 

11. Contact Us

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

Wagner, Livock & Associates Financial Services Inc.
2-379 Queen Street South, Kitchener, Ontario, N2G 2W6
WLA@wagnerlivock.com
(519) 570-4633