Privacy Policy

Your privacy matters to us. This comprehensive policy explains how mirathosvian collects, uses, and protects your personal information in accordance with Canadian privacy laws.

Effective Date: January 15, 2025

Information We Collect

mirathosvian collects various types of information to provide and improve our capital allocation platform services. We collect information you provide directly, information automatically collected through your use of our services, and information from third-party sources when legally permitted.

Personal Information Categories: We collect personal information that can identify you as an individual, including but not limited to contact details, financial information, and usage preferences.

Account Information: Name, email address, phone number, mailing address, and account credentials when you create an account with mirathosvian
Financial Data: Bank account details, investment preferences, risk tolerance assessments, and transaction history for our capital allocation services
Usage Information: Pages visited, features used, time spent on platform, device information, IP address, and browser type
Communication Records: Customer service interactions, chat logs, email correspondence, and feedback submitted through our platform
Identity Verification: Government-issued ID numbers, proof of address documents, and other verification materials as required by Canadian financial regulations
Marketing Preferences: Communication preferences, survey responses, and information about your interests in our educational programs

We collect this information through various means including direct interactions, automated technologies, and third-party integrations. All collection practices comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation in Canada.

How We Use Your Information

Your personal information enables us to deliver personalized capital allocation services, maintain account security, and comply with regulatory requirements. We process your data only for legitimate business purposes and with appropriate legal bases.

Primary Use Cases:

Service

Service Delivery: Process transactions, provide investment recommendations, maintain account functionality, and deliver personalized capital allocation strategies based on your risk profile and investment goals.

Security

Security & Compliance: Verify identity, prevent fraud, monitor for suspicious activities, comply with anti-money laundering regulations, and maintain audit trails as required by Canadian financial authorities.

Support

Customer Support: Respond to inquiries, troubleshoot technical issues, provide educational resources, and improve our service quality through feedback analysis and performance monitoring.

We also use aggregated, non-identifiable data for research purposes, platform improvements, and market analysis. This helps us better understand user needs and develop enhanced features for our capital allocation platform.

Legal Basis for Processing: Under Canadian privacy law, we process your information based on consent, contractual necessity, legal obligations, and legitimate business interests. You have the right to withdraw consent where applicable, though this may limit our ability to provide certain services.

Information Sharing and Disclosure

mirathosvian maintains strict controls over information sharing. We do not sell personal information to third parties and only share data when necessary for service delivery, legal compliance, or with your explicit consent.

Authorized Sharing Scenarios:

Service Providers

Trusted third-party vendors who provide technical infrastructure, payment processing, identity verification, and customer support services under strict confidentiality agreements.

Financial Institutions

Banks, credit unions, and investment partners involved in executing your capital allocation strategies, subject to financial industry privacy standards and regulatory oversight.

Regulatory Bodies

Canadian financial regulators, tax authorities, and law enforcement agencies when required by law, court order, or regulatory investigation.

Business Transfers

In the event of merger, acquisition, or sale of mirathosvian assets, personal information may be transferred to the acquiring entity with appropriate privacy protections.

All third-party relationships include contractual obligations to protect your privacy and use information only for specified purposes. We conduct regular audits of our partners to ensure compliance with our privacy standards and Canadian privacy legislation.

We may also share anonymized, aggregated data that cannot identify individuals for research, industry reporting, and statistical analysis purposes. Such sharing helps improve financial services industry practices while maintaining individual privacy.

Your Privacy Rights

Under Canadian privacy law, you have significant rights regarding your personal information. mirathosvian is committed to facilitating the exercise of these rights through clear processes and reasonable response timeframes.

Access Rights

Request access to personal information we hold about you, including how it's used, who it's shared with, and the source of the information. We'll provide this information within 30 days of verification.

Correction Rights

Request correction of inaccurate or incomplete personal information. We'll update your information promptly and notify relevant third parties when necessary for service continuity.

Withdrawal of Consent

Withdraw consent for certain data processing activities, though this may affect our ability to provide specific services. We'll explain any service limitations before processing your withdrawal.

Data Portability

Request your personal information in a structured, commonly used format for transfer to another service provider, where technically feasible and legally permitted.

Complaint Rights

File complaints about our privacy practices with the Privacy Commissioner of Canada or relevant provincial privacy commissioners if you believe your privacy rights have been violated.

Account Closure

Request account closure and data deletion, subject to legal retention requirements for financial records. We'll provide a clear timeline for the deletion process.

Exercising Your Rights: To exercise any of these rights, contact our Privacy Officer using the contact information below. We'll verify your identity before processing requests and respond within legally required timeframes. There's no charge for most requests, though excessive or repeated requests may incur reasonable administrative fees.

Data Security and Protection

mirathosvian implements comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework combines technical, administrative, and physical safeguards.

Technical Security Measures:

Encryption

End-to-end encryption for data transmission and AES-256 encryption for data at rest, ensuring your information remains protected during storage and transfer.

Access Controls

Multi-factor authentication, role-based access permissions, and regular access reviews to ensure only authorized personnel can access your information.

Network Security

Firewalls, intrusion detection systems, and regular security monitoring to protect against external threats and unauthorized access attempts.

Data Backup

Secure, encrypted backup systems with regular testing to ensure data recovery capabilities while maintaining confidentiality and integrity.

Our administrative safeguards include comprehensive employee training on privacy and security practices, background checks for personnel with access to sensitive information, and regular policy updates to address emerging threats.

Physical security measures protect our facilities and equipment through controlled access, security cameras, and secure disposal of physical documents containing personal information. We also conduct regular third-party security audits to validate our protection measures.

Incident Response: In the unlikely event of a security incident affecting personal information, we'll notify affected individuals and relevant authorities within timeframes required by Canadian privacy law. Our incident response plan includes immediate containment, thorough investigation, and remediation measures to prevent future occurrences.

Data Retention and Deletion

mirathosvian retains personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, and resolve disputes. Our retention periods vary based on information type and regulatory requirements.

Retention Schedule:

7 Years

Financial Records: Transaction histories, account statements, and tax-related documents are retained for seven years as required by Canadian financial regulations and tax law.

3 Years

Identity Verification: KYC documentation and identity verification records are retained for three years after account closure to comply with anti-money laundering requirements.

2 Years

Communication Records: Customer service interactions, email correspondence, and chat logs are retained for two years to support service quality and dispute resolution.

1 Year

Usage Data: Platform usage analytics, login records, and technical logs are retained for one year for system optimization and security monitoring purposes.

When retention periods expire, we securely delete or anonymize personal information unless continued retention is required by law or for legitimate business purposes such as ongoing legal proceedings.

You may request early deletion of your information in certain circumstances, though we may need to retain some data to comply with legal obligations. We'll explain any retention requirements when processing your deletion request.

International Data Transfers

While mirathosvian primarily processes data within Canada, some of our service providers may be located outside of Canada. When international transfers occur, we ensure appropriate safeguards protect your personal information.

Transfer Safeguards: International data transfers are protected through contractual arrangements that require recipients to maintain privacy standards equivalent to Canadian requirements. We also conduct due diligence on the privacy laws and practices in destination countries.

Our primary international partners are located in the United States and European Union, jurisdictions with established privacy frameworks. We maintain data processing agreements that include specific privacy obligations, security requirements, and breach notification procedures.

Before transferring your information internationally, we assess the necessity of such transfers and whether adequate protection can be maintained. You have the right to request information about international transfers of your personal data and the safeguards in place.

Cookies and Tracking Technologies

mirathosvian uses cookies and similar technologies to enhance your platform experience, analyze usage patterns, and provide personalized services. We provide clear information about these technologies and options for managing your preferences.

Essential cookies are necessary for basic platform functionality and cannot be disabled. These include authentication cookies, security tokens, and session management cookies that enable you to navigate our platform securely.

Optional cookies include analytics cookies that help us understand platform usage, preference cookies that remember your settings, and marketing cookies that personalize your experience. You can manage these cookie preferences through your browser settings or our cookie preference center.

Cookie Management: You can control cookie settings through your browser preferences or by contacting us directly. Disabling certain cookies may limit platform functionality, and we'll inform you of any service limitations when you adjust your preferences.

Updates to This Privacy Policy

mirathosvian may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. We'll notify users of significant changes through email, platform notifications, or website announcements.

Minor updates that don't materially affect your privacy rights may be posted on our website without individual notification. We encourage you to review this policy periodically to stay informed about how we protect your information.

If we make changes that materially affect how we collect, use, or share your personal information, we'll provide at least 30 days advance notice and may require your renewed consent for certain processing activities.

Policy Version: This privacy policy was last updated on January 15, 2025. Previous versions are available upon request for reference and comparison purposes.

Contact Information

If you have questions, concerns, or requests regarding this privacy policy or our privacy practices, please contact our Privacy Officer using the information below. We're committed to addressing your privacy inquiries promptly and thoroughly.

Privacy Officer Contact Details

mirathosvian Privacy Officer 189 Rang Saint-Régis
Saint-Roch-de-l'Achigan, QC J0K 3H0
Canada Phone: +1 (289) 813-0032 Email: privacy@mirathosvian.world General Inquiries: info@mirathosvian.world

When contacting us about privacy matters, please include your full name, account information (if applicable), and a detailed description of your inquiry or request. This helps us provide more efficient and accurate responses to your privacy concerns.

For urgent privacy matters or suspected security incidents involving your personal information, please contact us immediately by phone during business hours or send an email marked as urgent to our privacy team.