Information We Collect

moriltharven collects several types of information to provide you with our budget investing platform services. This includes information you provide directly, data we gather automatically through your use of our platform, and information from third-party sources when necessary for service delivery.

How We Use Your Information

Your personal information serves specific purposes related to providing investment services and maintaining regulatory compliance. We process your data based on legitimate business interests, contractual obligations, and legal requirements under Canadian law.

• Account Management: Creating and maintaining your investment account, processing transactions, and providing customer support services.
• Regulatory Compliance: Meeting requirements under Canadian securities regulations, anti-money laundering laws, and know-your-customer obligations.
• Service Improvement: Analyzing platform usage to enhance user experience, develop new features, and optimize investment tools.
• Communication: Sending account updates, transaction confirmations, educational content, and important service announcements.
• Risk Management: Monitoring for fraud, unauthorized access, and ensuring the security of your financial information.
• Legal Obligations: Responding to court orders, regulatory inquiries, and other lawful requests from authorities.

Information Sharing and Disclosure

moriltharven follows strict protocols when sharing your personal information. We never sell your data to third parties for marketing purposes. Information sharing occurs only when necessary for service delivery, regulatory compliance, or with your explicit consent.

Service Providers: We work with trusted financial institutions, payment processors, and technology vendors who help deliver our services. These partners are bound by contractual agreements to protect your information and use it solely for specified purposes.

Regulatory Bodies: Canadian financial regulators, including provincial securities commissions and FINTRAC, may require access to your information as part of their oversight responsibilities.

Legal Requirements: We may disclose information when required by Canadian law, court orders, or to protect the rights and safety of moriltharven, our users, or the public.

Data Security and Protection

Your financial information receives bank-level security protection through multiple layers of safeguards. We employ encryption, secure data centers, and strict access controls to prevent unauthorized access, modification, or disclosure of your personal information.

• 256-bit SSL encryption for all data transmission between your device and our servers
• Multi-factor authentication options to secure account access
• Regular security audits and penetration testing by independent cybersecurity firms
• Employee background checks and ongoing security training programs
• Secure data centers located in Canada with 24/7 monitoring and access controls
• Automated fraud detection systems that monitor for suspicious account activity

Despite these measures, no system is completely secure. We encourage you to use strong passwords, enable two-factor authentication, and report any suspicious account activity immediately.

Your Privacy Rights

Under Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), you have specific rights regarding your personal information held by moriltharven.

• Access Right: Request a copy of the personal information we hold about you, including how it's being used and who it's shared with.
• Correction Right: Ask us to correct inaccurate or incomplete personal information in your account or our records.
• Withdrawal of Consent: Withdraw consent for certain data processing activities, though this may limit our ability to provide some services.
• Complaint Right: File a complaint with the Privacy Commissioner of Canada if you believe we've mishandled your personal information.
• Data Portability: Request your personal information in a structured, commonly used format for transfer to another service provider.

To exercise these rights, contact our Privacy Officer using the information provided below. We'll respond to your request within 30 days and may need to verify your identity before processing certain requests.

Data Retention and Deletion

moriltharven retains your personal information only as long as necessary to fulfill the purposes for which it was collected, meet legal obligations, and resolve disputes. Retention periods vary based on the type of information and applicable regulations.

Account Information: Maintained for the duration of your account relationship plus seven years after account closure, as required by Canadian securities regulations.

Transaction Records: Kept for seven years following the transaction date to comply with financial reporting requirements and potential audit needs.

Communication Records: Stored for three years from the date of communication unless longer retention is required for legal or regulatory purposes.

When information is no longer needed, we securely delete or anonymize it using industry-standard data destruction methods. Some information may be retained in backup systems for up to 90 additional days before permanent deletion.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your experience, maintain security, and analyze usage patterns. You can control cookie settings through your browser, though disabling certain cookies may affect platform functionality.

• Essential Cookies: Required for basic platform operation, security, and maintaining your logged-in status during sessions.
• Analytics Cookies: Help us understand how users interact with our platform to improve features and performance.
• Preference Cookies: Remember your settings and customization choices for a personalized experience.
• Third-Party Cookies: Limited to essential service providers and never used for advertising or marketing purposes.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. Material changes will be communicated through email notification and prominent notice on our platform at least 30 days before taking effect.

Continued use of moriltharven services after policy changes constitutes acceptance of the updated terms. We encourage you to review this policy regularly and contact us with any questions about how changes might affect your personal information.