etherevitalion - Understanding Credit Made Simple | Credit Education & Financial Guidance

Information We Collect

At etherevitalion, we collect information that helps us provide you with better financial services and credit understanding tools. The information we gather falls into several categories, each serving specific purposes in delivering our services effectively.

Personal Information

Full name, email address, and phone number when you create an account
Mailing address and province of residence for service customization
Date of birth and employment information for identity verification
Social Insurance Number when required for credit reporting services
Banking information for account verification and financial assessments

Financial Information

We collect financial data to provide accurate credit assessments and personalized recommendations. This includes credit history, payment patterns, debt obligations, and income information when voluntarily provided. We also gather information about your financial goals and preferences to tailor our educational content.

Usage and Technical Data

Our systems automatically collect technical information including IP addresses, browser types, device information, and interaction patterns on our platform. This data helps us improve our services, ensure security, and provide technical support when needed.

How We Use Your Information

The information we collect serves multiple purposes, all focused on providing you with comprehensive financial services and credit education. We believe in transparency about how your data helps us serve you better.

Service Delivery

We use your personal and financial information to provide credit monitoring, generate personalized credit reports, offer financial education resources, and deliver customized recommendations for improving your financial health.

Processing account registrations and maintaining user profiles
Generating credit reports and monitoring credit score changes
Providing personalized financial education and credit improvement tips
Sending account notifications, alerts, and important service updates
Conducting identity verification and fraud prevention measures
Analyzing usage patterns to improve our platform and services
Complying with legal requirements and regulatory obligations

We also use aggregated, non-personal data to conduct research, develop new features, and create educational content that benefits our entire user community. This research helps us understand financial trends and improve our services for everyone.

Information Sharing and Disclosure

etherevitalion takes your privacy seriously and limits information sharing to specific circumstances that directly benefit our service delivery or fulfill legal requirements. We never sell your personal information to third parties for marketing purposes.

Service Providers

We share information with trusted partners who help us deliver our services, including credit bureaus for report generation, identity verification services, secure hosting providers, and customer support platforms. These partners are contractually bound to protect your information and can only use it for specified purposes.

Legal Requirements

We may disclose information when required by law, court order, or government request. This includes compliance with Canadian privacy laws, tax regulations, and anti-money laundering requirements. We also reserve the right to share information to protect our rights, prevent fraud, or ensure user safety.

Sharing Purpose	Information Shared	Recipient Type
Credit Reporting	Personal and financial data	Credit bureaus
Identity Verification	Name, address, date of birth	Verification services
Platform Hosting	Technical and usage data	Cloud providers
Legal Compliance	As required by law	Government agencies

Data Security and Protection

Protecting your information is one of our highest priorities. We employ multiple layers of security measures to safeguard your data from unauthorized access, alteration, or disclosure. Our security practices meet or exceed industry standards for financial services.

Technical Safeguards

All data transmission occurs over encrypted connections using TLS 1.2 or higher. We store sensitive information using advanced encryption methods and maintain secure data centers with restricted access controls and 24/7 monitoring.

End-to-end encryption for all data transmission and storage
Regular security audits and vulnerability assessments
Multi-factor authentication for account access
Secure data centers with physical and digital access controls
Regular staff training on privacy and security best practices
Incident response procedures for potential security breaches

While we implement robust security measures, we also encourage users to protect their accounts by using strong passwords, enabling two-factor authentication, and logging out of shared devices. If you notice any suspicious activity, please contact us immediately.

Your Rights and Choices

Canadian privacy laws grant you specific rights regarding your personal information. We respect these rights and have established clear procedures for exercising them. You maintain control over your data and can make informed decisions about how it's used.

Access and Correction

You have the right to access your personal information and request corrections if it's inaccurate or incomplete. You can review most of your information through your account dashboard or contact us for a comprehensive data report. We'll respond to access requests within 30 days.

Data Portability and Deletion

You can request a copy of your data in a portable format or ask us to delete your information, subject to legal retention requirements. Account deletion will remove your personal information from our active systems, though some data may be retained for legal compliance purposes.

Request access to all personal information we hold about you
Correct inaccurate or incomplete information in your profile
Download your data in a portable format
Request deletion of your account and associated data
Withdraw consent for optional data processing activities
Opt out of marketing communications while maintaining service notifications

Data Retention and International Transfers

We retain your information only as long as necessary to provide our services and comply with legal requirements. Different types of information have different retention periods based on their purpose and regulatory requirements.

Retention Periods

Account information is retained while your account is active and for seven years after closure to comply with financial regulations. Credit monitoring data is kept for the duration of your service plus three years for dispute resolution. Marketing preferences are maintained until you opt out or your account is deleted.

International Data Transfers

Some of our service providers may process data outside Canada, particularly for cloud hosting and technical support services. When this occurs, we ensure appropriate safeguards are in place and that your information receives protection equivalent to Canadian privacy standards.

Data Protection Measures

All international transfers are protected by contractual safeguards, encryption requirements, and regular compliance audits. We work only with providers who demonstrate strong privacy practices and commit to protecting Canadian users' data according to our standards.

Changes to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes, we'll notify you through your account email and provide a prominent notice on our website.

Minor updates, such as clarifications or contact information changes, may be made without advance notice. We encourage you to review this policy regularly to stay informed about how we protect your information. The current version will always be available on our website with the most recent update date clearly displayed.

If you disagree with any changes to this policy, you have the right to close your account. Continued use of our services after policy updates indicates your acceptance of the revised terms. We'll always strive to maintain the same high standards of privacy protection regardless of policy updates.

Privacy Policy