Privacy Policy

Information We Collect

Personal Information You Provide

When you interact with Zolcord, you might share information with us directly. This happens when you fill out forms, create an account, or contact our support team. We're talking about:

• Your name and email address when you sign up for our services
• Phone numbers if you choose to provide them for account verification
• Mailing address details when relevant to service delivery in Canada
• Financial preferences and family investing goals you share with us
• Communication history when you reach out for support or guidance
• Survey responses and feedback you voluntarily submit

Information Collected Automatically

Like most websites, ours gathers some technical information automatically. This helps us understand how people use our platform and where we can make improvements:

• Device information including browser type and operating system
• IP address and general location data (city and province level)
• Pages you visit and how long you spend on different sections
• Referring websites that brought you to Zolcord
• Time and date stamps of your visits and actions

How We Use Your Information

We don't collect information just to have it sitting around. Everything we gather serves a specific purpose related to providing and improving our family investing services:

• Creating and managing your account with appropriate security measures
• Delivering the educational content and tools you've requested
• Sending important updates about your account or changes to our services
• Responding to your questions and providing customer support
• Personalizing your experience based on your stated financial goals
• Analyzing usage patterns to improve our platform's functionality
• Detecting and preventing fraudulent activity or security threats
• Complying with legal obligations under Canadian financial regulations

We occasionally send educational content and updates about features that might interest you. You can opt out of these messages anytime through your account settings or by clicking unsubscribe in any email.

Information Sharing and Disclosure

We're not in the business of selling your data. Your information stays with us except in these specific situations:

Service Providers

Some trusted third parties help us run our platform smoothly. These include hosting providers, payment processors, and analytics services. They only access information needed to perform their specific functions and are contractually obligated to protect your data.

Legal Requirements

We may disclose information when required by Canadian law, court orders, or government regulations. This also applies if we need to protect our rights, prevent fraud, or address security issues.

Business Transfers

If Zolcord merges with another company or gets acquired, your information would transfer to the new entity. We'd notify you before this happens and explain any changes to how your data gets handled.

Data Storage and Security

Protecting your information matters to us. We store data on secure servers located in Canada, using encryption both in transit and at rest. Our security measures include:

• Industry-standard SSL/TLS encryption for all data transmission
• Regular security audits and vulnerability assessments
• Restricted access controls limiting who can view your information
• Secure backup systems to prevent data loss
• Employee training on data protection best practices
• Monitoring systems to detect unauthorized access attempts

No system is completely foolproof, but we stay current with security standards and respond quickly to any potential threats. If a data breach affects your information, we'll notify you and relevant authorities as required by Canadian law.

Your Rights and Choices

Canadian privacy laws give you several rights regarding your personal information. Here's what you can do and how to exercise these rights:

To exercise any of these rights, email us at support@zolcord.vip with your request. We'll respond within 30 days, as required under Canadian privacy legislation. You'll need to verify your identity before we can process certain requests.

Managing Your Preferences

Your account dashboard lets you update communication preferences, modify personal details, and control what information you share with us. You can also close your account entirely, though some information may be retained for legal or legitimate business purposes.

Data Retention

We don't keep your information forever. How long we retain data depends on why we collected it and any legal requirements we need to meet:

When retention periods expire, we securely delete or anonymize your information so it can't be linked back to you. Some aggregated, non-identifiable data may be kept indefinitely for statistical analysis.

Children's Privacy

Zolcord focuses on family investing, but our services are designed for adults. We don't knowingly collect personal information from children under 13. If you're a parent and believe your child has provided us with personal information, contact us immediately and we'll delete it.

Parents often use our platform to plan for their children's financial futures. That's different from collecting information directly from kids. When you share information about your family's goals, you're responsible for deciding what's appropriate to include.

International Data Transfers

We primarily store and process data within Canada. Some service providers we work with may have servers in other countries, including the United States. When we transfer information internationally, we ensure appropriate safeguards are in place through:

• Standard contractual clauses approved for international transfers
• Verification that receiving countries have adequate privacy protections
• Additional security measures for sensitive financial information
• Regular audits of third-party data handling practices

By using Zolcord's services, you consent to these transfers under the protections described above.

Changes to This Policy

We review and update this privacy policy periodically to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you through email or a prominent notice on our website at least 30 days before the changes take effect.

The "Effective Date" at the top of this page shows when the current version was published. We encourage you to review this policy occasionally to stay informed about how we protect your information.

Continuing to use Zolcord after changes take effect means you accept the updated policy. If you disagree with modifications, you can close your account before they become effective.

Canadian Privacy Law Compliance

Zolcord complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. We follow the ten privacy principles outlined in PIPEDA, including accountability, identifying purposes, consent, limiting collection, and safeguarding personal information.

If you have concerns about how we handle your personal information, you can file a complaint with the Office of the Privacy Commissioner of Canada. We prefer to resolve issues directly, so please contact us first and we'll work with you to address your concerns.