What Information We Collect

We collect different types of information depending on how you interact with Uilcord. Some you give us directly, other bits we gather automatically to make the service work better.

Information You Provide

When you create an account or contact us, you share:

• Basic details like your name and email address
• Account credentials (we encrypt passwords—we never see them in plain text)
• Payment information when you subscribe to premium features
• Investment preferences and calendar settings you configure
• Messages you send through our contact forms or support channels

Information We Collect Automatically

Like most online services, we automatically gather some technical data:

• Device information (browser type, operating system, screen resolution)
• IP addresses and general location data (city/province level, not precise GPS)
• How you navigate through our site—which pages you visit, features you use
• Calendar interactions and notification preferences
• Performance data to help us fix bugs and improve loading times

How We Use Your Information

We're not in the business of selling data. Here's what we actually do with the information we collect:

We might also use aggregated, anonymized data for research and reporting—but in those cases, the information can't be traced back to you individually.

Sharing and Disclosure

We don't hand over your personal information to random third parties. When we do share data, it's for specific reasons:

Service Providers

We work with trusted companies that help us run Uilcord—payment processors, email services, cloud hosting providers. These partners can only use your data to perform their specific tasks, and they're contractually required to protect it.

Legal Requirements

Sometimes we have to disclose information to comply with Canadian law, respond to legal processes, or protect someone's safety. We'll push back on overly broad requests, but we follow legitimate legal requirements.

Business Transfers

If Uilcord gets acquired or merges with another company (unlikely, but possible), your information would transfer to the new entity. We'd notify you beforehand if this happens.

Your Privacy Rights

Under Canadian privacy law (and just common decency), you have significant control over your information. Here's what you can do:

• Access: Request a copy of the personal data we hold about you. We'll provide it in a readable format within 30 days.
• Correction: Update inaccurate information directly in your account settings, or ask us to fix it.
• Deletion: Request that we delete your account and associated data. Some information might need to be retained for legal or security reasons, but we'll remove everything else.
• Portability: Get your data in a machine-readable format to transfer to another service.
• Opt-Out: Unsubscribe from marketing emails (though we'll still send essential service notifications).
• Withdraw Consent: Change your mind about data processing activities based on consent—though this might limit some features.

To exercise these rights, email us at help@uilcord.vip with your request. We'll verify your identity (to prevent unauthorized access) and respond within 30 days.

Data Security and Storage

We take security seriously—after all, you're trusting us with financial planning information. Here's how we protect your data:

• Industry-standard encryption for data in transit (TLS 1.3) and at rest (AES-256)
• Regular security audits and vulnerability testing
• Strict access controls—only authorized personnel can view personal information
• Secure Canadian and US-based data centers with physical and digital safeguards
• Automated backups stored in separate locations for disaster recovery

That said, no system is completely foolproof. We do our best, but you should also take precautions—use strong passwords, enable two-factor authentication if available, and don't share your login credentials.

Data Retention

We keep your information only as long as necessary:

• Active account data: retained while your account exists
• Billing records: kept for seven years per Canadian tax law requirements
• Support communications: maintained for three years
• Usage analytics: aggregated after 18 months (no longer personally identifiable)

When you close your account, we delete most personal data within 90 days, though some records must be retained for legal compliance.

International Data Transfers

Our primary servers are in Canada, but some service providers operate from the United States. When data crosses borders, we ensure proper safeguards through:

• Standard contractual clauses approved by privacy authorities
• Data processing agreements that meet Canadian privacy standards
• Regular compliance reviews of international partners

Your data stays protected by Canadian privacy principles regardless of where it's temporarily stored or processed.

Children's Privacy

Uilcord isn't designed for users under 18. We don't knowingly collect information from minors. If you're a parent who discovers your child has created an account, contact us and we'll promptly delete it.

Changes to This Policy

We might update this policy occasionally as our services evolve or regulations change. When we make significant changes, we'll notify you by email or through a prominent notice on the site. The "Last Updated" date at the top will always reflect the most recent version.

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

Contact and Complaints

We're here to answer questions and address concerns about how we handle your information. Reach out through any of these channels:

• Email: help@uilcord.vip
• Phone: +1 604-503-1256
• Mail: Uilcord Privacy Team, 832 Fairview Rd, Penticton, BC V2A 5Y8, Canada

If you're not satisfied with how we've addressed your privacy concern, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.