Privacy Policy
Last Updated: 2024 | Jurisdiction: Ottawa, Ontario, Canada
Welcome to Morvorin. We are committed to protecting your privacy and ensuring the security of your personal information while providing expert analysis of Canadian pension plans, including the Canada Pension Plan (CPP), Old Age Security (OAS), and alternative investment strategies. This Privacy Policy outlines how we collect, use, and safeguard your data in compliance with Canadian federal and provincial laws.
1. Data Controller & Operator
The entity responsible for your personal data (the "Controller") is Morvorin, operating from Ottawa, Ontario. We adhere to the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, the Ontario Freedom of Information and Protection of Privacy Act (FIPPA).
Address: 150 Metcalfe St, Ottawa, ON K2P 1P1
Email:
Phone: +1 (508) 205-1788
2. Personal Data Collection
In the course of providing pension analysis and financial insights, we may collect the following categories of information:
- Identity Data: Full name, date of birth (to calculate OAS/CPP eligibility), and employment status.
- Contact Data: Email address, telephone number, and residential address in Ottawa or elsewhere in Canada.
- Financial Profile Data: Voluntary information regarding your current retirement savings, projected CPP contributions, and TFSA/RRSP balances.
- Technical Data: IP address, browser type, time zone settings, and operating system collected via cookies.
- Usage Data: Information about how you use our website, including the specific pension models or articles you access.
3. Legal Basis for Processing
Under Canadian law (PIPEDA), we process your data based on:
- Consent: When you voluntarily provide information via our contact forms or pension calculators.
- Contractual Necessity: To provide the specific analysis or reports you have requested.
- Legitimate Interest: To improve our analytical tools and ensure the security of our digital infrastructure.
- Legal Obligation: To comply with Canadian tax or financial reporting regulations if applicable.
4. How We Use Your Data
Morvorin utilizes your personal information to:
- Generate personalized reports on Canada Pension Plan (CPP) and Old Age Security (OAS) benefits.
- Evaluate the stability of private pension integration with federal plans.
- Send updates regarding changes in Canadian retirement legislation.
- Optimize website performance and user experience for residents of Ottawa and surrounding regions.
5. Storage & Retention
We retain your personal data only for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Generally, financial inquiry data is kept for a period of 7 years in accordance with Canadian tax audit guidelines.
6. Disclosures to Third Parties
Morvorin does not sell your personal data. We may share data with trusted service providers (e.g., cloud hosting in Canada, email distribution platforms) who are contractually bound to protect your information. We may also disclose data if required by the Canada Revenue Agency (CRA) or other legal authorities in Ottawa.
7. Your Rights Under PIPEDA
As a data subject in Canada, you have the following rights:
- Right of Access: You can request a copy of the personal data we hold about you.
- Right to Rectification: You can ask us to correct inaccurate or incomplete data.
- Right to Withdraw Consent: You may withdraw your consent for data processing at any time.
- Right to Complain: You have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada (OPC).
8. Tracking & Cookies
Our website uses cookies to distinguish you from other users and to provide a seamless browsing experience. You can manage your cookie preferences through your browser settings or via our dedicated Cookie Policy.
Have questions about your data?
Our Privacy Officer in Ottawa is ready to assist you.