1. Introduction

At InvestSmartHub, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our investment guidance services.

This policy complies with the General Data Protection Regulation (GDPR) and applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact information (name, email address, phone number)
• Demographic information (age, location, investment experience level)
• Financial information (investment goals, risk tolerance, portfolio preferences)
• Communication preferences and subscription settings

2.2 Technical Information

We automatically collect certain technical information when you visit our website:

• IP address and browser information
• Device type and operating system
• Pages visited and time spent on our website
• Referral sources and search terms used
• Cookies and similar tracking technologies

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing personalized investment insights and recommendations
• Sending newsletters and market updates you've subscribed to
• Improving our website functionality and user experience
• Responding to your inquiries and providing customer support
• Analyzing website usage to enhance our content and services
• Complying with legal obligations and regulatory requirements

4. Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your browsing experience:

4.1 Types of Cookies

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand how visitors interact with our site
• Preference Cookies: Remember your settings and preferences
• Marketing Cookies: Used to deliver relevant content and advertisements

You can control cookie settings through your browser preferences. However, disabling certain cookies may affect website functionality.

5. Third-Party Analytics

We use third-party analytics services to better understand our website performance:

• Google Analytics: Tracks website usage and visitor behavior
• Social Media Analytics: Measures engagement on our social platforms
• Email Analytics: Monitors newsletter open rates and click-through rates

These services may collect information about your online activities across different websites. You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

6. Data Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• With your explicit consent
• To comply with legal obligations or court orders
• To protect our rights, property, or safety
• With trusted service providers who assist in operating our website
• In connection with a business transfer or merger

7. Your Rights Under GDPR

If you are located in the European Union, you have the following rights regarding your personal data:

• Right of Access: Request copies of your personal data
• Right to Rectification: Request correction of inaccurate information
• Right to Erasure: Request deletion of your personal data
• Right to Restrict Processing: Request limitation of data processing
• Right to Data Portability: Request transfer of your data
• Right to Object: Object to processing of your personal data
• Right to Withdraw Consent: Withdraw consent at any time

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• SSL encryption for data transmission
• Secure servers with regular security updates
• Access controls and authentication procedures
• Regular security audits and monitoring
• Employee training on data protection practices

9. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy:

• Account information: Until account deletion or 3 years of inactivity
• Newsletter subscriptions: Until you unsubscribe
• Analytics data: Aggregated data retained for up to 26 months
• Legal compliance: As required by applicable laws

10. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place for international transfers, including:

• Adequacy decisions by the European Commission
• Standard contractual clauses
• Binding corporate rules
• Certification schemes and codes of conduct

11. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child, we will take steps to delete such information promptly.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by:

• Posting the updated policy on our website
• Sending an email notification to registered users
• Displaying a prominent notice on our homepage

Your continued use of our services after any changes indicates your acceptance of the updated policy.

13. Contact Information

If you have any questions about this Privacy Policy or wish to exercise your rights, please contact us:

14. Data Protection Officer

For GDPR-related inquiries, you may contact our Data Protection Officer: