Privacy Policy

1. Introduction

Journey Financial ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and protect your information when you visit our website at travell-journeyy.com or use our financial planning services.

We are governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation in Canada.

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact information (name, email address, phone number, mailing address)
• Financial information (income, assets, investment goals, risk tolerance)
• Identification information (Social Insurance Number, date of birth)
• Employment information (employer, occupation, employment history)
• Family information (marital status, dependents, beneficiaries)

2.2 Automatically Collected Information

When you visit our website, we automatically collect:

• IP address and location data
• Browser type and version
• Pages visited and time spent on our site
• Referring website information
• Device information

3. How We Use Your Information

We use your personal information for the following purposes:

• Providing financial planning and advisory services
• Assessing your financial needs and goals
• Communicating with you about our services
• Sending newsletters and educational content (with your consent)
• Complying with legal and regulatory requirements
• Improving our website and services
• Protecting against fraud and security threats

4. Information Sharing and Disclosure

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

• Service Providers: With trusted third-party service providers who assist us in operating our business
• Legal Requirements: When required by law, court order, or government regulation
• Business Transfers: In connection with a merger, acquisition, or sale of business assets
• Consent: With your explicit consent for specific purposes
• Protection: To protect our rights, property, or safety, or that of our clients or others

5. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure server infrastructure with regular security updates
• Access controls and authentication requirements
• Regular security assessments and monitoring
• Employee training on privacy and security practices

6. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience. We use:

• Essential Cookies: Necessary for website functionality and security
• Analytics Cookies: To understand how visitors use our website
• Marketing Cookies: To deliver relevant advertisements and measure campaign effectiveness

You can manage your cookie preferences through our cookie banner or by adjusting your browser settings.

7. Your Privacy Rights

Under Canadian privacy law, you have the right to:

• Access your personal information we hold
• Request correction of inaccurate or incomplete information
• Withdraw consent for certain uses of your information
• Request deletion of your personal information (subject to legal requirements)
• File a complaint with the Privacy Commissioner of Canada

To exercise these rights, please contact us using the information provided below.

8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Financial records are typically retained for seven years after the end of our client relationship, as required by regulatory authorities.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

10. 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 and updating the "Last updated" date.

11. Contact Information

If you have any questions about this Privacy Policy or how we handle your personal information, please contact us: