Introduction
AR360 — Finance, operated by InnovE-Tech Solutions, is committed to protecting the privacy of its users and handling their personal data in a transparent and responsible manner. This privacy policy explains how we collect, use, and protect your information in accordance with applicable laws, including Quebec’s Law 25 on the protection of persons concerning the processing of personal data, the Personal Information Protection and Electronic Documents Act (PIPEDA) in Canada, as well as the General Data Protection Regulation (GDPR) for residents of the European Union.
We firmly believe that transparency in personal data processing is essential to maintaining the trust of our readers. This policy aims to inform you about your rights and how your data is used when you visit our website.
Data Controller
The controller of personal data processing is InnovE-Tech Solutions, a company located in Quebec, Canada. For any questions regarding your personal data or to exercise your rights under applicable laws, you may contact us by email at privacy@finance.affilreviews360.com.
We commit to responding to all requests within the timeframes prescribed by applicable law and providing clear explanations regarding the processing of your personal data.
Data We Collect
We collect different types of data depending on your interaction with our website, strictly in compliance with privacy protection laws:
- Technical data: When browsing our website, we may collect certain anonymized technical information, including your partially masked IP address, browser type used, operating system, pages visited, and consultation duration. This data is collected through web analytics tools compliant with data protection requirements.
- Contact form data: If you choose to send us an email through our contact form, we collect your email address and the content of your message. This information is used exclusively to respond to your request.
- Comment data: If our platform allows comments on our articles, you may choose to leave a pseudonym and an email address. This email address will not be published publicly, but may be used to contact you regarding your comment.
- Cookies and trackers: Our website uses cookies and other tracking technologies to improve user experience. For more details, please consult our separate cookie policy.
It is important to note that we do not collect any banking data or sensitive financial information. Any interaction with a neobank or financial service occurs directly on these institutions’ servers, never on our own systems.
Processing Purposes
The personal data we process is used for the following purposes:
- Audience measurement: We use analytics tools to understand how users navigate our website, which enables us to improve the quality of our content and overall experience.
- Responding to requests: Information collected through our contact forms is used to answer questions asked and provide required assistance.
- Comment moderation: Data related to comments is used to moderate contributions and maintain a respectful environment.
- Tracking affiliated account openings: We anonymously count account openings made through our affiliate links without ever accessing users’ personal or financial details.
Legal Basis for Processing
The processing of your personal data relies on the following legal bases:
- Legitimate interest: For anonymized audience measurement and service improvement, we act based on our legitimate interest to optimize user experience.
- Consent: For non-essential cookies, we obtain your explicit consent in accordance with legal requirements.
- Service execution: The processing of received emails and comments is based on executing the service requested by the user.
We always ensure that processing your data is justified by a valid legal basis under applicable laws.
Retention Period
We retain your personal data only as long as necessary to achieve the pursued purposes, in accordance with applicable legal obligations:
- Anonymized analytical data: This data is retained for a maximum period of 14 months from collection.
- Contact emails: Messages received through our contact forms are retained for a maximum of 3 years.
- Comments: Published comments are retained as long as the comment remains visible on our site.
Upon expiration of these periods, data is deleted or anonymized as appropriate.
Your Rights
Under data protection laws, you have several rights regarding your personal data:
- Right of access: You have the right to request knowledge of the personal data we hold about you.
- Right to rectification: You may request correction of any inaccurate or incomplete information.
- Right to erasure: You may request deletion of your personal data in certain circumstances.
- Right to portability: You have the right to receive data you have provided to us in a structured, commonly used, and machine-readable format.
- Right to object: You may object to processing of your data in certain situations, particularly for reasons related to your particular situation.
To exercise these rights, please contact us at privacy@finance.affilreviews360.com. We commit to responding to your request within a reasonable timeframe, generally within 30 days of receiving your request.
If you reside in Quebec, you also have the right to file a complaint with the Commission d’accès à l’information du Québec. If you reside in the European Union, you may file a complaint with the CNIL or the competent data protection authority.
Main Subcontractors
We rely on certain subcontractors to help us provide our services. These companies process your data only according to our instructions and in compliance with this privacy policy:
- Hostinger: Web hosting provider located in Cyprus, responsible for hosting our website.
- Google Analytics or equivalent: Audience measurement tool that processes anonymized data to help us understand website usage. Data is processed in the United States and automatically anonymized.
- Cloudflare: Content delivery network (CDN) service located in the United States, used to improve our site’s performance and security.
- Affiliate platforms: Services that help us track affiliated account openings anonymously, located in various jurisdictions depending on established partnerships.
All our subcontractors are required to respect adequate data protection measures and not use your information for purposes other than those specified in their contracts with us.
Cross-Border Transfer
Personal data may be transferred and processed outside Quebec and Canada by certain of our subcontractors, notably in the United States, Europe, or Asia. When such transfers occur, we ensure that recipients offer sufficient guarantees to protect your data according to applicable protection standards.
Data protection laws may vary according to jurisdiction. We take measures to ensure your rights are respected regardless of where your data is processed, requiring appropriate contractual clauses with our international subcontractors.
Policy Modifications
We reserve the right to modify this privacy policy at any time to reflect changes in our processing practices or to comply with legal requirements. Any substantial modifications will be published on this page with a clear indication of the update date.
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If you have questions regarding this privacy policy or the processing of your personal data, please contact us at privacy@finance.affilreviews360.com.
This website is operated by InnovE-Tech Solutions, [To be completed], and is subject to applicable Quebec and Canadian laws. This site is neither a broker nor a registered financial advisor with the AMF (AMF — Quebec’s financial markets authority). Published content is for informational purposes only and does not constitute personalized financial advice. Consult a registered financial advisor before making important financial decisions. For complaints regarding financial services, contact the AMF at 1-877-525-0337 or visit lautorite.qc.ca.