marquenovira - Financial Recovery Solutions for Your Future

Introduction and Scope

This Privacy Policy explains how marquenovira ("we," "us," or "our") collects, uses, discloses, and protects your personal information when you visit our website at marquenovira.world, use our financial recovery services, or interact with us in any capacity. We're committed to transparency about our data practices and your rights under Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

By accessing our website or using our services, you acknowledge that you have read and understood this Privacy Policy. If you disagree with any part of this policy, please do not use our services or provide us with your personal information.

Information We Collect

We collect various types of information to provide and improve our financial recovery services. The information we gather falls into several categories, each serving specific purposes for delivering our services effectively.

1

Personal Identification Information: This includes your full name, email address, phone number, residential address, date of birth, and government-issued identification numbers when necessary for identity verification and service provision.

2

Financial Information: We may collect details about your income, debts, credit history, bank account information, and other financial circumstances relevant to developing your recovery strategy.

3

Technical Data: When you visit our website, we automatically collect IP addresses, browser types, device information, operating systems, and usage patterns through cookies and similar technologies.

4

Communication Records: We maintain records of all communications between you and our team, including emails, phone calls, chat transcripts, and any documents you provide.

How We Use Your Information

Your personal information serves multiple purposes in delivering our financial recovery services. We use this data responsibly and only for legitimate business purposes that align with our service offerings and your expectations as our client.

Purpose	Data Types Used	Legal Basis
Service Delivery	Personal, Financial	Contract Performance
Identity Verification	Identification, Contact	Legal Compliance
Communication	Contact Information	Legitimate Interest
Website Analytics	Technical Data	Legitimate Interest

We analyze your financial situation to create personalized recovery strategies, communicate with creditors on your behalf when authorized, provide ongoing support and guidance, and ensure compliance with relevant financial regulations. Additionally, we use aggregated, anonymized data to improve our services and develop new offerings that better serve our clients' needs.

Data Sharing and Disclosure

We maintain strict controls over how your personal information is shared. We never sell your data to third parties for marketing purposes. However, there are specific circumstances where we may need to share your information to provide our services effectively or comply with legal requirements.

Important: We only share your information with your explicit consent or when legally required to do so. All third parties we work with are bound by confidentiality agreements and must meet our data protection standards.

A

Service Providers: We may share information with trusted vendors who assist in delivering our services, such as secure document storage providers, communication platforms, or financial analysis tools.

B

Legal Requirements: We may disclose information when required by law, court orders, government investigations, or to protect our rights and the safety of our clients.

C

Financial Institutions: With your authorization, we may communicate with your creditors, banks, or other financial institutions as part of your recovery strategy.

Your Privacy Rights

Under Canadian privacy legislation, you have several important rights regarding your personal information. We respect these rights and have established procedures to help you exercise them effectively. Understanding these rights empowers you to maintain control over your personal data.

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Access Right: You can request a copy of all personal information we hold about you. We'll provide this information within 30 days of your request, subject to any legal restrictions.

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Correction Right: If you believe any information we hold about you is inaccurate or incomplete, you can request corrections. We'll update your information promptly upon verification.

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Withdrawal of Consent: Where we rely on your consent to process information, you can withdraw that consent at any time. This may affect our ability to provide certain services.

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Complaint Right: If you're concerned about how we handle your information, you can file a complaint with the Office of the Privacy Commissioner of Canada or your provincial privacy authority.

Data Security and Protection

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security framework includes both technical and administrative safeguards designed to maintain the confidentiality and integrity of your data.

All sensitive data is encrypted both in transit and at rest using industry-standard encryption protocols. We maintain secure servers with restricted access, conduct regular security audits, and train our staff on data protection best practices. Access to your information is limited to authorized personnel who need it to perform their job functions, and all access is logged and monitored.

Despite our robust security measures, no system is completely immune to security threats. In the unlikely event of a data breach that poses a real risk of significant harm, we will notify affected individuals and relevant authorities as required by law, typically within 72 hours of discovering the breach.

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal requirements, and resolve any disputes. Our retention periods vary depending on the type of information and the legal requirements applicable to our industry.

Information Type	Retention Period	Reason
Client Files	7 years after service completion	Legal and regulatory requirements
Financial Records	7 years	Tax and audit requirements
Communication Records	3 years	Service quality and disputes
Website Analytics	26 months	Performance optimization

When retention periods expire, we securely delete or anonymize your information using industry-standard data destruction methods. You may request early deletion of your information, though we may need to retain certain records to comply with legal obligations.

Cookies and Website Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze website performance, and provide personalized content. Cookies are small text files stored on your device that help us remember your preferences and improve our services.

We use essential cookies that are necessary for website functionality, analytics cookies that help us understand how visitors use our site, and functional cookies that remember your preferences. You can control cookie settings through your browser, though disabling certain cookies may affect website functionality.

International Data Transfers

While we primarily store and process your information within Canada, some of our service providers may be located in other countries with different privacy laws. When we transfer information internationally, we ensure appropriate safeguards are in place to protect your privacy rights.

Any international transfers comply with Canadian privacy law requirements and include contractual protections that require recipients to provide equivalent privacy protection. We regularly review our international service providers to ensure ongoing compliance with privacy standards.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make significant changes, we'll notify you through email or a prominent notice on our website at least 30 days before the changes take effect.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. The "Last Updated" date at the top of this policy indicates when it was most recently revised. Continued use of our services after policy changes constitutes acceptance of the updated terms.

Privacy Policy