Privacy Policy
Your privacy matters to us
Last updated: January 15, 2025
Introduction
quilixente ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our digital banking security platform and related services.
This policy complies with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. By using our services, you consent to the data practices described in this policy.
Information We Collect
Personal Information
We collect information that identifies, relates to, or could reasonably be linked with you or your household. This includes:
- Contact information (name, email address, phone number, mailing address)
- Account credentials and authentication details
- Financial information necessary for banking security services
- Government-issued identification numbers when required by law
- Employment and income information for verification purposes
Technical Information
Our systems automatically collect certain technical data to provide secure banking services:
- IP addresses, browser types, and device identifiers
- Security logs and access patterns for fraud prevention
- Location data when accessing our mobile applications
- Transaction metadata and usage analytics
How We Use Your Information
We use your personal information for specific business purposes related to digital banking security:
Primary Uses: Account management, transaction processing, identity verification, fraud detection, customer support, and regulatory compliance.
| Purpose | Legal Basis | Data Types Used |
|---|---|---|
| Account Services | Contract Performance | Contact info, credentials, financial data |
| Security Monitoring | Legitimate Interest | Technical data, access logs, location |
| Regulatory Compliance | Legal Obligation | Identity verification, transaction records |
| Customer Support | Contract Performance | Contact info, account details, communication records |
Information Sharing and Disclosure
We do not sell, rent, or trade your personal information. We may share your information in these specific circumstances:
Service Providers
We work with third-party service providers who assist us in delivering secure banking services. These providers are contractually bound to protect your information and can only use it for specified purposes.
Legal Requirements
We may disclose information when required by Canadian law, including:
- Compliance with court orders or regulatory requests
- Cooperation with law enforcement investigations
- Meeting anti-money laundering and know-your-customer obligations
- Reporting suspicious activities as required by FINTRAC
Business Transfers
In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the business transaction. You will be notified of any such change in ownership or control.
Data Security and Protection
We implement comprehensive security measures to protect your personal information:
Encryption: All sensitive data is encrypted both in transit and at rest using industry-standard protocols including AES-256 encryption and TLS 1.3 for data transmission.
Technical Safeguards
- Multi-factor authentication for all account access
- Regular security audits and penetration testing
- Automated fraud detection and prevention systems
- Secure data centers with physical access controls
- Employee background checks and security training
Despite our security measures, no system is completely secure. We encourage you to use strong passwords and report any suspicious account activity immediately.
Your Privacy Rights
Under Canadian privacy law, you have several rights regarding your personal information:
Access and Correction
You can request access to your personal information and ask us to correct any inaccuracies. We will respond to such requests within 30 days of receipt.
Withdrawal of Consent
You may withdraw your consent for certain uses of your information, though this may affect our ability to provide services. Some information collection is necessary for legal compliance and cannot be opted out of.
Data Portability
You can request a copy of your personal information in a structured, commonly used format. This allows you to transfer your data to other service providers when technically feasible.
Complaint Process
If you have concerns about how we handle your personal information, you can file a complaint with our privacy officer or contact the Office of the Privacy Commissioner of Canada.
Data Retention and Deletion
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy and to meet legal requirements.
| Data Type | Retention Period | Deletion Process |
|---|---|---|
| Account Information | 7 years after account closure | Secure deletion from all systems |
| Transaction Records | 7 years per Canadian banking regulations | Archived then permanently destroyed |
| Marketing Communications | Until opt-out or 3 years inactive | Immediate removal from active lists |
| Security Logs | 2 years for fraud prevention | Automated deletion after retention period |
Some information may be retained longer if required by law or for legitimate business purposes such as dispute resolution.
International Data Transfers
Your personal information is primarily stored and processed in Canada. In some cases, we may transfer data to trusted service providers in other countries that have adequate privacy protections.
When international transfers occur, we ensure appropriate safeguards are in place through:
- Contractual protections that meet Canadian privacy standards
- Due diligence on foreign jurisdiction privacy laws
- Regular audits of international service providers
- Data minimization to limit cross-border transfers
Cookies and Tracking Technologies
Our website and mobile applications use cookies and similar technologies to enhance your experience and maintain security.
Types of Cookies We Use
- Essential Cookies: Required for basic site functionality and security
- Performance Cookies: Help us understand how you use our services
- Preference Cookies: Remember your settings and choices
You can control cookie settings through your browser, but disabling certain cookies may affect site functionality.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes through:
- Email notification to your registered address
- Prominent notices on our website and mobile app
- In-app notifications for significant policy changes
Continued use of our services after policy changes constitutes acceptance of the updated terms. We encourage you to review this policy regularly.
Privacy Questions and Contact Information
For questions about this Privacy Policy or your personal information, contact our Privacy Officer:
Address: 35626 Eagle View Place, Abbotsford, BC V3G 0C8, Canada
Email: help@quilixente.world
Phone: +1 (250) 385-5407
We will respond to your privacy inquiries within 30 days of receipt.