Privacy Policy

Scope

1. This Privacy Policy describes the practices of Financial Convergence (“Financial Convergence”, “we”, “our” or “us”) regarding the collection, use, and disclosure of Personal Information (as defined below) of online visitors or members of our web sites, online resources, and mobile applications. This Policy describes (i) the types of Personal Information collected (ii) the manner of collection, (iii) the purposes of the collection, (iv) its disclosure and/or transfer, (v) the measures we take to protect the security of Personal Information and (vi) your rights regarding Personal Information. This Policy does not apply to information which does not qualify as Personal Information.
2. This Policy does not apply to the collection, use, and disclosure of Personal Information by third-parties, where Financial Convergence does not have any control over the collection of Personal Information or their privacy practices.
3. Except for legal and regulatory requirements applicable to Financial Convergence and for the Purposes outlined in Section 8, Financial Convergence, its employees and service providers do not have access to any Personal Information.
4. By “Personal Information” we mean, except to the extent provided by applicable law, any information about an individual that allows such individual to be identified. Personal Information may include but is not limited to the first name, last name, address, telephone number, date of birth, and email address.
5. Financial Convergence is committed to privacy and the protection of Personal Information and to complying with applicable Personal Information and privacy laws and regulations.

Collection of Personal Information

    6. Financial Convergence may collect the following types of Personal Information:

• name, postal address, email address, telephone number, date of birth
• information relating to professional skills, credentials and experiences

    7. Personal Information may be collected in the following manner:

• when contacting us or communicating with us via the telephone, by mail, email or facsimile regarding one of our products, services, websites or online initiatives
• online while visiting one of our websites or online initiatives
• online via one of our online websites or online initiatives in data forms and/or fields queries
• when using one of our electronic or mobile devices, application or tools
• when submitting your resume to us for employment purposes

Purposes

    8. Personal Information may be collected and used for the following purposes (the “Purposes”):

• to respond to your inquiries on our products or services
• occasionally, as permitted by applicable laws and regulations or if you have given us your consent, to communicate with you (via phone, mail, email or online) about our products and services
• to fulfil registration in one of our websites or online resources
• to enable us to create your profile, customize and personalize the content, tools and resources available to you as a member of one of our websites, online resources or mobile devices, applications or tools
• to permit us to improve our products, services, websites, online resources, mobile devices, applications or tools
• to allow us to enhance the quality of our services
• to allow us to assess your employment application

   9. Information may be consolidated and aggregated in an anonymous manner in order to generate statistics in relation to our products, services, websites, online resources, mobile devices, applications or tools or for reporting purposes to government authorities.

   10. Any other collection and use of your Personal Information will be solely with your consent, for the purposes disclosed to you at the time of collection, or as permitted or required by law and regulations. Only the amount of Personal Information necessary to fulfill the intended Purposes is collected and/or retained.

Information we Share

    11. We do not disclose Personal Information except as described herein, unless otherwise authorized and required by applicable law or relevant Court proceedings. We may disclose Personal Information to regulatory and governmental authorities for the Purposes outlined above. Where Personal Information is disclosed, only the amount of Personal Information necessary to fulfill the intended Purposes is disclosed.

   12. Personal Information about you will be accessible only to authorized employees of Financial Convergence and/or of its affiliates who need to have access to the Personal Information in order to perform their duties in relation to the Purposes.

   13. Financial Convergence may retain agents, consultants and/or suppliers (collectively “third-party service providers”) to assist and support our business and services. These third-party service providers may have access to Personal Information within the scope of the Purposes if it is required for the performance of their services. When we transfer or provide access to Personal Information to third party service providers, we contractually require that such providers put in place adequate security measures to protect Personal Information against unauthorized access and disclosure, including requiring that they respect this Privacy Policy and be responsible for the security of the Personal Information disclosed.

  14. Your Personal Information may be consolidated, aggregated and rendered anonymous for internal research or reporting to governmental authorities purposes and disclosed to third parties as such (i.e. in an unidentifiable manner).

  15. The collection, use, and disclosure of information contemplated in this Policy may involve a transfer of the information to jurisdictions located outside your country of residence that may not have equivalent laws and rules regarding Personal Information. The reasonable contractual other measures we may take to protect Personal Information while processed or handled by these third parties are subject to applicable foreign legal requirements, for example lawful requirements to disclose Personal Information to government authorities in those countries.

  16. We reserve the right to transfer any Personal Information we have about you in connection with the sale or transfer of all or a portion of our business or assets or rights relating thereto. In such case, we will do our best efforts to obtain guarantees that your Personal Information will continue to be protected as per the applicable personal information and privacy laws and regulations.

Records Retention

  17. Financial Convergence will only retain Personal Information as long as needed to fulfill the relevant Purposes. The Personal Information will be held primarily in an electronic database located on our premises or those of our service providers. The file containing your Personal Information will be made available to the authorized employees, third-party service providers of Financial Convergence and/or its affiliates who need to access the information in connection with the Purposes.

Security

  18. We maintain appropriate administrative, technical and physical safeguards and use appropriate commercially reasonable efforts to protect Personal Information against accidental or unlawful destruction, accidental loss, unauthorized alteration, unauthorized disclosure or access, misuse, and all other unlawful forms of processing of the Personal Information in our possession.

Personal Information Data Breach

  19. In the event of a Personal Information data breach that Financial Convergence has determined to pose a “real risk of significant harm” to any individual or institution, Financial Convergence has in place a procedure that involves (a) notifying the Office of the Privacy Commissioner about the breach, (b) notifying those individuals and institutions affected by the breach, (c) notifying any organizations that Financial Convergence has determined could help mitigate any harm resulting from the breach and (d) conducting an investigation as to the cause of the breach and insuring further risk to any Personal Information has been mitigated.

Your Rights

  20. You have certain rights to access and rectify your Personal Information; in order to exercise this right, or if you have any questions, comments or concerns about this Privacy Policy, to contact us about withdrawing consent to our use or disclosure of Personal Information or to obtain information on our practices relating to the use of foreign service providers, you may contact us at support@Financial Convergence.finance. If the Personal Information collected is incorrect, inaccurate or outdated, we will correct such information within a reasonable period of time.

  21. You have the right to request the deletion of any of your Personal Information stored by Financial Convergence. Such requests can be made to Financial Convergence by contacting us at support@Financial Convergence.finance. Financial Convergence will comply with your request within a reasonable period of time once we have reasonably verified your identity. During the processing of such a request, Financial Convergence will ensure that your Personal Information will be removed from any Financial Convergence database that contains the information, such as our customer relationship database and website databases. However, due to securities laws, Financial Convergence must continue to maintain some information.

  22. Financial Convergence respects and observes the provisions set forth in the applicable federal or state legislation regulating the protection of Personal Information in the private sector. To the extent there is additional protection afforded to an individual pursuant to such applicable privacy legislation, and same is not set forth herein, Financial Convergence agrees to take such measures to give full effect to such additional protection. Financial Convergence reserves the right to modify this Privacy Policy at any time.

  23. You have the right to opt-out of any marketing-related communications sent by Financial Convergence at any time. A link to "unsubscribe: from future marketing-related communications will be provided in each of our marketing-related email communications. Additionally, opt-out requests may be emailed to support@Financial Convergence.finance. All such requests will be processed within a reasonable period of time.

Cookie Policy

  24. Cookies are tiny files stored on your computer, created when you visit a website, that provides a website the ability to help improve your browsing experience. This section will explain how and why Financial Convergence, and any third-party services we use, use cookies as part of our website and how these cookies will affect your experience on our website(s). For a more detailed explanation on cookies, we recommend you read the following Wikipedia article on HTTP Cookies.

  25. Financial Convergence uses cookies to help improve a user’s browsing experience in the following ways:

1. Financial Convergence creates a cookie when you visit our website and are prompted with our cookie-policy message. We use this cookie to track your choice (accept or decline) so that for subsequent re-visits to our website, you are no longer prompted for the same choice. Without this cookie, you will always be prompted with our cookie-policy prompt.
2. Financial Convergence creates a cookie when you log into our website with a valid username or password. This cookie is used to track the fact that you are logged in and ensures that as you navigate and browse through our website – you continue to remain logged in throughout your browsing session. Without this cookie, you will not be able to use the website as a logged in user.

  26. It is possible to disable cookies on your bowser via your browser’s settings, which will prevent our website or any third-party service we use from creating or using cookies. However, disabling cookies will significantly impact the use and experience of our website(s) and you will not be able to use any of our member-only services. We recommend that you DO NOT disable cookies.

  27. Financial Convergence also uses third-party services that will create cookies on behalf of Financial Convergence:

1. Financial Convergence uses website analytics services that helps track, anonymously, your browsing activity on our website. Such tracking involves, but is not limited to, information such as: the duration of time you spent visiting a page, the number of times you have visited a page, how many pages you have visited during your browsing session, as well as information such as your browser and geographical location. Financial Convergence uses this information to help improve your browsing experience by determining which of our pages are performing well and which are not via the collected metrics. We then use this information to implement new features and content.
2. Financial Convergence uses a third-party service for our newsletter service. This third-party service uses a cookie to track if you have already signed-up for a newsletter to ensure that you are not re-registering if you have already done so previously.
3. Financial Convergence uses a third-party service to provide a live-chat support service on our website. This chat support service allows you to contact a member of the Financial Convergence staff and have a live conversation with them if they are online and available. If no Financial Convergence staff member is available, you are then allowed to leave a message which will automatically be sent as a notification for a Financial Convergence staff member to contact you at a later time. A cookie is used to help track your usage of this service and allow you to return back to our website and continue with any previous conversation(s) you may have had.