Privacy

WHY DOES BLACK RIVER WEALTH COLLECT PERSONAL INFORMATION?

Black River Wealth collects personal information for two reasons: to improve our website, its features and content; and, in order to provide our services, which may include, but is not limited to, administering financial assessments and questionnaires, or in making introductions to our network of independent professionals, such as portfolio management firms, insurance brokers, mortgage brokers, accounting firms, legal firms and any other service providers with which we do business.

WHAT DO WE DO WITH YOUR INFORMATION?

When you complete an assessment, questionnaire, transaction, or place an order for subscription, we collect the personal information you give us such as your name, address, phone number and email address.

As part of our services, we may also collect information such as your annual income, your net worth, your marital status, number of dependents, the value of your investments, your debt obligations and any additional information required to provide the services we have agreed to provide.

If you contact us with a comment, question or complaint by email, telephone, video call or online chat, you may be asked for information to identify yourself, along with additional information we need to answer your question or respond to your comment or complaint. We may retain this information to assist you in the future, as well as, to improve our customer service, our website and our services.

When you browse our site, we also automatically receive your computer’s internet protocol (IP) address in order to provide us with information that helps us learn about your browser and operating system.

We may use third parties to help us gather and analyze information about the areas you visit on the website, the time spent on webpages, and other statistical information to better understand, evaluate and improve the user experience and the convenience of our website.

With your permission, we may send you emails about our site, new services and other updates.

CONSENT

How do you get my consent?

When you provide us with personal information to complete an assessment, questionnaire, to complete a transaction, to verify your credit card, or place an order for subscription, we imply that you consent to our collecting it and using it for that specific reason only.

You may also be introduced to our services through a third-party, and that third-party may, upon your consent, provide us with your name, address, email address, and any other relevant information.

If we ask for your personal information for a secondary reason, like marketing, we will either ask you directly for your expressed consent, or provide you with an opportunity to say no.

How do I withdraw my consent?

If after you opt-in, you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use or disclosure of your information, at anytime, by contacting us at unsubscribe@blackriverwealth.com.

DISCLOSURE

Black River Wealth will not disclose, trade, rent, sell or otherwise transfer your personal information, without your consent.

Under certain circumstances, your personal information may be shared among Black River Wealth employees, and/or our network of independent professionals, and only on a “need to know” basis to fulfill the requirements of the service.

All employees are bound under the policies and procedures of Black River Wealth to maintain the confidentiality of your personal information and are available to address any questions or concerns you may have. Access to your information is restricted to authorized employees who have a legitimate business purpose for accessing it. Unauthorized access to and/or disclosure of client information by an employee of Black River Wealth is strictly prohibited. All employees are required to maintain the confidentiality of client information. In the event of an employee departure, they are bound by post-employment contractual obligations.

Black River Wealth engages independent third-party professional service providers such as portfolio management firms, insurance brokers, mortgage brokers, accounting and legal firms. We may at times, with your consent, disclose necessary personal information to these independent professionals so that they can provide their services.

We may disclose your personal information if we are required by law to do so or if you violate our Terms of Service.

THIRD-PARTY SERVICES

Black River Wealth uses the tools and solutions of third-party service providers to administer the DNA Discovery Process assessments (by DNA Behavior International) and for online collection of information for wealth planning purposes (by Razor Logic Systems Inc.).

When using the tools and solutions, your data is stored through DNA Behavior International and Razor Logic System Inc.’s respective data storage, databases and their general applications. For further information respecting their data collection, privacy practices and terms of use please see: Razor Logic Systems Inc.’s Privacy Policy and Behavior DNA International’s Privacy Policy.

In general, the third-party providers used by us will only collect, use and disclose your information to the extent necessary to allow them to perform the services they provide to us.

Other Links

When you click on links on our website, they may direct you away from our site. We are not responsible for the privacy practices of other sites and encourage you to read their privacy statements.

SECURITY

To protect your personal information, we take reasonable precautions and follow industry best practices to make sure it is not inappropriately lost, misused, accessed, disclosed, altered or destroyed.

Our staff is trained to keep your personal information private and confidential. Departing employees are made aware that they remain contractually obligated to respect the privacy of your personal information.

We will make any legally required disclosures of any breach of the security, confidentiality or integrity of your personal information in the most expedient time possible, considering the legitimate needs of law enforcement or any measures necessary to determine the scope of the breach and restore the integrity of our data systems.

COOKIES

We use “cookies” to collect information. A cookie is a small text file that is placed on your hard disk by a web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you. You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of our website or other websites you visit.

AGE OF CONSENT

By using this site, you represent that you are at least the age of majority in your province of residence, or that you are the age of majority in your province of residence and you have given us your consent to allow any of your minor dependents to use this site.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to modify this privacy policy at any time, so please review it frequently. Changes and clarifications will take effect immediately upon their posting on the website. If we make material changes to this policy, we will notify you here that it has been updated, so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

If Black River Wealth Ltd. is acquired or merged with another company, your information may be transferred to the new owners so that we may continue to provide services to you.

QUESTIONS AND CONTACT INFORMATION

If you would like to: access, correct, amend or delete any personal information we have about you, register a complaint, or simply want more information, contact our Privacy Officer at privacy@blackriverwealth.com.