CognitiveGridNet ("we," "us," or "our") operates cognitivegridnet.com and provides financial analysis services to businesses making critical decisions. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

We are committed to protecting your privacy and complying with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy legislation.

We collect information you provide directly to us and information we gather automatically when you interact with our services.

We use collected information to provide, maintain, and improve our financial analysis services. Here's how we put your data to work:

• Delivering customized financial analysis and business decision support
• Processing transactions and managing your account securely
• Communicating about services, updates, and relevant business insights
• Improving our platform based on usage patterns and feedback
• Ensuring security and preventing fraudulent activity
• Complying with legal obligations and regulatory requirements
• Conducting research to enhance our analytical capabilities

We process your personal information based on legitimate business interests, contractual necessity, legal compliance, and your consent where required by law.

We don't sell your personal information to third parties. We may share information in these specific circumstances:

• Service Providers: Trusted partners who help deliver our services, including cloud storage, payment processing, and customer support
• Legal Requirements: When required by law, court order, or government request
• Business Protection: To protect our rights, property, or safety, or that of our users
• Business Transfers: In connection with mergers, acquisitions, or asset sales, with proper notification
• With Consent: When you explicitly agree to sharing for specific purposes

All third-party service providers are contractually bound to protect your information and use it only for specified purposes.

Under Canadian privacy laws, you have several important rights regarding your personal information:

To exercise these rights, contact us using the information provided below. We'll respond within 30 days and may require identity verification to protect your privacy.

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

While we use reasonable security measures, no system is completely secure. We encourage you to protect your account credentials and notify us immediately of any suspected unauthorized access.

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, and resolve disputes.

• Account Information: Retained while your account is active and for up to 7 years after closure for business records
• Financial Data: Maintained according to applicable financial record-keeping requirements, typically 7 years
• Communication Records: Kept for up to 3 years for customer service and quality purposes
• Usage Data: Aggregated and anonymized data may be retained indefinitely for analytical purposes

When retention periods expire, we securely delete or anonymize personal information in accordance with our data governance policies.

Your personal information may be transferred to and processed in countries other than Canada, including the United States, where our service providers operate. These transfers are governed by appropriate safeguards including:

• Contractual clauses ensuring adequate protection standards
• Certification under recognized privacy frameworks
• Implementation of technical and organizational security measures
• Regular compliance monitoring and auditing

We ensure that international transfers comply with Canadian privacy laws and provide adequate protection for your personal information.

We use cookies and similar technologies to enhance your experience, analyze usage patterns, and provide personalized services. You can control cookie settings through your browser preferences.

• Essential Cookies: Required for basic website functionality and security
• Analytics Cookies: Help us understand how visitors interact with our website
• Functional Cookies: Enable enhanced features and personalization
• Third-Party Cookies: Used by trusted partners for analytics and service delivery

Disabling certain cookies may limit your ability to use some website features.

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes, we will:

• Post the updated policy on our website with a new effective date
• Notify existing users via email or account notifications
• Provide a clear summary of significant changes
• Allow a reasonable transition period where applicable

We encourage you to review this policy regularly to stay informed about how we protect your information.