Privacy Policy

Introduction & Scope

This Privacy Policy describes how Nbg Financial Advisory Canada Inc., doing business as NBG Financial, collects, uses, processes, discloses, and safeguards personal information obtained through our website at https://www.nbgfinancial.lol, as well as through any related services, communications, and business interactions. This policy applies to all visitors, users, clients, and prospective clients who interact with our digital properties or engage our professional services.

NBG Financial is a computer systems design and advisory firm based in Canada, operating within the Professional, Scientific, and Technical Services sector. We take the responsibility of handling personal information seriously. This document outlines our practices in plain language so that you can make informed decisions about the information you share with us.

By accessing our website or using our services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with any part of this policy, please discontinue use of our website and services. For questions regarding this policy, you may contact us using the information provided at the end of this document.

Information We Collect

We collect several categories of information, depending on how you interact with us. The types of personal information we may collect include the following:

Information You Provide Directly

• Contact Information: When you fill out our contact form, send us an email, or call our office, we collect your full name, email address, phone number, company name, job title, and any message content you provide. This information is used solely to respond to your inquiry and initiate a business relationship where appropriate.
• Project & Business Details: If you engage us for a consulting or systems design project, we may collect detailed information about your organization's technical environment, operational requirements, existing infrastructure, and business objectives. This information is essential for us to deliver our professional services effectively.
• Newsletter & Marketing Preferences: If you subscribe to our updates or request whitepapers, we collect your email address and communication preferences. You may unsubscribe at any time using the link provided in every communication.
• Employment Applications: If you apply for a position with NBG Financial, we collect your resume, cover letter, employment history, educational background, and professional references. This information is used exclusively for recruitment purposes.

Information Collected Automatically

• Log Data: Our servers automatically record information when you visit our website. This includes your Internet Protocol address, browser type and version, operating system, referring URLs, pages visited, time and date of access, and time spent on each page. This data helps us understand how visitors use our site and identify technical issues.
• Device Information: We may collect information about the device you use to access our website, including device type, screen resolution, language settings, and unique device identifiers. This assists in optimizing the display and functionality of our website across different platforms.
• Usage Patterns: We analyze aggregated navigation paths, click patterns, scroll depth, and interaction with page elements to improve website usability and content relevance. This data is pseudonymized and cannot be used to identify individual visitors in isolation.

Information from Third Parties

We may receive supplementary information about you from publicly available sources, business databases, professional networking platforms, and industry directories. This information helps us better understand the organizations we serve and ensures our communications remain relevant. We may also receive referral information from existing clients or business partners who believe our services may benefit you.

How We Use Information

NBG Financial uses collected information for the following purposes, all of which are directly related to our business operations and service delivery:

• Service Delivery: To provide, maintain, and improve our computer systems design, integration, and advisory services. This includes client onboarding, requirements analysis, solution architecture, implementation support, and post-engagement follow-up.
• Communication: To respond to inquiries, provide requested information, send service-related notifications, and maintain ongoing correspondence with clients and partners. We may also send occasional informational content relevant to your industry or expressed interests.
• Business Operations: To manage billing, invoicing, contract administration, internal record-keeping, and compliance with legal obligations. This includes maintaining accurate business records as required by Canadian law.
• Website Improvement: To analyze how visitors interact with our website, identify areas for improvement, measure the effectiveness of our content, and enhance the user experience. All analytics data is aggregated and anonymized where possible.
• Legal Compliance: To comply with applicable laws, regulations, legal processes, and enforceable governmental requests. This includes responding to court orders, cooperating with regulatory investigations, and defending our legal rights.
• Security & Fraud Prevention: To detect, prevent, and address technical security issues, unauthorized access attempts, fraudulent activity, and violations of our policies or terms of service.

We do not use personal information for automated decision-making or profiling that produces legal or similarly significant effects. We do not sell, rent, or trade personal information to third parties for their marketing purposes.

Legal Basis for Processing

Under applicable data protection laws, including the Personal Information Protection and Electronic Documents Act of Canada and the General Data Protection Regulation where applicable, we rely on the following legal bases for processing personal information:

• Consent: Where you have given clear, informed, and freely given consent for us to process your personal information for a specific purpose. You may withdraw consent at any time, subject to legal or contractual restrictions.
• Contractual Necessity: Where processing is necessary for the performance of a contract with you or to take steps at your request before entering into a contract, such as preparing a service proposal or statement of work.
• Legitimate Interests: Where processing is necessary for our legitimate business interests or those of a third party, provided your fundamental rights and freedoms do not override those interests. This includes improving our services, ensuring network security, and conducting business analytics.
• Legal Obligation: Where processing is necessary for compliance with a legal obligation to which we are subject, such as tax reporting requirements or responding to lawful information requests from public authorities.

Disclosure of Information

We may share personal information with the following categories of recipients, under strict confidentiality obligations and only to the extent necessary:

• Service Providers: Trusted third-party vendors who perform services on our behalf, including website hosting, email delivery, analytics, cloud infrastructure, and payment processing. These providers are contractually bound to safeguard your information and use it only as instructed by us.
• Professional Advisors: Our legal counsel, accountants, auditors, and insurance providers, where access to information is necessary for the provision of their professional services to NBG Financial.
• Business Transfers: In connection with any merger, acquisition, reorganization, sale of assets, or similar transaction, your information may be transferred as a business asset. We will notify you before your information becomes subject to a different privacy policy.
• Legal Authorities: When required by law, court order, subpoena, or governmental regulation, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to a government request.

We require all third parties to respect the security of personal data and to treat it in accordance with applicable law. We do not permit our service providers to use personal data for their own purposes and only allow them to process personal data for specified purposes in accordance with our instructions.

International Data Transfers

NBG Financial is headquartered in Canada, and our primary data processing activities occur within Canadian borders. However, certain service providers may process data in other jurisdictions, including the United States and the European Union. When we transfer personal information across international borders, we implement appropriate safeguards to ensure that your information receives an adequate level of protection as required by applicable data protection laws.

These safeguards may include entering into data processing agreements that incorporate standard contractual clauses approved by relevant regulatory authorities, verifying that the recipient country has been deemed to provide adequate protection, or relying on your explicit consent for specific transfers. If you would like more information about the specific safeguards applied to your data, please contact us using the details below.

Data Retention

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law. Our retention periods are determined by the following criteria:

• The duration of our business relationship with you, including any active engagement, contract, or ongoing communication
• Legal obligations that require us to retain records for specified periods, such as tax and accounting requirements under Canadian law
• The existence of any pending or threatened legal proceedings for which the information may be relevant
• The time required to resolve any disputes, enforce our agreements, or address technical issues

When personal information is no longer needed, we securely delete, destroy, or anonymize it using industry-standard methods. Anonymized data may be retained indefinitely for analytical and statistical purposes, as it can no longer be associated with an identifiable individual.

Security Measures

NBG Financial implements and maintains technical, administrative, and physical security measures designed to protect personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit using Transport Layer Security protocols and encryption of sensitive data at rest
• Role-based access controls that limit data access to authorized personnel who require it for legitimate business purposes
• Regular security assessments, vulnerability scanning, and penetration testing conducted by qualified professionals
• Secure facility access controls, including monitored alarm systems and restricted physical access to server infrastructure
• Employee training programs covering data protection obligations, security best practices, and incident response procedures
• Comprehensive incident response and breach notification procedures in compliance with applicable breach reporting requirements

While we strive to protect personal information using commercially reasonable safeguards, no method of electronic storage or transmission over the Internet is completely secure. We cannot guarantee absolute security, but we continuously monitor and improve our security posture as threats and technology evolve.

Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and understand where our visitors come from. Cookies are small text files placed on your device that help us recognize you when you return to our site.

We use the following categories of cookies:

• Essential Cookies: Required for the website to function properly. These cookies enable core functionality such as security, network management, and accessibility. You may disable these by changing your browser settings, but this may affect how the website functions.
• Analytics Cookies: Help us understand how visitors interact with our website by collecting and reporting information anonymously. We use this data to improve site structure, navigation, and content quality.
• Functional Cookies: Allow the website to remember choices you make, such as language preferences, and provide enhanced, more personalized features.

Most web browsers allow you to control cookies through their settings preferences. You can set your browser to refuse cookies, delete existing cookies, or alert you when cookies are being sent. Please note that disabling cookies may affect the functionality of certain parts of our website. For detailed guidance on managing cookies, consult your browser documentation.

Your Rights & Choices

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Right to Access: You may request a copy of the personal information we hold about you, along with information about how we process it.
• Right to Rectification: You may request that we correct or update any inaccurate or incomplete personal information we hold about you.
• Right to Erasure: In certain circumstances, you may request that we delete your personal information from our systems.
• Right to Restrict Processing: You may request that we limit the processing of your personal information under specific conditions.
• Right to Data Portability: You may request a copy of your personal information in a structured, machine-readable format for transfer to another organization.
• Right to Object: You may object to the processing of your personal information for direct marketing purposes or where processing is based on legitimate interests.
• Right to Withdraw Consent: Where processing is based on your consent, you may withdraw that consent at any time without affecting the lawfulness of processing that occurred before withdrawal.

To exercise any of these rights, please contact us using the information provided in the Contact Information section below. We will respond to your request within the timeframe required by applicable law, typically within 30 days. We may need to verify your identity before processing your request. You also have the right to lodge a complaint with your local data protection supervisory authority if you believe your rights have been violated.

Children's Privacy

Our website and services are not directed to individuals under the age of 16. We do not knowingly collect, use, or disclose personal information from children. If we become aware that we have inadvertently collected personal information from a child under 16 without verifiable parental consent, we will take prompt steps to delete that information from our records. If you believe that a child under 16 has provided us with personal information, please contact us immediately so that we can take appropriate action.

Third-Party Services

Our website may contain links to third-party websites, plugins, and applications that are not owned or controlled by NBG Financial. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy practices.

When you leave our website, we encourage you to read the privacy policy of every website you visit. This Privacy Policy applies solely to information collected by NBG Financial through our website and services. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other operational reasons. When we make material changes, we will post the updated policy on this page with a revised Last updated date at the top. We may also notify you through other means, such as a notice on our website or via email, if the changes are significant. We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our website or services after any changes constitutes your acceptance of the updated policy.

Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out to us through any of the channels listed above. We are committed to working with you to obtain a fair resolution of any complaint or concern about privacy. If, however, you believe that we have not been able to assist with your complaint or concern, you have the right to make a complaint to the Office of the Privacy Commissioner of Canada or your local data protection authority.