Privacy Policy

1. Introduction

Mnk Wealth Management Services Limited, operating under the trading name MNK Wealth (hereinafter referred to as MNK Wealth, we, us, or our), is committed to protecting the privacy and security of personal information entrusted to us by our clients, website visitors, and business partners. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with our website at mnkwealth.mom or engage our wealth management services.

MNK Wealth is a Canadian wealth management firm headquartered in Mississauga, Ontario, providing investment portfolio management, retirement planning, tax and estate planning, corporate services, insurance and risk management, and financial planning services to clients across Canada. This policy applies to all personal information collected through our website, client consultations, telephone communications, email correspondence, and electronic transactions.

By using our website or engaging our services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described herein, please refrain from providing your personal information or using our services.

2. Information We Collect

We collect various types of information depending on the nature of your relationship with us. This information falls into the following categories:

Contact Information: Your full name, email address, telephone number, home address, and date of birth. This information is collected when you fill out our contact form, request a consultation, open an account, or engage our advisory services.

Financial Information: Detailed financial data including income, assets, liabilities, investment holdings, bank account information, tax returns, pension statements, insurance policies, estate planning documents, and other financial information necessary to provide comprehensive wealth management advice.

Identification Information: Government-issued identification such as passports, drivers licenses, and Social Insurance Numbers required for account opening, compliance with anti-money laundering regulations, and tax reporting obligations under Canadian law.

Technical Information: When you visit our website, we automatically collect technical data including your IP address, browser type, operating system, referring URLs, pages viewed, and access times through cookies and similar tracking technologies.

Communication Records: Records of communications with us including emails, telephone calls, video conference meetings, and in-person consultation notes maintained for service continuity, compliance, and quality assurance purposes.

3. How We Use Your Information

MNK Wealth uses your information for the following purposes:

• To provide wealth management, financial planning, and investment advisory services under our client agreements.
• To process and respond to inquiries submitted through our website or direct communications.
• To develop financial plans, investment recommendations, and insurance needs analyses.
• To execute trades, rebalance portfolios, and manage client accounts in accordance with investment mandates.
• To comply with regulatory obligations including anti-money laundering verification, securities reporting, and tax filing requirements.
• To communicate with clients regarding portfolio performance, market updates, and service announcements.
• To improve our website, tools, and service offerings through data analysis.
• To detect and prevent fraud, unauthorised transactions, and security incidents.
• To send marketing communications subject to your consent and opt-out preferences.
• To maintain accurate client records for ongoing service delivery and historical reference.

4. Data Sharing and Disclosure

MNK Wealth does not sell, trade, or rent your personal information to third parties. We may share your information as follows:

Custodians and Brokerage Partners: Investment account assets are held at qualified Canadian custodians. We share necessary information with these institutions to facilitate account administration, trade settlement, and reporting.

Professional Advisors: With your written authorization, we coordinate with your accountant, lawyer, insurance advisor, or other professional advisors to ensure integrated service delivery.

Service Providers: We engage third-party service providers including technology platforms, document management systems, and compliance software. These providers are contractually bound to protect your information.

Regulatory and Legal: We may disclose information when required by law, regulatory authority, court order, or as necessary to protect our legal rights.

Business Transfers: In the event of a merger, acquisition, or sale of assets, client information may be transferred to the acquiring entity subject to equivalent privacy protections.

5. Cookies and Tracking Technologies

Our website uses cookies and similar technologies. Essential cookies are necessary for basic website functionality. Analytics cookies help us understand how visitors use our site to improve our content and user experience. Functional cookies remember your preferences for enhanced personalisation.

You can manage cookies through your browser settings. Disabling certain cookies may affect website functionality. We do not use cookies to track your browsing activity across unrelated websites.

6. Data Security

We implement comprehensive security measures to protect your personal information:

• Encryption of data in transit using TLS 1.2 or higher protocols.
• Secure data storage in access-controlled facilities with multi-factor authentication.
• Role-based access controls limiting employee access to information on a need-to-know basis.
• Regular security training for all team members.
• Annual security assessments and vulnerability testing.
• Secure destruction of information when no longer required.
• Cyber liability insurance and incident response protocols.
• Confidentiality agreements for all employees and contractors.

While we employ robust security measures, no electronic storage or transmission is completely secure. We encourage clients to take precautions when transmitting sensitive information.

7. Data Retention

We retain personal information for as long as necessary to fulfil the purposes for which it was collected or as required by law. Client records are typically retained for seven years following the end of our client relationship, in accordance with securities regulatory requirements and applicable limitation periods. Website analytics data is retained for up to two years. We securely delete or anonymise information when it is no longer required.

8. Your Rights and Choices

Under applicable Canadian privacy legislation, including PIPEDA, you have the following rights:

• Right to access the personal information we hold about you.
• Right to correct inaccurate or incomplete information.
• Right to withdraw consent for collection, use, or disclosure, subject to legal or contractual restrictions.
• Right to request deletion of information no longer necessary for its purpose.
• Right to restrict processing in certain circumstances.
• Right to data portability in a structured, commonly used format.

To exercise these rights, contact our Privacy Officer using the details in Section 13. We will respond within 30 days. If unsatisfied, you may file a complaint with the Office of the Privacy Commissioner of Canada.

9. Childrens Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If we become aware that a minor has provided us with personal information, we will promptly delete it.

10. Third-Party Links

Our website may contain links to third-party websites including financial institutions, regulatory bodies, and professional organisations. We are not responsible for the privacy practices of these websites and encourage you to review their privacy policies.

11. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. Material changes will be posted on this page with an updated date. We encourage periodic review of this policy.

12. Governing Law

This Privacy Policy is governed by the laws of Ontario and Canada. Any disputes shall be resolved in Ontario courts. By using our services, you consent to the transfer of your information to Canada and application of Canadian privacy laws.

13. Contact Us

For questions or requests regarding this Privacy Policy, please contact our Privacy Officer:

This Privacy Policy was developed by MNK Wealth, a Canadian wealth management firm providing financial advisory services to clients across Canada since 2011.