Privacy Policy

1. Introduction

Digital Wealth Management Inc. ("DWM", "we", "us", or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our platform at digitalwealthmanagement.ca and the client portal at app.digitalwealthmanagement.ca.

By accessing or using our services, you agree to the collection and use of information in accordance with this policy. If you do not agree with the terms of this policy, please discontinue use of our services.

2. Information We Collect

We may collect the following categories of information:

• Identity Information: Full name, date of birth, government-issued identification, and other information required for Know Your Customer (KYC) verification.
• Contact Information: Email address, phone number, and mailing address.
• Financial Information: Bitcoin wallet addresses, transaction history, loan balances, and related financial data.
• Account Information: Username, password (hashed), account preferences, and activity logs.
• Technical Information: IP address, browser type, device identifiers, and usage data collected automatically when you use our platform.

3. How We Use Your Information

We use the information we collect to:

• Provide, operate, and maintain our Bitcoin custody and lending services.
• Verify your identity and comply with applicable KYC/AML obligations.
• Process transactions and manage your account.
• Communicate with you about your account, service updates, and support.
• Comply with legal and regulatory obligations under Canadian law.
• Detect, prevent, and address fraud and security incidents.
• Improve and develop our platform and services.

4. Sharing Your Information

We do not sell, trade, or rent your personal information to third parties. We may share your information only in the following circumstances:

• Service Providers: With trusted third-party vendors who assist us in operating our platform (e.g., cloud hosting, authentication providers), subject to confidentiality obligations.
• Legal Requirements: When required by law, regulation, court order, or governmental authority, including applicable Canadian financial regulations.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, provided that the acquiring party agrees to protect your information under equivalent terms.
• With Your Consent: In any other circumstances where you have provided explicit consent.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, and for such additional periods as required by applicable law, including anti-money laundering regulations which may require retention of records for a minimum of five (5) years following the end of a business relationship.

6. Security

We implement industry-standard technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encrypted data transmission (TLS), secure cold storage of Bitcoin assets, and access controls. However, no method of transmission over the internet or electronic storage is 100% secure.

7. Your Rights

Under applicable Canadian privacy law (PIPEDA), you have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Withdraw consent to certain processing (subject to legal and contractual restrictions).
• Lodge a complaint with the Office of the Privacy Commissioner of Canada.

To exercise any of these rights, please contact us at privacy@digitalwealthmanagement.ca.

8. Cookies

We use essential cookies to maintain your authenticated session on the platform. We do not use third-party advertising or tracking cookies. You may disable cookies in your browser settings; however, doing so may prevent you from accessing certain features of our services.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of our services after any changes constitutes your acceptance of the revised policy.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us at: