Privacy Policy

Information We Collect

At Kyltimos Derentex, we collect various types of information to provide you with personalized financial planning services. The information we gather helps us understand your financial goals and create tailored strategies for your unique situation.

Personal Information

Technical Information

When you visit our website or use our digital services, we automatically collect certain technical information. This includes your IP address, browser type, operating system, and device information. We also track how you interact with our website through cookies and similar technologies to improve your user experience.

How We Use Your Information

Your information is used exclusively to provide and improve our financial planning services. We analyze your financial data to create comprehensive financial plans, investment recommendations, and retirement strategies tailored to your specific needs and goals.

Information Sharing and Disclosure

We understand that your financial information is highly sensitive, and we take great care in how we handle and share this data. Kyltimos Derentex does not sell, rent, or trade your personal information to third parties for marketing purposes.

Authorized Third Parties

We may share your information with trusted service providers who assist us in delivering our financial services. These partners include custodial institutions, clearing houses, and technology providers who help maintain our systems. All third parties are contractually bound to protect your information and use it only for authorized purposes.

Legal Requirements

There are circumstances where we're legally required to disclose your information. This includes responding to court orders, regulatory investigations, or when we have reason to believe disclosure is necessary to protect our rights or the safety of our clients. We will always notify you of such disclosures unless prohibited by law.

Data Security and Protection

Protecting your financial information is our top priority. We employ industry-leading security measures to safeguard your data both in transit and at rest. Our security infrastructure includes advanced encryption, secure servers, and regular security audits.

Physical and Digital Safeguards

Our physical offices are secured with access controls, and all digital systems are protected with the latest cybersecurity technologies. We regularly update our security protocols and conduct vulnerability assessments to stay ahead of potential threats. In the event of a security incident, we have comprehensive response procedures to minimize impact and notify affected clients promptly.

Your Rights and Choices

You have significant control over your personal information and how we use it. We believe in transparency and want you to understand your rights regarding the data we collect and maintain about you.

Access and Correction

You can request access to your personal information at any time by contacting our client services team. We'll provide you with a comprehensive summary of the data we maintain about you. If you identify any inaccuracies, we'll work quickly to correct them and update our records accordingly.

Communication Preferences

You can control how we communicate with you by updating your preferences in your client portal or by contacting us directly. While some communications about your accounts and regulatory matters are required, you can opt out of promotional materials and general financial education content.

Data Retention and Deletion

We retain your personal and financial information for as long as necessary to provide our services and comply with legal and regulatory requirements. Financial services regulations require us to maintain certain records for specific periods, typically ranging from three to seven years after account closure.

Retention Periods

Different types of information have different retention requirements. Client communications and transaction records are typically kept for seven years, while marketing and website analytics data may be deleted sooner. When information is no longer needed, we securely destroy it using industry-standard data destruction methods.

Children's Privacy

Kyltimos Derentex does not knowingly collect personal information from children under 13 years of age. Our financial planning services are designed for adults who can enter into legal agreements. If we discover that we've inadvertently collected information from a child under 13, we will delete that information immediately.

For minor accounts established by parents or guardians, we collect only the information necessary to provide the requested financial services. Parents and guardians have full access to information about their minor children's accounts and can request changes or deletions at any time.

International Data Transfers

While Kyltimos Derentex primarily operates within the United States, some of our technology service providers may process data in other countries. When international transfers occur, we ensure that appropriate safeguards are in place to protect your information according to U.S. privacy standards.

All international data transfers are governed by strict contractual agreements that require the same level of protection for your information as we provide domestically. We regularly audit our international partners to ensure compliance with our privacy standards.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or industry best practices. When we make significant changes, we'll notify you through email or by posting a prominent notice on our website at least 30 days before the changes take effect.

We encourage you to review this policy regularly to stay informed about how we protect your information. The effective date at the top of this policy indicates when it was last updated. If you continue to use our services after policy changes take effect, you're indicating your acceptance of the updated terms.