Privacy Policy

Maxim AJ James – Wealth Management is a financial advisory practice registered in Canada, operating under Lazar – Wealth Succession Strategies Inc. The Wealth Enhancement Fund is a segregated fund offering designed and managed by Maxim AJ James, MBA through Maxim AJ James – Wealth Management, with client accounts held with Canada Life Assurance Company Ltd. We provide personal financial planning services including investment management, debt reduction planning, cash flow analysis, and retirement planning.

For privacy-related inquiries, contact us at: info@mywealthoffice.com

We collect the following categories of information:

• Identity Information: Full name, date of birth, email address, phone number, home address, and Social Insurance Number (SIN) — collected only for the purpose of opening regulated investment accounts.
• Financial Information: Income, net worth, liquid assets, employment status, debt balances, investment account balances, monthly cash flow data, and retirement planning inputs.
• Account Credentials (via Plaid): When you connect your bank or investment accounts, we use Plaid Inc. to retrieve read-only account data. We never see or store your banking username or password.
• Usage Data: Pages visited, actions taken within the application, and session information for security and service improvement purposes.

Your information is used solely to:

• Provide personalized financial planning, debt analysis, investment projections, and retirement planning tools
• Open and administer segregated fund accounts with Canada Life
• Process fund transfer requests and account changes
• Send account status updates, DocuSign documents, and important financial notifications
• Comply with applicable Canadian regulatory requirements (FINTRAC, KYC/AML obligations)
• Improve and secure the platform

We do not sell, rent, or share your personal information with third parties for marketing purposes.

The Wealth Office uses Plaid Inc. to enable secure, read-only connections to your Canadian bank and investment accounts. When you choose to connect an account:

• You will be redirected to Plaid Link, a secure interface operated by Plaid
• Your banking credentials are entered directly into Plaid's interface — we never receive or store them
• Plaid provides us with read-only access to account balances, transaction history, and account identifiers
• Data retrieved via Plaid is used exclusively to populate your financial planning tools within this application
• Plaid access tokens (the credentials that authorize data retrieval) are stored encrypted and are never exposed in the application interface
• You may revoke Plaid access at any time from your account settings or by contacting us directly

Plaid's own privacy policy is available at plaid.com/legal.

• All data is stored on the Base44 platform, which uses industry-standard encryption at rest and in transit (TLS 1.2 or higher)
• The application is served exclusively over HTTPS
• Access to the platform requires multi-factor authentication (email-based OTP verification)
• Access to client data is restricted by role-based access control — only the authorized advisor and the client themselves can view their records
• We do not store SIN numbers beyond what is required to complete account-opening regulatory obligations

As a Canadian resident, you have rights under the Personal Information Protection and Electronic Documents Act (PIPEDA), including:

• Right of Access: You may request a copy of the personal information we hold about you
• Right to Correction: You may request that inaccurate information be corrected
• Right to Withdraw Consent: You may withdraw consent for collection and use of your personal information, subject to legal and contractual restrictions
• Right to Complaint: You may file a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca

To exercise any of these rights, contact us at info@mywealthoffice.com.

We retain your personal and financial information for as long as necessary to provide services and comply with Canadian regulatory requirements. Investment account records are retained for a minimum of 7 years in accordance with securities regulations. You may request deletion of non-regulated data by contacting us directly.

We work with the following third-party providers to operate this platform:

• Base44 — Application hosting and database infrastructure
• Plaid Inc. — Bank account data aggregation (read-only)
• Canada Life Assurance Company — Segregated fund account administration
• DocuSign — Electronic document signing

Each provider is contractually bound to handle your data securely and only for the purposes we specify.

The Wealth Office uses minimal session-based cookies required for authentication and application functionality. We do not use third-party advertising cookies or cross-site tracking technologies.

We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page will reflect any changes. Continued use of the application after changes are posted constitutes acceptance of the revised policy. For significant changes, we will notify registered users by email.

For any privacy-related questions, requests, or concerns: