Privacy Policy

1. Personal Information We Collect

We collect personal information necessary to offer our wealth management services and to meet our legal obligations. The types of personal information we collect can be grouped into a few broad categories:

• Your Identity Information: This includes information such as your name, home address, date of birth, and government identification numbers (e.g., Social Insurance Number). For example, when you become a client, we require your name, contact details, date of birth, and SIN for tax reporting purposes. Identity information helps us verify who you are and is also necessary to comply with regulations like anti-money laundering laws.
• Your Financial Situation: This includes details about your current income, assets (bank accounts, investment portfolios, real estate, etc.), liabilities (loans, debts), and banking relationships. We gather this to understand your financial baseline and to tailor our advice – for instance, knowing your net worth and cash flow needs helps us design an appropriate investment strategy. It also assists us in meeting "Know Your Client" requirements under securities laws.
• Your Goals, Priorities, and Risk Profile: This encompasses information on your financial objectives (e.g., retirement plans, funding a child's education, charitable goals), your investment horizon, liquidity needs, and your risk tolerance. We may ask about when you plan to draw on your investments and how you feel about potential investment losses in the short term. Understanding how comfortable you are with risk (through discussions and our risk assessment tools) is crucial – once we determine a risk profile for you, we use it to guide the suitability of investment advice and portfolio construction.

Additionally, if you inquire about or apply for a job with Volta Wealth, we will collect the personal information contained in your application (such as your resume, employment history, education) and any generated during the recruitment process. This is used solely for assessing your candidacy and will be retained only as long as necessary for recruitment or to satisfy legal obligations.

We typically collect personal information directly from you (for example, through forms you fill out or information you provide during meetings). In some cases, we may collect from third parties with your consent – such as credit checks or background verification if required for certain services or accounts.

2. How We Use Your Personal Information

Volta Wealth uses the collected personal information for the purposes identified at the time of collection or as otherwise permitted by law. The primary uses include:

• Account Opening and Administration: When you open an account with us, we use your personal details to set up and maintain the account. This includes using identity and financial information to process your transactions, provide account statements and performance reports, and act on your instructions.
• Delivering Advisory Services: Your information about objectives and financial situation is used to craft and advise on suitable investment portfolios and financial plans. We analyze the data to make recommendations that fit your needs and to execute agreed-upon strategies on your behalf.
• Regulatory Compliance: We use personal information to meet various regulatory and legal obligations. For instance, anti-money laundering (AML) laws and Canadian securities regulations require us to gather certain information and monitor account activity.
• Communication and Marketing: With your consent, we may use your contact information to send you market commentary, newsletters, or information about our services that we believe may interest you, in accordance with Canada's Anti-Spam Legislation (CASL).
• Client Service: If you contact us with questions, requests, or complaints, we will use the information you provide (like your contact info and the nature of your inquiry) to respond and help you.

3. Disclosure of Personal Information

Volta Wealth treats your personal information with care and confidentiality. We do not disclose your personal information to third parties without your consent, except in certain typical scenarios, such as:

• Service Providers: We may share information with trusted third-party service providers that help us in our operations (for example, IT service providers who host our systems, mailing services for sending statements, or custodians and brokerage platforms that hold and execute trades for client accounts).
• Legal and Regulatory: We may disclose personal information as required or permitted by law. For example, we might share information in response to a subpoena, court order, or regulatory request.
• Consent: With your explicit consent, we might share information with other parties. For instance, if you want us to work with your lawyer or accountant and share relevant financial details, we will do so at your direction.

We do not sell client personal information to any third parties.

4. Consent and Your Choices

By engaging with Volta Wealth (e.g., becoming a client, using our website, filling in our forms), you consent to the collection, use, and disclosure of your personal information as described in this Policy. You have the right to withdraw your consent to our continued use or retention of your personal information at any time, subject to legal or contractual restrictions.

You can opt-out of marketing emails as mentioned above without affecting other services. Simply use the unsubscribe mechanism or let us know, and we will remove you from marketing lists.

5. Retention of Personal Information

Volta Wealth will retain personal information only for as long as necessary to fulfill the purposes for which it was collected and as long as required by law. When personal information is no longer needed, we will destroy or anonymize it in a secure manner.

6. International Transfer and Storage of Information

Some of the third-party service providers we use (for technology, cloud storage, etc.) may be located in jurisdictions outside of Canada. Therefore, personal information may be transferred to or stored in other countries (for example, the United States) as part of our operations. However, we choose reputable providers and require that they provide a high standard of privacy protection regardless of location.

7. Security of Personal Information

We take security seriously. Volta Wealth Management has implemented reasonable physical, organizational, and technological measures to protect personal information against theft, loss, and unauthorized access or disclosure. These measures include:

• Physical safeguards: Our offices have secure entry, and files containing personal info are stored in locked cabinets or in secured server rooms.
• Technological safeguards: We use encryption, firewalls, and access controls for our computer systems and databases.
• Organizational controls: Only employees or authorized agents who need access to your information to perform their duties are permitted to do so.

8. Website and Electronic Privacy

When you use our website (voltawealth.ca), we do not typically collect personal details (like your name or address) just from you browsing our site. We do, however, collect general usage data through server logs and possibly analytics tools. Our website may use "cookies" to enhance user experience. You can set your browser to refuse cookies if you prefer.

9. Accessing and Correcting Your Information

You have the right to request access to the personal information we hold about you, and to request corrections if needed. We will need to verify your identity before providing specific data.

10. Changes to this Privacy Policy

Volta Wealth may update this Privacy Policy from time to time to reflect changes in our practices or for other operational, legal, or regulatory reasons. If we make material changes, we will post a prominent notice on our website or notify clients directly, where required by law.

11. Contact Us (Privacy Inquiries)

We have appointed a Privacy Officer to oversee compliance with this Privacy Policy and to answer your questions about our privacy practices. If you have any questions or comments about this Policy, wish to access or update the personal information we hold about you, or have a concern or complaint about how we handle your personal information, please contact our Privacy Officer:

Last Updated: October 2025