This Privacy Policy (“Policy”) describe the personal information that Smart Risk Investing and/or Maili Wong (together “Smart Risk Investing”, “we”, “us” or “our”) collects from or about you when you use our website and our services, how we use that information, and to whom we disclose it. “Personal information” means any data that identifies a user as an individual or is capable of doing so, and does not include general, statistical or aggregated information. Examples of personal information that we may collect, use and disclose include your contact information and other information that you may provide to us or that we may obtain from others in conjunction with your use of our website and services.

Please read this Policy carefully. If you do not agree with this Policy, you should not access or use our website or services. This Policy should be read in conjunction with the Smart Risk Investing website Terms of Service available at, into which it is incorporated by reference.

Smart Risk Investing reserves the right to revise this Policy at any time and, as such, you should review its terms each time that you use the website or services. Any changes to this Policy will be promptly communicated on this page.

This Policy was last updated on February 12, 2016.

1. Accountability and Openness / Compliance

Smart Risk Investing is responsible for personal information under our control. We have established policies and procedures to effectively safeguard any confidential personal information that we have on file or which we collect, and to deal with complaints and inquiries. We are committed to maintaining the accuracy, confidentiality and security of your personal information, and we will ensure that you have access to information regarding the policies and procedures that we use to manage your personal information.

2. Consent

By using our website and services, you signify your agreement to the terms and conditions of this Policy and to our collection and use of your personal information as set out herein.

Provision of your email address or other contact information constitutes your consent to receive emails containing Smart Risk information. You may unsubscribe from receipt of emails at any time.

3. Collection and Retention of Information

We collect personal information only to the extent that it is necessary for the purposes set out below (see: Purpose – Why We Collect and Use Information). Personal information that is collected may include, but is not limited to:

  • information provided by you, including your contact information (such as name, telephone number, and email address); and
  • information about your internet browsing activities and browser (see: Cookies and Web Beacons).

Subject to any legal or accounting requirements, we will retain personal information only as long as necessary to fulfill the purposes for which it was collected. Personal information that is no longer required will be destroyed, erased or made anonymous, although copies of deleted information may continue to exist on back-up media.

Users may visit our website without telling us who they are, or revealing any information about themselves. However, like many organizations’ websites, our web server automatically logs certain non-identifying information related to a user’s visit to the website, including the Internet Protocol (IP) address of the user’s computer, the user’s Internet service provider (ISP), the type and version of the browser that the user is using, the date and time the user accessed our website, the Internet address of the website from which the user linked directly to our site, the operating system that the user is using, and the pages of the website that the user has visited. We make no attempt to link this information with the identity of individuals visiting our website without express permission. We may, however, review server logs and anonymous traffic for system administration and security purposes, for example to detect intrusions into our network, for planning and improving web services, and to monitor and compile statistics about website usage. The possibility therefore exists that server log data, which contains users’ IP addresses, could in instances of criminal malfeasance be used to trace and identify individuals. In such instances, we may share raw data logs with the appropriate authorities for the purpose of investigating security breaches.

If you provide comments or other feedback to us, you agree that such comments or other feedback become the property of Smart Risk Investing, and we may use them for any purpose provided that we do not associate them with your personally identifiable information.

4. Cookies and Web Beacons

A “cookie” is a small piece of information stored on your computer by a web page. It is used to identify you to the web server. It tells the server who you are when you return to a page on the same website. Your browser will only send a cookie back to the domain that originally sent it to you. A cookie cannot run any programs, deliver any viruses, or send back information about your system.

We may use cookies to determine your access privileges on our websites, to complete and support a current activity, and to track website usage.

Most web browsers automatically accept cookies, but if you do not wish to have cookies on your system, you should adjust your browser settings to decline them or to alert you when cookies are being sent. If you decline cookies, you will still be able to use our website and services, but your ability to access certain features and functions may be affected.

Some of our web pages may contain an invisible electronic image known as a “web beacon.” Web beacons are similar in function to cookies, but allow websites on different domains to share information. We may use web beacons to transfer your subscription access information between our websites and domains. Web beacons do not transmit any personal information that we collect to any websites that are not owned by Smart Risk Investing.

5. Purpose – Why We Collect and Use Information

We will identify the purposes for which we collect personal information before or when we request the information. We will not collect personal information which is not necessary and, except as specified below, will not use or disclose personal information for any purpose other than the purpose(s) for which it was collected without first obtaining your consent. The information that we collect is used and disclosed only for business purposes. These include:

  • to provide you with information, solicitations and promotional materials regarding Smart Risk Investing, and products and services offered by Smart Risk Investing;
  • to provide you with offers of investment advising services by qualified professionals;
    internal business purposes, such as administering or improving our website or services;
  • to protect us against error, fraud, theft or damage to our goods, our business or our property;
  • to comply with any legal, accounting and regulatory requirements, including reporting requirements, applicable laws, and any search warrants, subpoenas or court orders; and
  • any other reasonable purpose for which you provide consent.

We may collect, use or disclose your personal information without your knowledge or consent where we are permitted or required to do so by applicable law, government request or court order, or based on our good faith belief that it is necessary to do so in order to comply with such law, request or court order, or to protect our assets, the users of our website, or the public.

6. Disclosure to Third Parties

We may disclose your personal information in response to requests from government agencies, law enforcement authorities and regulators, or to satisfy legal or regulatory requirements. We may also disclose your personal information when we buy a business or sell all or part of our business.

7. Safeguards – How Information is Protected

We have implemented reasonable precautions and follow industry best practices to protect your personal information from being inappropriately lost, misused, accessed, disclosed, or altered.

8. International Transfer and Storage of Information

You acknowledge and agree that your personal information may be transmitted, transferred, processed, and/or stored outside of Canada, including in the United States. We will use reasonable means to ensure that your information is protected, but cannot guarantee that the laws of any foreign jurisdiction will accord the same degree of protection as the laws of Canada. By submitting your personal information to us, you consent to the transmission, transfer, processing and/or storage of your personal information outside of Canada.

9. Third Party Content and Links to other Websites

Our website may contain optional links to third party Internet sites and services. You acknowledge that these third parties may collect data from users or their computers. The accessing and use of third party websites is at your own risk, and we cannot assume responsibility for the privacy practices, policies or actions of the third parties who operate those websites. This Policy applies only to the Smart Risk Investing website, and we encourage you to review the privacy policies contained on each Internet site that you use.

10. Minors

Minors (persons under the age of majority as defined in your jurisdiction) are not eligible to use the website or services unsupervised, and we request that minors do not submit any personal information to us. If you are under the age of majority in your jurisdiction, you may only use the website or services in conjunction with and under the supervision of an adult. Smart Risk Investing does not knowingly collect personal information from minors.

11. Governing Law

You agree that your access to and use of the Smart Risk Investing website, including this Policy, and services is governed exclusively by the laws of the Province of British Columbia and the federal laws of Canada applicable therein.