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Privacy Policy

Last updated: July 29, 2022
This Privacy Policy exclusively applies to the collection, use, and disclosure by MyFO of information about you when you use the MyFO website. This Privacy Policy applies to the services and products (collectively, the “Service”) provided by First Democracy Technology, Inc. (“MyFO,” “our,” “we,” or “us”).

This Privacy Policy explains the measures we take to fulfill our commitments and describes how we collect, use and disclose your personal information through our website, including all subpages and successor pages. By providing us with your personal information, you consent to the collection, use and sharing of your personal information as set out in this Privacy Policy.

The terms of this Privacy Policy are subject to change at any time. If we make changes, we will notify you by revising the date at the top of the policy. In some cases, we may provide you with additional notice (such as adding a statement to our homepage or sending you an email notification). We encourage you to often refer to this Privacy Policy for the latest information about our privacy practices. By continuing to interact with us after the modified version of the policy has been posted, you are accepting the changes to the policy.

Collection of Your Information

Information You Provide to Us

When you create an account, we ask that you provide certain personal information such as your name, email address and other information necessary to create an account and use our Service.

When using our Service, you provide us with information about you and your day-to-day activities. This includes information about your bank accounts, appointments, credit card information, account details and similar information.

We also collect information when you participate in interactive features on our Service, such as sending a message through our Service or completing an online form, participating in promotions, or requesting customer support.

Information We Collect Automatically

Information Collected by Cookies and Similar Tracking Technologies

We collect information using technologies including but not limited to cookies and web beacons.

Cookies are small data files sent to your computer and stored on your hard drive or in device memory that help us improve our website and the Services, see which areas and features of our website or the Services are popular, count visits and understand usage, campaign effectiveness and trends.

Web beacons are electronic images used in our emails and on our website to deliver cookies, count visits, understand usage, campaign effectiveness, and trends.

Device and Usage Information

We collect information about the devices and networks you use to access our Service, including your hardware model, operating system version, mobile network information, IP address, browser type, app version and the pages you view. We also collect usage information about your activities on our Service, such as clicked links and content viewed.

Information We Collect From Other Sources

In addition, we may obtain information from other sources and combine that with the information we collect through this Privacy Policy. Our Privacy Policy does not cover the information practices of third parties, and we are not responsible for third parties’ collection, use, processing or disclosure of your information.

Use of Your Information

We may use the information we collect via our website or the Services as follows:


  • Customize and improve your experience with our Service;


  • Refine our website and the Services;


  • Personalize the advertisements you see on third-party platforms and websites;


  • Respond to your comments and questions and provide customer service;


  • Detecting, preventing and suppressing errors, fraud, financial abuse and other unauthorized or illegal activities;


  • Personalize your experience on our website by communicating with you about news, information and updates we think will be of interest to you;


  • Comply with our legal and financial obligations;


  • Monitor and analyze trends, usage and activities in connection with the use of our website or the Services;


  • Carry out any other purpose for which the information was collected or disclosed.

Anonymizing Your Information

Your information may be aggregated and anonymized so that it cannot be used to identify individuals. We de-identifying your information by removing personal identifiers such as your name, address and account numbers. We use this information for analytics and reporting, developing and improving our products and services, and identifying trends and insights that may be of value to our clients and us.

Sharing of Information

We may share the information we collect via our website or the Services as follows:  
  • With vendors, service providers and consultants who carry out work or the Services on our behalf. These include companies that assist us with web hosting, videoconferencing and fraud prevention, customer service, marketing, and advertising.
  • During negotiations, or as a result of a merger, sale of company assets, spin out, divestment, financing or acquisition of all or a portion of our business by another company.
  • If we consider your actions inconsistent with our user agreements or policies.
  • If we believe that you have violated the law, or if we believe it is necessary to protect the rights, property, and safety of us, our users, the public, or others.
  • We may disclose personal information to our lawyers and other professional advisors so that they may provide advice on legal matters, as well as protect our business interests.
  • We may disclose personal information if we believe that disclosure is legally permissible or required to comply with a legal process, including requests by public authorities to meet national security or law enforcement requirements.

Protecting Personal Information

We have appropriate security measures to protect your personal information against unauthorized access, use, alteration or destruction. We also provide training to our employees to understand and follow these policies.

You are responsible for maintaining the confidentiality of your password. Please be aware that we will never ask you for your password in unsolicited communication (such as letters, phone calls or email messages).

We may retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to meet our legal, regulatory, or other compliance obligations.

Restricting Disclosure of Personal Information

We will not disclose, trade, rent, sell or otherwise transfer your personal information, without your consent, except as otherwise set out in this Privacy Policy. We do not disclose any non-public personal information to any third party except as required by law or as outlined in this Privacy Policy.

Advertising and Analytics

We may allow others to provide analytics services and serve advertisements across the Internet in connection with the use of our website and the Services. These entities may use cookies, web beacons, and other technologies to collect information about your use of our website and the Services and other websites and online services, including your IP address, web browser, pages viewed, time spent on pages, links clicked and conversion information. We and others may use this information to, among other things, analyze and track data, determine the popularity of certain content, deliver advertising and content targeted to your interests on our website(s) and other website(s) and for our Services and better understand your online activity.

For more information about interest-based ads or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices.

Transfer of Information To Canada and Other Countries

We are based in Canada, and the information we collect through our website and Services is governed by Canadian law. By accessing or using our website or the Services or otherwise providing information to us, you consent to the processing, transfer and storage of information in and to Canada and other countries where we operate, which may have privacy protection standards different from that provided under local law. We will take all reasonable measures to ensure that your personal information receives adequate protection in the jurisdictions in which we process it.

Your Choice

Promotional Communications

You may opt out of receiving future promotional emails from us by following the instructions in those emails. After opting out, we may still send you non-promotional emails, such as those about our ongoing business relations.


By default, most web browsers accept cookies. However, you can usually adjust your browser settings to remove or reject cookies. If you choose to remove or reject cookies, this could affect the availability and functionality of the Service.

Other Requests

We will comply with any other requests that are required by applicable law. You may be able to obtain a copy of your personal information and have it corrected if it's inaccurate. We may require you to provide additional information to confirm your identity. Please use the contact information below.

Contact Us

If you have any questions about this Privacy Policy, please contact us at: privacy@myfo.tech.
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