Policies & Disclosures
Welcome to PWL Capital’s policy hub. This page explains how we protect client assets, manage risk, handle personal data, and comply with regulatory requirements. Read these policies to understand your rights and our obligations as your investment partner.
Scope: This Privacy Policy applies to individuals and entities that interact with PWL Capital via our website, client portals, phone, or in-person meetings.
What we collect
- Personal identification (name, DOB, national ID/passport)
- Contact details (email, phone, address)
- Financial information (income, assets, liabilities, investment history)
- Account activity and transaction data
Why we collect it
We collect this information to provide investment services, verify your identity, assess suitability, meet regulatory requirements (KYC/AML), and to improve client experience.
How we protect your data
We use industry-standard encryption, access controls, and monitoring. Only authorized personnel have access to client data. We review our safeguards regularly and maintain incident response procedures.
Your rights
You may request access, correction, portability, or deletion of your personal data where permitted by law. Contact privacy@pwlcapital.pro for requests.
Data retention
We retain client records as required by law and for the period necessary to provide services and manage risks (typically 6–7 years, longer when required by regulation).
By using our site and services, you agree to our terms, including that content is for informational purposes and not investment advice unless provided via a formal engagement and signed agreement.
- Account access — keep credentials secure and notify us of unauthorized access immediately.
- Intellectual property — site content is protected and may not be reproduced without permission.
- Service availability — we strive for high availability but are not liable for interruptions due to maintenance or events beyond our control.
Full formal client agreements (investment mandates, custody/clearing terms) are provided when you onboard and supersede website summaries where applicable.
We use cookies and similar technologies for:
- Essential site functionality and session management
- Analytics to improve site performance and product development
- Optional analytics and marketing (only with consent)
You can manage cookie preferences through the cookie banner or your browser settings.
Investing involves risk. Past performance is not an indication of future results. Investments may lose value, and returns are not guaranteed.
Key risk factors
- Market risk — prices fluctuate due to macro and microeconomic factors.
- Liquidity risk — certain investments may be difficult to sell quickly at fair value.
- Credit risk — counterparties or issuers may default.
- Currency risk — exchange rate movements can affect returns for international investments.
We perform risk profiling and suitability assessments prior to recommending strategies. Contact your advisor for details specific to your portfolio.
We follow strict KYC (Know Your Customer) and AML procedures to prevent abuse of the financial system. This includes identity verification, source-of-funds checks, and ongoing monitoring of transactions.
We may delay or refuse to open accounts or process transactions where we cannot satisfactorily verify identity or lawful source of funds.
Security practices
We use strong encryption for data in transit and at rest, multi-factor authentication for staff access, logging and monitoring, and regular security assessments by internal and third-party teams.
Retention periods
Client records are typically retained for a minimum of 6 years after account closure or longer if required by law. Transactional data and trade records are retained in line with regulatory obligations.
Incident response
In the unlikely event of a data breach, we will follow our incident response plan, notify affected clients and regulators as required, and provide guidance to mitigate risks.
Suitability assessments
We perform a suitability assessment before recommending any investment, taking into account financial situation, risk tolerance, investment horizon and objectives.
Fees & charges
Fees are disclosed in your client agreement and may include management fees, performance fees, custody charges, and transaction costs. We provide clear fee schedules and periodic statements showing all charges.
Conflicts of interest
Where potential conflicts exist (e.g., related-party transactions), we disclose them in writing and take measures to manage and mitigate their impact on client outcomes.
If you have a complaint, please contact our compliance team at complaints@pwlcapital.pro or call +1 (800) 555-0199. We investigate complaints promptly and escalate to regulators if needed.
Regulatory body: Canadian Investment Regulatory Organization — CIRO.
Downloadable resources for clients: