Data Privacy (PIPEDA)

interface PrivacyGovernance {
  privacyOfficer: {
    name: string
    title: 'Chief Privacy Officer'
    email: 'privacy@earna.ai'
    responsibilities: [
      'Privacy program oversight',
      'Policy development and maintenance',
      'Privacy impact assessments',
      'Breach response coordination',
      'Regulatory liaison',
      'Training and awareness'
    ]
  }
 
  accountability: {
    policies: PolicyDocument[]
    procedures: Procedure[]
    training: TrainingProgram
    audits: AuditSchedule
    vendorManagement: ThirdPartyOversight
  }
 
  reporting: {
    board: 'Quarterly privacy report'
    regulator: 'Annual compliance attestation'
    public: 'Privacy transparency report'
  }
}

data_collection_purposes:
  primary_purposes:
    identity_verification:
      - "Comply with KYC requirements"
      - "Prevent fraud and money laundering"
      - "Verify customer identity"
 
    service_delivery:
      - "Provide financial data aggregation"
      - "Perform credit assessments"
      - "Generate financial analytics"
      - "Process transactions"
 
    account_management:
      - "Manage customer accounts"
      - "Provide customer support"
      - "Send service communications"
 
  secondary_purposes:
    product_improvement:
      - "Enhance service features"
      - "Develop new products"
      - "Improve user experience"
 
    analytics:
      - "Generate aggregated insights"
      - "Perform risk analysis"
      - "Create industry benchmarks"
 
    marketing:
      - "Send promotional materials (with consent)"
      - "Personalize offerings"
      - "Conduct market research"

class ConsentManagement {
  async obtainConsent(
    customer: Customer,
    purpose: Purpose,
    type: ConsentType
  ): Promise<Consent> {
    const consent = {
      customerId: customer.id,
      purpose: purpose.id,
      type: type,
 
      // Consent elements
      informed: {
        purposeExplained: true,
        useDescribed: true,
        consequencesStated: true,
        rightsExplained: true
      },
 
      voluntary: {
        noCoercion: true,
        alternativesAvailable: true,
        withdrawalOption: true
      },
 
      specific: {
        limitedToPurpose: true,
        timebound: purpose.duration,
        scopeDefined: true
      },
 
      // Consent record
      record: {
        timestamp: new Date(),
        method: 'electronic' | 'written' | 'verbal',
        version: this.getConsentVersion(),
        ipAddress: this.getIPAddress(),
        evidence: this.captureEvidence()
      }
    }
 
    await this.storeConsent(consent)
    return consent
  }
 
  async withdrawConsent(
    customerId: string,
    consentId: string
  ): Promise<void> {
    const consent = await this.getConsent(consentId)
 
    // Process withdrawal
    consent.withdrawn = {
      timestamp: new Date(),
      method: 'customer_request',
      processed: true
    }
 
    // Stop related processing
    await this.stopProcessing(consent.purpose)
 
    // Update systems
    await this.propagateWithdrawal(consent)
 
    // Confirm to customer
    await this.sendWithdrawalConfirmation(customerId)
  }
}

interface DataGovernance {
  use: {
    restrictions: {
      purposeLimitation: boolean
      internalAccessControls: boolean
      needToKnow: boolean
      auditLogging: boolean
    }
 
    permissions: {
      roles: Role[]
      dataClassification: Classification[]
      accessMatrix: AccessControl[][]
    }
  }
 
  disclosure: {
    authorized: {
      consent: 'Required unless exception applies'
      legalObligation: 'Court order or subpoena'
      vitalInterests: 'Life-threatening emergency'
      publicRecord: 'Already public information'
    }
 
    agreements: {
      dataProcessing: Agreement[]
      confidentiality: NDA[]
      crossBorder: TransferAgreement[]
    }
  }
 
  retention: {
    schedule: {
      customerData: '7 years after relationship ends'
      transactionData: '7 years from transaction'
      marketingData: '2 years from last interaction'
      technicalLogs: '1 year'
    }
 
    destruction: {
      method: 'Secure deletion/shredding'
      verification: 'Certificate of destruction'
      audit: 'Destruction log maintained'
    }
  }
}

data_accuracy:
  collection:
    - Verify at source
    - Use authoritative sources
    - Validate format and completeness
    - Cross-reference multiple sources
 
  maintenance:
    - Regular accuracy reviews
    - Customer update mechanisms
    - Automated validation rules
    - Data quality monitoring
 
  correction:
    process:
      1. Customer request received
      2. Verify customer identity
      3. Review correction request
      4. Validate new information
      5. Update all instances
      6. Notify third parties
      7. Confirm to customer
 
    timeline: "Within 30 days"
    documentation: "Maintain correction log"

class DataSecurity {
  technicalSafeguards = {
    encryption: {
      atRest: 'AES-256',
      inTransit: 'TLS 1.3',
      keyManagement: 'HSM-based'
    },
 
    accessControl: {
      authentication: 'Multi-factor',
      authorization: 'Role-based (RBAC)',
      sessionManagement: 'Secure tokens',
      privilegedAccess: 'Just-in-time'
    },
 
    monitoring: {
      intrusion: 'IDS/IPS',
      logging: 'Comprehensive audit logs',
      anomaly: 'ML-based detection',
      vulnerability: 'Regular scanning'
    }
  }
 
  organizationalSafeguards = {
    policies: [
      'Information Security Policy',
      'Acceptable Use Policy',
      'Access Control Policy',
      'Incident Response Plan'
    ],
 
    training: {
      frequency: 'Annual + onboarding',
      topics: ['Data handling', 'Phishing', 'Password security'],
      testing: 'Simulations and assessments'
    },
 
    vendorManagement: {
      dueDiligence: 'Security assessments',
      contracts: 'Data protection clauses',
      monitoring: 'Ongoing compliance checks'
    }
  }
 
  physicalSafeguards = {
    facilities: {
      access: 'Badge + biometric',
      surveillance: '24/7 CCTV',
      environmental: 'Climate control, fire suppression'
    },
 
    devices: {
      encryption: 'Full disk encryption',
      disposal: 'Secure wiping/destruction',
      theft: 'Remote wipe capability'
    }
  }
}

## Privacy Documentation
 
### Public Documents
- Privacy Policy (website)
- Privacy Notice (account opening)
- Cookie Policy
- Data Processing Terms
 
### Information Available on Request
- Data inventory
- Third-party processors list
- Data retention schedule
- Security measures overview
- Privacy impact assessments (summary)
 
### Transparency Reporting
- Number of access requests
- Number of correction requests
- Number of complaints
- Number of breaches
- Law enforcement requests

class SubjectAccessRequest {
  async processRequest(request: AccessRequest): Promise<Response> {
    // Step 1: Verify identity
    const verified = await this.verifyIdentity(request.requester)
    if (!verified) {
      return this.requestAdditionalVerification()
    }
 
    // Step 2: Locate all data
    const data = await this.findAllData(request.subject)
 
    // Step 3: Review for exceptions
    const reviewed = await this.applyExceptions(data, {
      legalPrivilege: true,
      commercialConfidential: true,
      thirdPartyInfo: true,
      ongoingInvestigation: true
    })
 
    // Step 4: Prepare response
    const response = {
      personalData: reviewed.data,
      sources: reviewed.sources,
      recipients: reviewed.sharedWith,
      purposes: reviewed.purposes,
      retentionPeriod: reviewed.retention,
 
      format: request.preferredFormat || 'PDF',
      delivery: request.preferredDelivery || 'secure_email'
    }
 
    // Step 5: Deliver within timeline
    await this.deliver(response, {
      deadline: '30 days',
      extension: 'Additional 30 days if complex'
    })
 
    return response
  }
}

complaint_process:
  internal:
    step_1:
      contact: "privacy@earna.ai"
      response_time: "Acknowledge within 2 business days"
      resolution_target: "30 days"
 
    step_2:
      escalation: "Chief Privacy Officer"
      review: "Independent review of complaint"
      resolution_target: "Additional 30 days"
 
  external:
    privacy_commissioner:
      contact: "Office of the Privacy Commissioner of Canada"
      phone: "1-800-282-1376"
      website: "https://www.priv.gc.ca"
 
    process:
      - File complaint online or by mail
      - OPC investigation
      - Findings and recommendations
      - Potential Federal Court review

interface PrivacyByDesign {
  principles: {
    proactive: 'Prevent privacy invasions before they occur'
    default: 'Maximum privacy protection by default'
    embedded: 'Privacy built into system design'
    functional: 'Accommodate all legitimate interests'
    lifecycle: 'Secure throughout data lifecycle'
    transparent: 'Ensure all stakeholders can verify'
    respectful: 'Keep user interests paramount'
  }
 
  implementation: {
    planning: {
      privacyImpactAssessment: boolean
      dataFlowMapping: boolean
      riskAnalysis: boolean
      mitigationStrategies: Strategy[]
    }
 
    development: {
      minimization: 'Collect minimum necessary'
      pseudonymization: 'Replace identifiers where possible'
      encryption: 'Encrypt by default'
      accessControls: 'Granular permissions'
    }
 
    testing: {
      privacyTesting: 'Dedicated privacy test cases'
      penetrationTesting: 'Security assessments'
      complianceAudit: 'Regulatory compliance check'
    }
  }
}

interface BreachRecord {
  incident: {
    id: string
    detectedAt: Date
    reportedBy: string
    type: 'unauthorized_access' | 'loss' | 'theft' | 'disclosure'
  }
 
  assessment: {
    dataAffected: {
      categories: DataCategory[]
      volume: number
      sensitivity: 'low' | 'medium' | 'high'
    }
 
    individualsAffected: {
      count: number
      identifiable: boolean
      jurisdiction: string[]
    }
 
    riskOfHarm: {
      level: 'low' | 'medium' | 'high'
      factors: string[]
      mitigation: string[]
    }
  }
 
  response: {
    containment: {
      actions: string[]
      timestamp: Date
      successful: boolean
    }
 
    notifications: {
      regulator: {
        notified: boolean
        date: Date
        reference: string
      }
      individuals: {
        notified: boolean
        date: Date
        method: string
        count: number
      }
    }
 
    remediation: {
      immediate: Action[]
      longTerm: Action[]
      preventive: Action[]
    }
  }
}

international_transfers:
  adequacy_decisions:
    eu_canada: "Adequate protection recognized"
 
  contractual_safeguards:
    standard_clauses:
      - EU Standard Contractual Clauses
      - APEC Cross-Border Privacy Rules
 
    additional_measures:
      - Encryption in transit and at rest
      - Access controls
      - Audit rights
      - Data localization options
 
  consent_based:
    requirements:
      - Explicit consent
      - Clear explanation of risks
      - Destination country identified
      - Safeguards described

interface SensitiveDataHandling {
  categories: {
    financial: {
      data: ['Bank accounts', 'Credit cards', 'Investment accounts']
      additionalProtection: ['Tokenization', 'PCI DSS compliance']
    }
 
    health: {
      data: ['Medical conditions', 'Prescriptions', 'Insurance claims']
      additionalProtection: ['Explicit consent', 'Limited access']
    }
 
    government: {
      data: ['SIN', 'Passport', 'Driver license']
      additionalProtection: ['Encryption', 'No unnecessary collection']
    }
  }
 
  controls: {
    collection: 'Only when necessary and with explicit consent'
    storage: 'Enhanced encryption and access controls'
    use: 'Strictly limited to stated purpose'
    disclosure: 'Only with explicit consent or legal requirement'
    retention: 'Minimum necessary period'
    destruction: 'Secure and verified destruction'
  }
}

children_privacy:
  age_verification:
    - Age declaration
    - Parental consent for under 13
    - Enhanced protections for 13-18
 
  data_minimization:
    - Collect absolute minimum
    - No behavioral advertising
    - No sale of children's data
 
  parental_rights:
    - Access child's data
    - Correct inaccuracies
    - Delete data
    - Withdraw consent

interface PrivacyTraining {
  audiences: {
    allStaff: {
      topics: [
        'PIPEDA basics',
        'Privacy principles',
        'Data handling procedures',
        'Breach response',
        'Customer rights'
      ]
      frequency: 'Annual'
      duration: '2 hours'
    }
 
    dataHandlers: {
      topics: [
        'Data classification',
        'Access controls',
        'Secure disposal',
        'Incident reporting',
        'Third-party sharing'
      ]
      frequency: 'Semi-annual'
      duration: '4 hours'
    }
 
    developers: {
      topics: [
        'Privacy by design',
        'Data minimization',
        'Secure coding',
        'Privacy testing',
        'API security'
      ]
      frequency: 'Quarterly'
      duration: '3 hours'
    }
  }
 
  delivery: {
    methods: ['Online modules', 'Workshops', 'Simulations']
    testing: 'Required with 80% pass rate'
    certification: 'Annual recertification'
  }
}

privacy_kpis:
  operational:
    - Access requests completed on time: >95%
    - Consent capture rate: 100%
    - Data accuracy rate: >98%
    - Breach response time: <24 hours
 
  compliance:
    - Privacy complaints: <5 per year
    - Regulatory findings: 0
    - Audit findings addressed: 100%
    - Training completion: 100%
 
  risk:
    - High-risk data minimized: Ongoing
    - Third-party assessments: 100% complete
    - Privacy impact assessments: All new projects
    - Vulnerability remediation: <30 days

class VendorPrivacyManagement {
  async assessVendor(vendor: Vendor): Promise<Assessment> {
    const assessment = {
      privacyPractices: await this.reviewPrivacyPolicy(vendor),
      securityMeasures: await this.assessSecurity(vendor),
      dataLocation: await this.verifyDataResidency(vendor),
      subprocessors: await this.identifySubprocessors(vendor),
      certifications: await this.verifyCertifications(vendor),
 
      risk: this.calculateRisk(vendor),
      requirements: this.determineRequirements(vendor),
 
      contractualTerms: {
        dataProcessingAgreement: 'Required',
        confidentiality: 'Required',
        auditRights: 'Required',
        breachNotification: '24 hours',
        dataReturn: 'Upon termination',
        liabilityAndIndemnity: 'Appropriate allocation'
      }
    }
 
    return assessment
  }
}

privacy_technologies:
  anonymization:
    - Remove direct identifiers
    - Generalize quasi-identifiers
    - Add statistical noise
    - K-anonymity implementation
 
  pseudonymization:
    - Replace identifiers with pseudonyms
    - Maintain mapping separately
    - Encrypt mapping table
    - Regular rotation
 
  encryption:
    - End-to-end encryption
    - Zero-knowledge architecture
    - Homomorphic encryption (where applicable)
    - Secure multi-party computation
 
  access_controls:
    - Attribute-based access control
    - Purpose-based restrictions
    - Time-limited access
    - Break-glass procedures