Privacy Policy

Information We Collect

When you use our budget performance metrics platform, we collect information that helps us provide better financial insights and services. This includes personal details you provide during registration, such as your name, email address, and financial institution connections you authorize.

We also gather usage data about how you interact with our platform – which features you use most, how often you check your budget reports, and which financial categories matter most to you. This helps us improve our analytics and personalize your experience.

• Account registration information including name, email, and phone number
• Financial data from connected accounts through secure banking APIs
• Budget categories, spending patterns, and financial goals you set
• Device information and IP addresses for security purposes
• Communication preferences and customer service interactions

How We Use Your Information

Your financial data powers our budget performance analytics. We analyze spending patterns to help you understand where your money goes and identify opportunities for better financial management. This analysis happens within secure, encrypted systems that meet Canadian banking standards.

We also use your information to send relevant updates about your budget performance, new features that might help your financial planning, and important security notifications. You can adjust these communication preferences in your account settings at any time.

Data Protection and Security

We take data protection seriously, especially when handling financial information. Our systems use bank-level encryption both for data transmission and storage. All financial data is tokenized, meaning we never store your actual banking credentials on our servers.

Our security measures include regular penetration testing, employee background checks, and compliance with Canadian cybersecurity frameworks. We also maintain incident response procedures to quickly address any potential security issues.

• 256-bit SSL encryption for all data transmission
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Restricted employee access based on job requirements
• Secure data centers located within Canada

Your Rights Under Canadian Privacy Law

As a Canadian resident, you have specific rights regarding your personal information. You can request access to all data we hold about you, ask for corrections if information is inaccurate, or request deletion of your account and associated data.

You also have the right to withdraw consent for data processing activities, though this might limit certain platform features. If you have concerns about how we handle your information, you can file a complaint with the Privacy Commissioner of Canada.

Data Retention and Deletion

We keep your financial data only as long as necessary to provide our services or as required by Canadian financial regulations. Active account data is retained while your account remains open plus seven years afterward to comply with financial record-keeping requirements.

When you close your account, we begin our deletion process immediately for non-essential data. Some information may be retained longer for legal compliance, fraud prevention, or legitimate business purposes, but this is clearly outlined in our detailed retention schedule.

Sharing and Third Parties

We don't sell your personal information to third parties. However, we do work with trusted service providers who help us operate our platform securely. This includes cloud hosting providers, customer service platforms, and financial data aggregation services.

All third-party partners sign strict data processing agreements and must meet the same privacy standards we maintain. We also share information when required by law or to protect against fraud and security threats.