Privacy Policy
Your privacy is fundamental to our mission. This policy explains how we collect, use, and protect your personal information in accordance with Canadian privacy laws.
Last updated: December 6, 2025 | Effective date: December 6, 2025
1. Information We Collect
Personal Information
We collect the following types of personal information:
- Identity information: Full name, date of birth, Social Insurance Number (SIN)
- Contact information: Email address, phone number, mailing address
- Financial information: Income, assets, liabilities, investment preferences
- Account information: Username, encrypted password, security questions
Technical Information
- IP address and location data
- Browser type and version
- Device information and operating system
- Usage patterns and preferences
2. How We Use Your Information
Primary Purposes
- Provide financial planning services and calculations
- Generate personalized reports and recommendations
- Maintain your account and provide customer support
- Ensure platform security and prevent fraud
Legal Basis
We process your personal information based on:
- Your explicit consent for financial planning services
- Contract performance to deliver requested services
- Legal obligations under Canadian financial regulations
- Legitimate interests in platform security and improvement
3. Data Sharing and Disclosure
Limited Sharing
We may share your information only in these specific circumstances:
- With your explicit written consent
- To comply with legal obligations or court orders
- With essential service providers (payment processing, hosting infrastructure) under strict contractual obligations
- In case of business transfer (with prior notice)
4. Data Security
Security Measures
- AES-256 bit encryption for sensitive data
- Multi-factor authentication required
- SSL/TLS encryption for all connections
- Regular security audits and testing
- Canadian data hosting with isolation
- Advanced fraud detection systems
- Secure backup and disaster recovery
- Staff security training and background checks
5. Your Rights
Under Canadian Privacy Laws
Access Rights
- Request copies of your personal data
- Understand how we use your information
- Know who has access to your data
Control Rights
- Correct inaccurate information
- Request deletion of your data
- Withdraw consent at any time
6. Data Retention
| Data Type | Retention Period | Purpose |
|---|---|---|
| Account Information | Duration of service + 7 years | Legal compliance |
| Financial Data | Duration of service + 7 years | Regulatory requirements |
| Usage Logs | 2 years | Security monitoring |
| Marketing Preferences | Until withdrawal | Communication preferences |
7. Legal Compliance
Applicable Laws
- PIPEDA - Personal Information Protection and Electronic Documents Act
- Quebec Bill 25 - Act to Modernize Legislative Provisions
- Provincial Privacy Acts - Where applicable
Regulatory Oversight
Our privacy practices are subject to oversight by:
- Office of the Privacy Commissioner of Canada
- Commission d'accès à l'information du Québec (CAI)
- Relevant provincial privacy commissioners
8. Contact Information
Policy Updates
We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. We will notify you of any material changes by:
- Email notification to your registered address
- Prominent notice on our website
- In-app notification upon login
Continued use of our services after updates constitutes acceptance of the revised policy.