Information We Collect

We collect information you provide directly to us when using our financial planning tools and services. This includes personal details you share when creating an account, setting up your financial calendar, or contacting our support team.

Personal Information

• Name, email address, and contact information
• Financial goals and planning preferences
• Calendar data and scheduling information
• Communication preferences and feedback

Technical Information

We automatically collect certain technical data to improve our services, including your IP address, browser type, device information, and how you interact with our platform. This helps us understand usage patterns and optimize your experience.

How We Use Your Information

Your information helps us provide personalized financial planning services and improve our platform. We use this data to create your customized financial calendar, send relevant updates, and ensure our services meet your needs.

• Delivering personalized financial planning tools and calendar features
• Sending service updates, educational content, and relevant financial insights
• Providing customer support and responding to your inquiries
• Improving our services based on user feedback and usage patterns
• Ensuring platform security and preventing unauthorized access

Information Sharing and Disclosure

We keep your information confidential and only share it in specific circumstances necessary for our services or as required by Canadian law.

Service Providers

We work with trusted third-party providers who help us deliver our services, such as cloud hosting, email delivery, and customer support tools. These providers are contractually bound to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by Canadian federal or provincial law, court orders, or legal processes. We'll notify you of such requests unless legally prohibited from doing so.

Your Privacy Rights Under Canadian Law

As a Canadian resident, you have specific rights regarding your personal information under federal and provincial privacy legislation, including PIPEDA (Personal Information Protection and Electronic Documents Act).

To exercise these rights, contact us using the information provided below. We'll respond to your request within 30 days and may ask you to verify your identity for security purposes.

Data Security and Protection

We implement comprehensive security measures to protect your information from unauthorized access, alteration, or disclosure. Our security practices include encryption, secure data transmission, and regular security audits.

Technical Safeguards

• SSL/TLS encryption for all data transmission
• Encrypted storage of sensitive personal information
• Regular security monitoring and vulnerability assessments
• Access controls limiting who can view your information
• Secure backup systems with encryption protocols

While we implement strong security measures, no system is completely secure. We encourage you to use strong passwords and keep your account information confidential.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Different types of information have different retention periods based on their purpose and legal requirements.

Retention Periods

• Account information: Retained while your account is active, plus 2 years after closure
• Financial planning data: Retained for 7 years to comply with financial record requirements
• Communication records: Retained for 3 years for quality assurance and support purposes
• Technical logs: Retained for 1 year for security and performance monitoring

When retention periods expire, we securely delete or anonymize your information. You can request earlier deletion in most cases, though some information may need to be retained for legal compliance.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our platform. These small files help us remember your preferences, keep you logged in, and understand how you use our services.

Types of Cookies We Use

• Essential cookies: Required for basic platform functionality and security
• Preference cookies: Remember your settings and customization choices
• Analytics cookies: Help us understand usage patterns and improve our services
• Security cookies: Protect against unauthorized access and fraudulent activity

You can control cookie settings through your browser preferences. Disabling certain cookies may limit some platform features, but essential functionality will remain available.

Updates to This Privacy Policy

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. When we make significant changes, we'll notify you through email or prominent notices on our platform.

We encourage you to review this policy regularly to stay informed about how we protect your privacy. The "last updated" date at the top of this page shows when the most recent changes were made.

Contact Us About Privacy

If you have questions about this privacy policy or how we handle your personal information, we're here to help. You can reach us through any of the following methods:

We're committed to addressing your privacy concerns promptly and transparently. Our team typically responds to privacy inquiries within 2-3 business days.