We collect various types of information to provide you with personalized budget risk management services and improve your financial planning experience. The information we gather falls into several distinct categories, each serving specific purposes in delivering our platform's functionality.

We never collect sensitive financial data such as banking passwords, credit card numbers, or social insurance numbers through our platform. Any financial information you provide is limited to general categories and ranges that help us customize your risk management recommendations.

Your information enables us to deliver personalized budget risk management services and educational content tailored to your financial goals. We process your data with clear purposes in mind, ensuring every use serves your interests and improves your experience with our platform.

We may also use aggregated, anonymized data for research purposes to better understand financial behavior patterns and improve our educational resources. This research never includes personally identifiable information and helps us develop better tools for the broader financial wellness community.

We employ industry-leading security measures to protect your personal information from unauthorized access, disclosure, or misuse. Our data protection strategy includes multiple layers of security, regular monitoring, and continuous updates to address emerging threats.

All personal data is stored on secure servers located within Canada, ensuring compliance with Canadian data protection laws. We use encryption both in transit and at rest, meaning your information is protected whether it's being transmitted to our servers or stored in our databases.

We retain your personal information only as long as necessary to provide our services or as required by Canadian law. Financial planning data is typically retained for seven years, while account information may be kept for the duration of your relationship with us plus additional time as legally required.

Under Canadian privacy law, you have significant rights regarding your personal information. We're committed to honoring these rights and providing you with easy ways to exercise control over your data. You can request changes to your information at any time through your account settings or by contacting our privacy team directly.

To exercise any of these rights, simply contact our privacy team using the information provided below. We'll respond to your request within 30 days and guide you through the process. Some requests may require identity verification to protect your information from unauthorized access.

We maintain strict policies regarding data sharing and only work with trusted third-party partners who meet our high standards for privacy and security. Any data sharing is done with your explicit consent or as required by Canadian law, and we never sell your personal information to advertisers or marketing companies.

Our primary third-party relationships include cloud hosting providers for secure data storage, analytics services for improving user experience, and educational content partners who help us deliver comprehensive financial literacy programs. All these partners are bound by strict confidentiality agreements and must comply with Canadian privacy standards.

We may disclose personal information when required by law, such as responding to valid legal requests, court orders, or government investigations. In such cases, we'll make reasonable efforts to notify you unless legally prohibited from doing so.