Privacy Policy

Information We Collect

Personal Information You Provide

When you create an account or use our services, we collect information that you voluntarily provide to us. This includes your name, email address, phone number, date of birth, employment information, and financial details necessary for retirement planning calculations. We also collect information when you contact our support team, participate in surveys, or engage with our educational content.

Automatically Collected Information

Our website automatically collects certain information about your device and how you interact with our services. This includes your IP address, browser type, operating system, referring websites, pages viewed, and time spent on our site. We use cookies and similar technologies to enhance your experience and provide personalized content.

Data Type	Purpose	Retention Period
Account Information	Service provision and account management	Duration of account plus 7 years
Financial Data	Retirement planning calculations	Duration of service plus 7 years
Usage Analytics	Service improvement and optimization	24 months
Communication Records	Customer support and service quality	3 years

How We Use Your Information

We use your personal information to provide, maintain, and improve our retirement planning services. This includes creating personalized retirement projections, sending you account updates, and providing customer support. We also use your information to comply with legal obligations, prevent fraud, and ensure the security of our platform.

• Providing personalized retirement planning advice and calculations
• Sending important account notifications and service updates
• Improving our services through usage analysis and feedback
• Ensuring platform security and preventing unauthorized access
• Complying with regulatory requirements and legal obligations
• Communicating about new features and educational content

Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties for their marketing purposes. We may share your information in limited circumstances, such as with trusted service providers who help us operate our platform, when required by law, or to protect our rights and the safety of our users.

Service Providers

We work with carefully selected third-party service providers who assist us in delivering our services. These providers have access to your personal information only as necessary to perform their functions and are contractually obligated to maintain confidentiality and security standards that meet or exceed our own.

Legal Requirements

We may disclose your information when required by law, such as in response to a court order, subpoena, or other legal process. We may also share information to protect our rights, property, or safety, or that of our users or the public, as required or permitted by law.

Data Security

We implement comprehensive security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security practices include encryption of data in transit and at rest, regular security assessments, access controls, and employee training on data protection principles.

We use industry-standard SSL encryption to protect data transmitted between your browser and our servers. Our databases are protected by firewalls and access is limited to authorized personnel who need the information to perform their job functions. We regularly update our security protocols to address emerging threats and maintain the highest level of protection for your information.

Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience on our website. These technologies help us remember your preferences, analyze site usage, and provide personalized content. You can control cookie settings through your browser preferences, though some features may not function properly if cookies are disabled.

Types of Cookies We Use

• Essential cookies that are necessary for the website to function properly
• Performance cookies that help us understand how visitors interact with our website
• Functionality cookies that remember your preferences and settings
• Marketing cookies that help us deliver relevant advertisements and content

International Data Transfers

As a Canadian company, we primarily store and process your information within Canada. However, some of our service providers may be located in other countries, including the United States. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy rights and comply with applicable data protection laws.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements. Account information and financial data are typically retained for seven years after account closure to meet regulatory requirements. Usage data and analytics are generally retained for shorter periods as outlined in our data retention schedule.

Children's Privacy

Our services are not directed to individuals under the age of 18, and we do not knowingly collect personal information from minors. If we become aware that we have collected personal information from a child under 18, we will take steps to delete such information promptly. Parents or guardians who believe their child has provided us with personal information should contact us immediately.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of any material changes by posting the updated policy on our website and, where required, by sending you a direct notification. Your continued use of our services after any changes indicates your acceptance of the updated privacy policy.

Contact Information

If you have any questions about this privacy policy, wish to exercise your privacy rights, or have concerns about how we handle your personal information, please contact our Privacy Officer using the information provided above. We are committed to addressing your inquiries promptly and working with you to resolve any privacy-related issues.