Privacy Policy

Information We Collect

phelosqurantiv collects various types of information to provide you with our budget automation services. We're transparent about what we gather and why we need it.

We collect this information through direct interactions with our platform, automated technologies like cookies, and third-party services when you link external accounts. All collection happens with your explicit consent.

How We Use Your Information

Your information serves specific purposes that directly benefit your experience with phelosqurantiv's budget automation platform.

• Providing personalized budget recommendations and financial insights
• Processing transactions and maintaining accurate account information
• Sending important service updates and security notifications
• Improving our algorithms to better serve your financial goals
• Ensuring platform security and preventing unauthorized access
• Complying with Canadian financial regulations and legal requirements
• Providing customer support and responding to your inquiries

We process your information based on legitimate business interests, contractual necessity, and your consent. You can withdraw consent at any time, though this may limit some platform features.

Information Sharing and Disclosure

phelosqurantiv follows strict guidelines about sharing your information. We only share data when necessary and with your best interests in mind.

We never sell your personal information to third parties. However, we may share information in these specific circumstances:

• With financial institutions when you authorize account connections
• With service providers who help us operate the platform securely
• When required by Canadian law or legal proceedings
• To protect our rights, property, or safety, or that of our users
• In connection with a business transfer, merger, or acquisition
• With your explicit consent for specific purposes

All third-party partners sign agreements requiring them to protect your information with the same care we do. They can only use your data for the specific services they provide to us.

Data Security and Protection

Security isn't just important to us—it's fundamental. We've implemented multiple layers of protection to safeguard your financial information.

Our security measures include:

• 256-bit SSL encryption for all data transmission
• Advanced firewall protection and intrusion detection systems
• Regular security audits and penetration testing
• Multi-factor authentication for account access
• Encrypted data storage with restricted access controls
• Employee background checks and security training
• Compliance with Canadian privacy and financial regulations

While we maintain industry-leading security standards, we also encourage you to use strong passwords and keep your login credentials private. Never share your account information with others.

Data Retention and Deletion

We retain your information only as long as necessary to provide our services and meet legal requirements. Different types of data have different retention periods.

• Account information: Retained while your account is active plus 7 years for financial records
• Transaction data: Kept for 7 years to comply with Canadian financial regulations
• Usage logs: Automatically deleted after 2 years unless needed for security purposes
• Marketing communications: Deleted immediately upon unsubscribing
• Support conversations: Retained for 3 years to improve service quality

When you close your account, we begin the deletion process within 30 days. Some information may be retained longer if required by law or for legitimate business purposes like fraud prevention.

You can request immediate deletion of specific data types by contacting our privacy team. We'll process these requests within 30 days and confirm completion.

Cookies and Tracking Technologies

phelosqurantiv uses cookies and similar technologies to enhance your experience and improve our services. We believe in being clear about what these do and giving you control.

• Essential cookies: Required for basic platform functionality and security
• Analytics cookies: Help us understand how users interact with our platform
• Preference cookies: Remember your settings and customizations
• Security cookies: Protect against fraud and unauthorized access

You can control cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may limit some platform features but won't prevent basic functionality.

We don't use cookies for advertising or tracking across other websites. Our cookies stay within the phelosqurantiv platform to serve your financial management needs.

Changes to This Policy

Privacy practices evolve, and so does our policy. We'll update this document as needed to reflect changes in our services, technology, or legal requirements.

When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on our platform dashboard
• Updated "Last Modified" date at the top of this policy

Minor updates like clarifications or formatting changes may not trigger notifications, but the updated date will always reflect recent modifications.