Privacy Policy

Information We Collect

When you interact with our platform, we collect several types of information to provide you with the best possible experience and comply with Canadian privacy regulations.

Personal Information You Provide

This includes information you directly share with us when creating an account, using our services, or contacting our team:

• Name, email address, and contact details
• Financial scenario data and modeling parameters you input
• Communication preferences and feedback
• Professional information relevant to your financial modeling needs
• Payment information for premium features (processed through secure third-party providers)

Automatically Collected Information

Our platform automatically gathers certain technical information to improve functionality and security:

• IP address, browser type, and device information
• Usage patterns, feature interactions, and session duration
• Error logs and performance metrics
• Cookies and similar tracking technologies (with your consent where required)

How We Use Your Information

We use the information we collect for specific, legitimate purposes that align with providing you excellent financial modeling services:

• Delivering core platform functionality and scenario modeling features
• Personalizing your experience based on your modeling preferences
• Providing customer support and responding to your inquiries
• Improving our platform through usage analysis and feedback
• Sending important updates about your account or service changes
• Maintaining platform security and preventing unauthorized access
• Complying with legal obligations and regulatory requirements in Canada

Information Sharing and Disclosure

We maintain strict controls over who can access your information. Here's when and how we might share your data:

Service Providers

We work with trusted third-party companies that help us deliver our services. These providers have access only to the information necessary for their specific functions and are bound by confidentiality agreements:

• Cloud hosting and data storage providers
• Payment processors for subscription management
• Email service providers for account communications
• Analytics services that help us understand platform usage

Legal Requirements

We may disclose your information when required by Canadian law or when necessary to:

• Respond to legal process, court orders, or government requests
• Protect our rights, property, or safety, or that of our users
• Investigate potential violations of our terms of service
• Comply with financial regulations applicable to our industry

Your Privacy Rights

Under Canadian privacy law, including PIPEDA (Personal Information Protection and Electronic Documents Act), you have significant rights regarding your personal information:

To exercise any of these rights, contact our privacy team using the information provided at the end of this policy. We'll respond to your request within 30 days and may ask you to verify your identity to protect your information.

Data Security and Protection

We employ multiple layers of security to protect your information from unauthorized access, alteration, disclosure, or destruction:

Technical Safeguards

• Industry-standard encryption for data transmission and storage
• Regular security assessments and penetration testing
• Multi-factor authentication for account access
• Automated monitoring for suspicious activities
• Regular software updates and security patches

Administrative Controls

• Strict access controls limiting employee access to personal data
• Regular privacy and security training for all staff
• Comprehensive data handling policies and procedures
• Incident response plan for potential security breaches

Data Retention and Deletion

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, and resolve disputes.

Retention Periods

• Active account data: Retained while your account remains active
• Financial modeling scenarios: Kept for 7 years after account closure for regulatory compliance
• Communication records: Maintained for 3 years for customer service purposes
• Technical logs: Automatically deleted after 2 years unless required for security investigations
• Marketing preferences: Removed immediately upon unsubscribing

When we no longer need your information, we securely delete or anonymize it using industry-standard methods. You can request earlier deletion of your data, though we may need to retain certain information for legal compliance.

International Data Transfers

While our primary operations are based in Canada, some of our service providers may process your information outside of Canada. When this occurs:

• We ensure adequate protection through contractual safeguards and privacy frameworks
• We work only with providers that meet Canadian privacy standards
• We maintain oversight of all international data processing activities
• We provide transparency about where your data may be processed

If you have concerns about international data transfers, please contact our privacy team to discuss your specific situation and available options.

Cookies and Tracking Technologies

Our platform uses cookies and similar technologies to enhance your experience and provide essential functionality:

Essential Cookies

These cookies are necessary for basic platform functionality and cannot be disabled:

• Session management and authentication
• Security and fraud prevention
• Load balancing and performance optimization

Analytics and Performance Cookies

With your consent, we use these cookies to understand how you interact with our platform and identify areas for improvement. You can manage these preferences in your account settings or browser configuration.

Updates to This Privacy Policy

We review and update this privacy policy regularly to reflect changes in our practices, technology, and applicable laws. When we make significant changes, we will:

• Notify you via email at least 30 days before changes take effect
• Post the updated policy on our website with a new effective date
• Provide a summary of key changes in plain language
• Give you the opportunity to review and accept new terms where required

Your continued use of our platform after policy updates indicates your acceptance of the revised terms. If you disagree with changes, you can close your account before they take effect.