Privacy Policy

1. Information We Collect

At xylorinavethus, we understand that your financial information requires the highest level of protection. We collect information that helps us provide you with personalized cash flow budgeting services while maintaining strict privacy standards.

Automatic Data Collection

We automatically collect certain technical information including IP addresses, browser type, device information, and log data. This helps us maintain platform security and improve user experience. We also use cookies and similar tracking technologies to remember your preferences and provide personalized content.

2. How We Use Your Information

Your information helps us deliver effective cash flow management tools tailored to your financial situation. We process this data to create accurate budget forecasts, track spending patterns, and provide insights that help you make better financial decisions.

We also use your information to:

• Send important account notifications and security alerts
• Provide customer support and respond to your inquiries
• Improve our services based on user feedback and behavior patterns
• Comply with legal obligations and prevent fraudulent activities
• Send educational content about financial management (with your consent)

Legal Basis for Processing

Under Canadian privacy laws, we process your personal information based on your consent, contractual necessity, legitimate business interests, or legal obligations. You can withdraw consent at any time for non-essential processing activities.

3. Information Sharing and Disclosure

We do not sell, rent, or trade your personal information to third parties. However, we may share your information in specific circumstances to provide our services effectively and comply with legal requirements.

Service Providers

We work with trusted third-party service providers who help us operate our platform, including cloud hosting services, payment processors, and customer support tools. These providers are contractually required to protect your information and use it only for specified purposes.

Legal Requirements

We may disclose your information when required by Canadian law, court orders, or government regulations. We also reserve the right to share information to protect our rights, prevent fraud, or ensure user safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity. We will notify you of such changes and ensure continued protection of your data.

4. Data Security

While we implement comprehensive security measures, no system is completely immune to security breaches. We will notify you promptly if we become aware of any unauthorized access to your personal information.

5. Your Privacy Rights

How to Exercise Your Rights

To exercise any of these rights, contact our privacy team using the information provided below. We will respond to your request within 30 days and may require identity verification to protect your information.

You can also manage many privacy settings directly through your xylorinavethus account dashboard, including communication preferences and data sharing options.

6. Data Retention

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Financial transaction data is typically retained for seven years as required by Canadian financial regulations.

Account information and preferences are kept active while you maintain your xylorinavethus account. After account closure, we may retain certain information for up to three years to resolve disputes or comply with regulatory requirements.

Automated Deletion

Our systems automatically delete temporary files, session data, and expired authentication tokens according to predetermined schedules. You can request immediate deletion of specific data types through your account settings.

7. International Data Transfers

Your personal information is primarily processed and stored within Canada. However, some of our service providers may process data in other countries with adequate privacy protections.

When we transfer data internationally, we ensure appropriate safeguards are in place through contractual protections, adequacy decisions, or other approved mechanisms under Canadian privacy law.

8. Children's Privacy

xylorinavethus's services are designed for adults aged 18 and older. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child, we will take steps to delete it promptly.

Parents or guardians who believe their child has provided personal information to us should contact our privacy team immediately.

9. Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices or legal requirements. Material changes will be communicated through email notifications and prominent notices on our platform.

The updated policy will include a new effective date, and continued use of our services after the effective date constitutes acceptance of the revised policy.