Introduction and Our Commitment

At loranthiquess, we understand that your relationship with money goes beyond simple numbers—it's deeply personal and psychological. When you engage with our budget psychology platform, you're sharing sensitive information about your financial habits, goals, and challenges. We take this trust seriously.

This privacy policy explains how we collect, use, store, and protect your personal information in compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. We believe transparency builds trust, which is why we've written this policy in plain English.

Information We Collect

Understanding your financial psychology requires different types of information. Here's what we collect and why:

We collect this information when you voluntarily provide it through account registration, platform usage, or direct communication with us. We also gather technical data automatically through cookies and similar technologies to ensure our platform functions properly.

How We Use Your Information

Your information serves specific purposes that directly benefit your experience with loranthiquess:

• Providing personalized budget psychology insights and recommendations
• Delivering educational content tailored to your financial behavioral patterns
• Maintaining and improving our platform's functionality and security
• Communicating important updates about your account or our services
• Conducting research to better understand financial psychology (using anonymized data only)
• Complying with legal obligations and protecting against fraud

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

Data Sharing and Third Parties

We work with carefully selected service providers to deliver our platform, but we maintain strict controls over how your data is handled:

• Cloud hosting providers for secure data storage and platform operation
• Email service providers for account communications and educational content delivery
• Analytics services to understand platform performance (using anonymized data)
• Payment processors for subscription billing (they handle payment data directly)
• Legal and compliance advisors when required by law or to protect user safety

All third-party providers sign data processing agreements that require them to protect your information according to Canadian privacy standards. They can only use your data for the specific services they provide to us.

We may share aggregated, anonymized data for research purposes or industry reports, but this data cannot be traced back to individual users.

Data Security and Protection

Protecting your financial and personal information is our top priority. We employ multiple layers of security:

• End-to-end encryption for all data transmission and storage
• Multi-factor authentication for account access
• Regular security audits and penetration testing
• Employee access controls and privacy training
• Secure data centers with physical and digital safeguards
• Incident response procedures for any potential breaches

While we implement industry-leading security measures, no system is completely immune to threats. We continuously monitor and update our security practices to stay ahead of emerging risks.

Data Retention and Deletion

We retain your personal information only as long as necessary to provide our services and comply with legal requirements:

• Active account data: Retained while your account remains active
• Financial transaction records: Kept for 7 years as required by Canadian tax law
• Communication logs: Retained for 2 years for service quality purposes
• Analytics data: Anonymized after 18 months
• Deleted account data: Permanently removed within 90 days of account closure

When data reaches its retention limit, we securely delete it using industry-standard data destruction methods. Some information may be retained longer if required by legal obligations or ongoing disputes.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience and understand how our platform is used:

• Essential cookies for platform functionality and security
• Analytics cookies to understand user behavior and improve features
• Preference cookies to remember your settings and customizations

You can control cookie settings through your browser preferences, but disabling certain cookies may affect platform functionality. We don't use advertising cookies or track you across other websites.

International Data Transfers

Your data is primarily stored and processed in Canada. When we use service providers located outside Canada, we ensure they provide adequate protection for your personal information through:

• Contractual safeguards that meet Canadian privacy standards
• Regular audits of international data processing practices
• Compliance with recognized international privacy frameworks

We never transfer data to countries with inadequate privacy protections without your explicit consent and appropriate safeguards.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notices on our platform
• Updated effective date at the top of this policy

We encourage you to review this policy regularly to stay informed about how we protect your privacy. Continued use of our platform after policy changes indicates your acceptance of the updated terms.