Privacy Policy
Last updated: December 2024
Introduction
Planexia ("we", "our", or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our retirement planning application.
Information We Collect
Personal Information
When you create an account, we collect:
- Email address
- Name (optional)
- Date of birth (for retirement calculations)
- Province of residence (for tax calculations)
Financial Information
To provide retirement projections, you may choose to enter:
- Income information
- Asset values (RRSP, TFSA, investments)
- Liability information (mortgage, debts)
- Pension details (QPP, OAS estimates)
How We Use Your Information
We use your information to:
- Provide retirement planning calculations and projections
- Generate personalized recommendations
- Create exportable reports (PDF, Excel)
- Send account-related communications
- Improve our services
Data Security
We implement industry-standard security measures including:
- 256-bit SSL encryption for all data transmission
- Encryption at rest for stored data
- Regular security audits
- Access controls and authentication
Data Sharing
We do not sell your personal information. We may share data only:
- With your explicit consent
- To comply with legal obligations
- With service providers who assist in operating our platform (under strict confidentiality agreements)
Your Rights
Under PIPEDA and applicable privacy laws, you have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion of your data
- Export your data
- Withdraw consent
Data Retention
We retain your data as long as your account is active. You can request deletion at any time by contacting us or through your account settings. Upon deletion, your data will be permanently removed within 30 days.
Contact Us
For privacy-related questions or to exercise your rights, contact us at:
Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date.