Privacy Policy

Your privacy matters to us at Onlineranvexor

Last updated: March 15, 2025

Introduction

At Onlineranvexor, we understand that your personal information is valuable and deserves protection. This Privacy Policy explains how we collect, use, store, and safeguard your data when you use our budgeting platform and financial education services.

We're committed to transparency in our data practices. This policy covers all interactions with our platform, from account creation to ongoing use of our budgeting tools and educational resources.

Information We Collect

Personal Information

When you create an account or use our services, we collect various types of information to provide you with personalized budgeting assistance:

  • Name, email address, and phone number for account creation
  • Financial information including income, expenses, and budgeting goals
  • Banking connection details when you link accounts (encrypted and secure)
  • Transaction data to help categorize and track spending patterns
  • Profile preferences and customization settings
  • Communication preferences and notification settings

Technical Information

We automatically collect certain technical information to improve our platform performance and security:

  • IP address and geographic location data
  • Device information including browser type and operating system
  • Usage patterns and feature interaction data
  • Session duration and frequency of platform visits
  • Error logs and diagnostic information

How We Use Your Information

Primary Purpose: We use your data primarily to provide personalized budgeting assistance and financial education tailored to your specific situation and goals.

Service Provision

Your information helps us deliver core platform features including budget creation, expense tracking, and financial goal setting. We analyze your spending patterns to provide insights and recommendations.

We also use your data to customize educational content, suggesting relevant articles, webinars, and resources based on your financial situation and interests.

Communication and Support

We use your contact information to send important account updates, respond to support inquiries, and deliver educational content you've requested. You can control communication preferences in your account settings.

Data Type Purpose Retention Period
Account Information User authentication and profile management Duration of account plus 2 years
Financial Data Budgeting tools and financial insights 7 years for tax purposes
Usage Analytics Platform improvement and feature development 3 years in aggregated form
Communication Records Customer support and service improvement 5 years

Data Sharing and Third Parties

We maintain strict controls over data sharing and only work with trusted partners who meet our security standards. We never sell your personal information to third parties.

Service Providers

We share limited data with carefully selected service providers who help us operate our platform:

  • Cloud hosting providers for secure data storage
  • Payment processors for subscription and transaction handling
  • Analytics services for platform performance monitoring
  • Customer support tools for efficient issue resolution
  • Email service providers for account communications

Legal Requirements

We may disclose your information when required by law, such as responding to court orders, government requests, or protecting our legal rights. We'll notify you of such requests unless legally prohibited.

Your Privacy Rights

Access Your Data

Request a copy of all personal information we have about you. We'll provide this in a readable format within 30 days.

Correct Information

Update or correct any inaccurate personal information in your account at any time through your profile settings.

Delete Your Account

Request complete deletion of your account and associated data. Some information may be retained for legal compliance.

Limit Processing

Request that we limit how we process your data for specific purposes while maintaining essential account functions.

Data Portability

Export your data in a machine-readable format to transfer to another service provider if desired.

Withdraw Consent

Withdraw consent for data processing activities that require your explicit permission at any time.

Security Measures

We implement comprehensive security measures to protect your financial and personal information. Our security approach includes both technical and administrative safeguards.

Technical Security

All data transmission uses industry-standard SSL encryption. We employ multi-factor authentication, regular security audits, and automated threat detection systems to protect against unauthorized access.

Financial data is encrypted both in transit and at rest using AES-256 encryption. We maintain secure backups and disaster recovery procedures to ensure data availability.

Access Controls

Access to your personal information is restricted to authorized personnel who need it for legitimate business purposes. All staff undergo security training and sign confidentiality agreements.

International Data Transfers

While Onlineranvexor operates primarily in Canada, some of our service providers may process data internationally. We ensure all international transfers comply with applicable privacy laws and maintain adequate protection levels.

For transfers outside Canada, we use standard contractual clauses and adequacy decisions to ensure your data receives equivalent protection regardless of location.

Children's Privacy

Our platform is designed for adults and we do not knowingly collect information from individuals under 18. If we discover that we've inadvertently collected information from a minor, we'll delete it immediately.

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

Changes to This Policy

We review and update this Privacy Policy regularly to reflect changes in our practices or legal requirements. Material changes will be communicated through email notification and prominent platform notices.

Continued use of our platform after policy updates constitutes acceptance of the revised terms. We encourage you to review this policy periodically to stay informed about our privacy practices.

Version Control: This policy version is effective as of March 15, 2025. Previous versions are available upon request for reference purposes.

Privacy Questions or Concerns?

Our privacy team is available to address any questions about this policy or our data practices.

Email: privacy@onlineranvexor.com
Phone: +1 (418) 338-4551
Mail: Privacy Officer, Onlineranvexor
200 - 2881 Garden St, Abbotsford, BC V2T 4X1, Canada

We respond to all privacy inquiries within 48 hours and provide resolution within 30 days.