Privacy Policy

Introduction

toravianquith ("we," "our," or "us") operates toravianquith.com and provides budgeting and financial management services. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

We are committed to protecting your personal information and your right to privacy. This policy complies with Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

Information We Collect

Personal Information

When you use our budgeting platform, we may collect the following types of personal information:

• Contact details: name, email address, phone number, mailing address
• Financial information: income details, expense categories, budget goals
• Account information: username, password (encrypted), security questions
• Transaction data: spending patterns, financial categories, budget tracking information
• Communication records: support tickets, email correspondence, feedback

Technical Information

Our website automatically collects certain technical information:

• Device information: IP address, browser type, operating system
• Usage data: pages viewed, time spent on site, click patterns
• Cookies and tracking technologies: session cookies, preference cookies
• Location data: general geographic location based on IP address

How We Use Your Information

We use the information we collect for several legitimate business purposes:

Service Provision

Your financial and personal information is essential for delivering our budgeting services. We analyze your spending patterns to provide personalized recommendations, track your progress toward financial goals, and generate reports that help you understand your financial habits.

Communication

We use your contact information to send important updates about your account, respond to your inquiries, and provide customer support. With your consent, we may also send educational content about budgeting and financial management.

Information Sharing and Disclosure

We do not sell, trade, or otherwise transfer your personal information to third parties without your explicit consent, except in the following circumstances:

Service Providers

We may share information with trusted service providers who assist us in operating our platform:

• Cloud hosting providers for secure data storage
• Email service providers for communication delivery
• Analytics providers for website performance monitoring
• Customer support platforms for ticket management

Legal Requirements

We may disclose your information when required by Canadian law or to protect our rights, including:

• Compliance with legal obligations and court orders
• Protection against fraud and security threats
• Enforcement of our terms of service
• Protection of our users' safety and rights

Data Security

We implement comprehensive security measures to protect your personal information:

Technical Safeguards

• 256-bit SSL encryption for all data transmission
• Advanced encryption for sensitive financial data at rest
• Multi-factor authentication for account access
• Regular security audits and vulnerability assessments
• Secure data centers with physical access controls

Administrative Controls

• Employee background checks and confidentiality agreements
• Limited access to personal information on a need-to-know basis
• Regular security training for all staff members
• Incident response procedures for potential data breaches

While we strive to use commercially acceptable means to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to maintaining the highest possible standards.

Your Privacy Rights

Under Canadian privacy law, you have several rights regarding your personal information:

Access and Correction

You have the right to access your personal information and request corrections if it's inaccurate or incomplete. You can review most of your information through your account dashboard or by contacting us directly.

Withdrawal of Consent

You may withdraw your consent for certain uses of your information at any time, subject to legal or contractual restrictions. This may affect our ability to provide certain services.

Data Portability

You can request a copy of your personal information in a structured, commonly used format. We provide export functions within your account for downloading your budgeting data.

Account Deletion

You may request deletion of your account and associated personal information. We will retain some information as required by law or for legitimate business purposes, such as fraud prevention.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected:

Active Accounts

While your account remains active, we retain your information to provide ongoing services and support. You can update or delete information through your account settings at any time.

Inactive Accounts

If you don't access your account for 24 months, we may delete your personal information after providing 60 days' notice to your registered email address. Financial transaction summaries may be retained longer for regulatory compliance.

Legal Requirements

Some information must be retained to comply with Canadian financial regulations and tax requirements. This includes transaction records and certain identification information, which we retain for seven years after account closure.

Cookies and Tracking

Our website uses cookies and similar technologies to enhance your experience:

Essential Cookies

These cookies are necessary for the website to function and cannot be disabled. They include session management, security features, and login authentication.

Preference Cookies

We use these cookies to remember your settings and preferences, such as language selection, dashboard layout, and notification preferences.

Analytics Cookies

With your consent, we use analytics cookies to understand how visitors interact with our website. This helps us improve our platform and user experience.

You can manage your cookie preferences through your browser settings. Disabling certain cookies may limit some functionality of our platform.

International Data Transfers

While toravianquith operates primarily in Canada, some of our service providers may process information outside of Canada. When this occurs:

• We ensure appropriate safeguards are in place to protect your information
• Service providers must meet Canadian privacy standards through contractual agreements
• Data transfers are limited to countries with adequate privacy protections
• We regularly review and audit our international service providers

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. When we make significant changes:

• We will notify you by email at least 30 days before changes take effect
• We will post a notice on our website highlighting the changes
• For material changes affecting your rights, we may request renewed consent
• The updated policy will include the effective date at the top of this page

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.