Information We Collect
At BrightIQ Connector, we collect information that helps us provide better budgeting tools and financial guidance. The data we gather falls into several categories, each serving specific purposes in enhancing your experience with our platform.
Account Information
When you create an account, we collect your name, email address, and contact details. This basic information allows us to maintain your account and communicate important updates about our services.
Financial Data
We collect budgeting information you choose to input, including expense categories, income ranges, and savings goals. This data remains encrypted and helps generate personalized budgeting recommendations.
Usage Analytics
We track how you interact with our platform through cookies and similar technologies. This includes pages visited, features used, and time spent on different sections to improve our user experience.
Important Note About Sensitive Data
We never collect your actual bank account numbers, credit card details, or social insurance numbers. Our platform works with budget categories and general financial patterns rather than specific account information.
How We Use Your Data
Your information serves several key purposes within our budgeting platform. We use collected data to personalize your financial planning experience and provide relevant guidance based on Canadian financial practices and regulations.
The budgeting recommendations you receive are generated using your spending patterns and savings goals. We analyze this information to suggest realistic budget adjustments and highlight areas where you might optimize your finances.
Communication purposes include sending you monthly budget summaries, educational content about personal finance, and notifications about new features that might benefit your financial planning. You control the frequency and types of communications through your account settings.
Educational Content Personalization
Based on your budgeting patterns, we may recommend specific educational resources or highlight financial topics relevant to your situation. This helps you build stronger financial literacy alongside practical budgeting skills.
Data Sharing and Third Parties
We maintain strict policies about sharing your personal information. BrightIQ Connector does not sell your data to marketing companies or third-party advertisers. Your financial information stays within our secure platform environment.
Limited sharing occurs only in specific circumstances. We work with trusted service providers who help maintain our platform infrastructure, including cloud hosting services and email communication tools. These partners operate under strict confidentiality agreements and cannot use your data for their own purposes.
Legal requirements may occasionally require us to share information with Canadian authorities if compelled by court orders or regulatory investigations. We notify users about such requests when legally permitted to do so.
Service Providers
Cloud hosting, email services, and analytics tools that support our platform operations under strict data protection agreements.
Legal Compliance
Canadian regulatory authorities when required by law, with advance notice to users whenever legally possible.
Your Privacy Rights
As a Canadian resident using our services, you have comprehensive rights regarding your personal information. These rights align with federal and provincial privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
- Access your personal data and receive copies of information we store about you
- Correct inaccurate information or update outdated details in your account
- Delete your account and associated data, with some exceptions for legal compliance
- Restrict certain types of data processing while maintaining basic account functionality
- Export your budgeting data in portable formats for use with other financial tools
- Withdraw consent for optional data collection activities at any time
- File complaints with provincial privacy commissioners if you believe your rights have been violated
Exercising Your Rights
To request access, corrections, or deletions, contact our privacy team through the information provided below. We respond to most requests within 30 days and provide detailed explanations if any limitations apply to your request.
Security Measures
Protecting your financial information requires multiple layers of security. We implement industry-standard encryption protocols to safeguard data both in transit and at rest on our servers.
Encryption Standards
All data transmissions use TLS 1.3 encryption, while stored information is protected with AES-256 encryption standards meeting Canadian government security requirements.
Access Controls
Employee access to personal data is strictly limited based on job responsibilities, with regular audits and mandatory privacy training for all staff members.
Infrastructure Security
Our servers are hosted in Canadian data centers with 24/7 monitoring, redundant backups, and physical security measures meeting financial industry standards.
Regular Audits
We conduct quarterly security assessments and annual third-party audits to identify and address potential vulnerabilities in our systems.
Data Retention and Deletion
We retain your personal information only as long as necessary to provide our budgeting services and comply with Canadian legal requirements. Different types of data have varying retention periods based on their purpose and regulatory obligations.
Account information and budgeting data remain active while you use our services. When you close your account, most personal information is deleted within 90 days. However, some records may be retained longer to comply with financial record-keeping requirements or resolve outstanding issues.
Communication logs and support interactions are kept for three years to help us improve our services and resolve any future inquiries you might have. Anonymous usage analytics may be retained indefinitely to help us understand platform performance and user needs.
Scheduled Data Reviews
Every six months, our systems automatically review stored data to delete information that has exceeded its retention period. You can also request immediate deletion of specific data categories through your account settings.
International Data Transfers
BrightIQ Connector primarily stores and processes your data within Canada. However, some of our service providers may have infrastructure components located in the United States, particularly for cloud computing and email services.
Any international transfers occur under strict contractual protections that meet Canadian privacy law requirements. Our service agreements include specific clauses ensuring that foreign providers maintain equivalent privacy protections to Canadian standards.
You have the right to know when your data is transferred outside Canada and can request that we restrict such transfers where technically feasible. We will inform you of any significant changes to our data storage locations.
Privacy Contact Information
Questions about this privacy policy or concerns about how we handle your personal information can be directed to our privacy team. We're committed to addressing your inquiries promptly and transparently.
For formal privacy complaints or if you're not satisfied with our response, you may also contact the Office of the Privacy Commissioner of Canada or your provincial privacy authority.