Privacy Policy

When you create an account with finoravexulta or use our budget control services, we collect different types of information to provide you with personalized financial management tools. This information helps us understand your spending patterns and deliver relevant budgeting insights.

We also collect information automatically through cookies and similar tracking technologies to improve your experience and provide personalized recommendations for your financial goals.

finoravexulta uses your personal information primarily to deliver effective budget management services and help you achieve better financial control. Our data processing activities are designed to support your financial wellness journey while maintaining strict privacy standards.

• Provide personalized budget tracking and spending analysis based on your transaction history
• Send account notifications, budget alerts, and spending summaries via email or push notifications
• Improve our platform functionality through usage analytics and user behavior patterns
• Detect and prevent fraudulent activities or unauthorized access to your account
• Comply with legal obligations under Canadian financial services regulations
• Develop new features and services that align with user needs and market trends

finoravexulta takes a conservative approach to sharing your personal information. We never sell your data to third parties or use it for advertising purposes outside of our platform. However, certain limited sharing scenarios may occur to deliver our services effectively.

We may share your information with:

• Financial institution partners who facilitate secure bank connections through encrypted API integrations
• Cloud service providers who host our infrastructure under strict data processing agreements
• Customer support specialists within our organization who need access to resolve your account issues
• Legal authorities when required by Canadian law or to protect against fraud and abuse
• Business partners only with your explicit consent for specific features you choose to activate

All third-party services that handle your data are contractually bound to maintain the same privacy standards we uphold. They cannot use your information for their own purposes or retain it longer than necessary for providing their specific services.

Protecting your financial information is our highest priority. finoravexulta employs multiple layers of security measures that meet or exceed industry standards for financial technology companies operating in Canada.

Our security framework includes:

• 256-bit encryption for all data transmission between your device and our servers
• Advanced firewall systems and intrusion detection monitoring around the clock
• Regular security audits conducted by independent cybersecurity firms
• Multi-factor authentication options to secure your account access
• Automatic session timeouts and suspicious activity detection systems
• Secure data centers located in Canada with physical access controls

finoravexulta retains your personal information only as long as necessary to provide our services and meet legal obligations. Our data retention practices balance your privacy rights with practical business needs and regulatory requirements.

Generally, we retain different types of information for these periods:

• Account information: Retained while your account is active, plus 7 years after account closure for tax and audit purposes
• Transaction data: Kept for 7 years to comply with Canadian financial record-keeping requirements
• Usage analytics: Anonymized and retained for up to 3 years to improve our services
• Marketing communications: Deleted immediately upon unsubscribing from our mailing lists
• Customer support records: Maintained for 2 years to track service quality and resolution patterns

When you request account deletion, we begin the removal process within 30 days. Some information may be retained in anonymized form for statistical analysis, but no personally identifiable details remain after the deletion process completes.

finoravexulta uses cookies and similar technologies to enhance your browsing experience and provide personalized features. These small data files help us remember your preferences and improve platform performance.

• Essential cookies that enable core functionality like user authentication and security features
• Analytics cookies to understand how users interact with different parts of our platform
• Preference cookies that remember your dashboard customizations and notification settings
• Security cookies that help detect suspicious activity and protect against unauthorized access

You can control cookie settings through your browser preferences, though disabling certain cookies may affect platform functionality. We don't use advertising cookies or share cookie data with external marketing companies.

finoravexulta primarily processes and stores your data within Canada to ensure compliance with Canadian privacy laws. However, some limited data processing may occur outside Canada when necessary for service delivery or technical support.

When international transfers occur, we ensure appropriate safeguards are in place:

• Data processing agreements that require foreign processors to maintain Canadian privacy standards
• Technical measures like encryption that protect data during transmission and storage
• Regular audits of international partners to verify compliance with privacy commitments
• Immediate notification protocols if any international processor experiences security incidents

finoravexulta may update this privacy policy periodically to reflect changes in our practices, legal requirements, or platform features. We believe in transparency about any modifications that might affect how we handle your personal information.

When significant changes occur, we will:

• Send email notifications to all active users at least 30 days before changes take effect
• Display prominent notices on our platform highlighting key modifications
• Provide side-by-side comparisons showing exactly what has changed from the previous version
• Allow you to review and accept updated terms before continuing to use our services

Minor updates, such as contact information changes or clarifications that don't affect your rights, will be updated immediately with notation of the revision date.