Privacy Policy
Last Updated: February 15, 2025
Introduction
At draveniolora, we understand that your privacy matters. This comprehensive privacy policy explains how we collect, use, store, and protect your personal information when you use our goal budget planning platform. We're committed to maintaining the highest standards of data protection while helping you achieve your financial planning objectives.
Our platform operates in compliance with Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), and we continuously update our practices to reflect evolving privacy standards and user expectations.
Information We Collect
Personal Information
When you create an account or use our budget planning services, we collect information that helps us provide personalized financial planning assistance:
- Full name and email address for account creation
- Phone number for account verification and important notifications
- Date of birth to ensure age-appropriate financial planning recommendations
- Mailing address for service delivery and regulatory compliance
- Employment information to better understand your income patterns
- Financial goals and objectives you've shared with our platform
Financial Data
To provide effective budget planning services, we collect financial information that you voluntarily provide:
- Income sources and amounts for accurate budget calculations
- Monthly expenses across different categories
- Savings goals and target amounts
- Debt information including amounts and payment schedules
- Investment preferences and risk tolerance assessments
- Banking information for account linking (encrypted and secure)
Technical Information
We automatically collect certain technical information to improve our service and ensure security:
- IP address and geographic location data
- Browser type, version, and operating system
- Device identifiers and mobile device information
- Usage patterns and feature interaction data
- Session duration and page visit information
- Error logs and performance metrics
How We Use Your Information
Service Provision
Your information helps us deliver personalized budget planning services. We analyze your financial data to create customized budgets, track your progress toward goals, and provide relevant financial insights. This includes generating spending reports, identifying savings opportunities, and offering tailored recommendations based on your specific financial situation.
Communication and Support
We use your contact information to send important updates about your account, respond to your inquiries, and provide customer support. This includes notifications about significant changes to your budget, achievement of financial milestones, and relevant platform updates that might affect your planning.
Security and Fraud Prevention
Your information helps us maintain platform security by monitoring for suspicious activities, preventing unauthorized access, and protecting against fraudulent transactions. We analyze usage patterns to identify potential security threats and ensure the integrity of your financial data.
Your Privacy Rights
Under Canadian privacy law, you have several important rights regarding your personal information:
Access Your Data
You can request a complete copy of all personal information we hold about you. We'll provide this information in a clear, understandable format within 30 days of your request.
Correct Information
If any of your personal information is inaccurate or incomplete, you have the right to have it corrected. You can update most information directly through your account settings.
Delete Your Account
You can request deletion of your account and associated data. We'll remove your information within 30 days, except where we're required by law to retain certain records.
Data Portability
You can request your data in a machine-readable format to transfer to another service provider. We'll provide your information in commonly used file formats.
Exercising Your Rights
To exercise any of these rights, contact our privacy team at info@draveniolora.com or call +17804564488. We'll respond to all requests within 30 days and verify your identity before processing any changes to your account.
Data Security Measures
We implement comprehensive security measures to protect your personal and financial information from unauthorized access, disclosure, or misuse:
Encryption
All data transmission uses industry-standard TLS encryption. Your sensitive information is encrypted both in transit and at rest using AES-256 encryption protocols.
Access Controls
We maintain strict access controls with multi-factor authentication requirements for all staff accessing user data. Access is limited to authorized personnel only.
Regular Audits
Our security practices undergo regular third-party audits and penetration testing to identify and address potential vulnerabilities before they can be exploited.
Data Centers
Your data is stored in secure, Canadian data centers with 24/7 monitoring, redundant systems, and strict physical security measures including biometric access controls.
Information Sharing
Service Providers
We work with trusted third-party service providers to deliver our platform's functionality. These include payment processors for subscription management, analytics providers for service improvement, and cloud infrastructure providers for data storage. All service providers are bound by strict confidentiality agreements and are required to maintain the same level of data protection that we do.
Legal Requirements
We may disclose your information when required by law, such as in response to valid court orders, subpoenas, or regulatory investigations. We'll notify you of such requests unless prohibited by law, and we'll only disclose the minimum information necessary to comply with legal requirements.
Business Transfers
In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the new entity. We'll provide notice of any such transfer and ensure the receiving party maintains the same privacy protections outlined in this policy.
Data Retention
We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Here's how long we keep different types of information:
Account Information
Active account data is retained for the duration of your account plus seven years after closure to comply with financial record-keeping requirements. This includes your basic profile information, financial goals, and budget history.
Financial Data
Financial information is retained for seven years after your last transaction or account activity, as required by Canadian financial regulations. However, you can request earlier deletion of specific data points that aren't subject to regulatory retention requirements.
Technical Data
Log files and technical data are typically retained for 90 days for security monitoring purposes, then automatically deleted unless needed for ongoing security investigations or system maintenance.
Cookies and Tracking
Our platform uses cookies and similar technologies to enhance your experience and provide personalized services. We use several types of cookies:
Essential Cookies
These cookies are necessary for the platform to function properly. They enable core features like user authentication, security measures, and basic navigation. These cookies don't collect personally identifiable information and can't be disabled through our cookie settings.
Functional Cookies
Functional cookies remember your preferences and settings to provide a more personalized experience. This includes your preferred dashboard layout, notification settings, and display preferences. You can disable these cookies, though doing so may limit some platform features.
Analytics Cookies
We use analytics cookies to understand how users interact with our platform, which helps us improve our services. These cookies collect aggregated, anonymized data about page visits, feature usage, and user pathways through the platform.
International Data Transfers
While we primarily store and process your data within Canada, some of our service providers may process data outside of Canada. When this occurs, we ensure appropriate safeguards are in place to protect your information according to Canadian privacy standards.
Any international transfers comply with PIPEDA requirements and include contractual protections that require the same level of privacy protection that would be provided in Canada. We regularly review and audit our international service providers to ensure ongoing compliance.
Children's Privacy
Our platform is designed for users who are 18 years of age or older. We don't knowingly collect personal information from children under 18. If you're under 18, please don't use our platform or provide any personal information to us.
If we learn that we've collected personal information from a child under 18, we'll delete that information as quickly as possible. If you believe we might have information from or about a child under 18, please contact us immediately at info@draveniolora.com.
Changes to This Policy
We may update this privacy policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make significant changes, we'll notify you through your account dashboard and by email at least 30 days before the changes take effect.
We encourage you to review this policy regularly to stay informed about how we protect your information. The "Last Updated" date at the top of this policy indicates when it was most recently revised.
Contact Our Privacy Team
Email: info@draveniolora.com
Phone: +17804564488
Address:
draveniolora Privacy Office
510 19e Avenue
Lachine, QC H8S 3S5
Canada
Our privacy team is available Monday through Friday, 9 AM to 5 PM Eastern Time. We're committed to addressing your privacy concerns and will respond to all inquiries within 48 hours during business days.