Privacy Policy
Effective Date: March 15, 2025
Introduction
valoryphendro ("we," "our," or "us") operates valoryphendro.com and is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our budgeting platform services. We comply with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
By accessing or using our services, you consent to the collection and use of information in accordance with this policy. If you do not agree with our policies and practices, please do not use our services.
Information We Collect
We collect several types of information from and about users of our services:
How We Use Your Information
We use the information we collect for various purposes, all aimed at providing and improving our budgeting services:
Your financial data is processed to provide personalized budgeting recommendations, track your spending patterns, and generate financial insights. We analyze your transaction history to categorize expenses and identify areas where you might save money.
We also use your information to communicate with you about account updates, security alerts, and educational content related to financial wellness. Marketing communications are sent only with your explicit consent, and you can opt out at any time.
Technical data helps us maintain platform security, troubleshoot issues, and optimize our services for better performance across different devices and browsers.
Information Sharing and Disclosure
We do not sell, trade, or otherwise transfer your personal information to third parties without your consent, except in the following circumstances:
All third-party service providers are bound by confidentiality agreements and are required to maintain the same level of data protection that we provide.
Your Privacy Rights
Access Rights
You have the right to request a copy of all personal information we hold about you. We will provide this information in a readable format within 30 days.
Correction Rights
You can request corrections to any inaccurate or incomplete personal information. We will update your records promptly upon verification.
Deletion Rights
You may request deletion of your personal information, subject to legal and regulatory requirements for record retention.
Portability Rights
You can request your data in a machine-readable format to transfer to another service provider.
Data Retention
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected:
| Data Type | Retention Period | Purpose |
|---|---|---|
| Account Information | Duration of account + 7 years | Legal compliance, tax records |
| Financial Transactions | 7 years from transaction date | Regulatory requirements, dispute resolution |
| Communication Records | 3 years from last contact | Customer service, support history |
| Technical Logs | 2 years from collection | Security monitoring, system optimization |
Security Measures
We implement comprehensive security measures to protect your personal information:
Encryption Technology
All data transmission uses TLS 1.3 encryption, and sensitive data is encrypted at rest using AES-256 encryption standards.
Access Controls
Multi-factor authentication and role-based access controls limit who can access your information within our organization.
Regular Monitoring
Continuous security monitoring and regular penetration testing help identify and address potential vulnerabilities.
Data Backup
Secure, encrypted backups ensure data recovery capabilities while maintaining the same privacy protections.
International Data Transfers
While valoryphendro operates primarily within Canada, some of our service providers may process data outside of Canada. When international transfers occur, we ensure adequate protection through:
Contractual safeguards that require the same level of protection as Canadian privacy laws, regular audits of international service providers, and immediate notification if data protection standards cannot be maintained.
We will always inform you if your data will be processed outside Canada and obtain your consent when required by law.
Cookies and Tracking
Our website uses cookies and similar tracking technologies to enhance your browsing experience. These include essential cookies for platform functionality, analytics cookies to understand usage patterns, and preference cookies to remember your settings.
You can control cookie settings through your browser, but disabling certain cookies may affect website functionality. We do not use cookies for targeted advertising or sell cookie data to third parties.
Children's Privacy
Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we discover that we have collected information from a child without parental consent, we will delete that information immediately.
Parents or guardians who believe their child has provided us with personal information should contact us immediately using the information provided below.
Changes to This Policy
We may update this Privacy Policy periodically. We will notify you of any material changes by email and by posting the new policy on our website with an updated effective date.
Continued use of our services after policy changes constitutes acceptance of the updated terms. We encourage you to review this policy regularly to stay informed about how we protect your information.
Contact Information
Privacy Officer
Carievale School
ANTLER ST
Carievale, SK S0C 0P0, Canada
Phone: +14036854449
Email: info@valoryphendro.com
For privacy-related inquiries, complaints, or to exercise your privacy rights, please contact our Privacy Officer. We will respond to all requests within 30 days and work with you to resolve any concerns about our privacy practices.