Privacy Policy

1. Introduction

At BudgetLogicPro, the protection of your personal information is our absolute priority. This Privacy Policy transparently informs you about the data we collect, how we process it, and what control options you have over your information when using our financial planning services.

Our data processing practices comply with applicable Canadian data protection laws and the General Data Protection Regulation (GDPR) of the EU, to the extent that it applies to our financial planning service activities.

2. Collection and Processing of Personal Data

The collection and processing of your data is exclusively intended to provide, improve and personalize our financial planning services. This includes:

2.1. Data you actively provide:

Registration data such as name, email address, phone number and financial service preferences
Payment information when subscribing to our paid services
Budget-related data, custom categories and financial objectives entered

2.2. Data collected automatically:

Technical information such as IP address, device type and browser version when using our platform
Application usage history and budget management behavior analysis data
Categorization preferences and analyses to optimize our financial planning features

2.3. Cookies and tracking technologies: We use essential cookies and, with your consent, analytical cookies to continuously improve our platform. You can adjust your cookie settings at any time in your browser or use our site without optional cookies.

3. Purposes of Data Processing

We process your personal data for the following purposes:

Account Management – To organize and personalize your financial planning experience and your tracking preferences
User Administration – To manage your subscriptions, data synchronization, payments and sending relevant information
Budget Analysis – To generate personalized reports and analysis of your financial planning habits
Service Improvement – To continuously improve our features and user experience

4. Legal Basis for Processing

Our data processing is based on the following legal grounds:

Contract execution when providing our financial planning services
Legitimate interest in improving our platform and optimizing our features
Compliance with legal obligations, particularly regarding financial data retention
Your explicit consent for certain analytical data and marketing communications

5. Disclosure to Third Parties

We only share your data with third parties in the following cases:

Payment service providers – For secure processing of your subscription payments
IT service providers – For the operation of our platform and hosting of your data within the framework of contractual processing
Technical partners – With your explicit consent, we may share anonymized data with analysis partners

We will never share your data with unaffiliated third parties for advertising purposes.

6. Data Security

To protect your data, we implement advanced security measures, including encryption of data in transit and at rest, secure storage and strict access controls. We pay particular attention to the protection of your budget and personal financial data.

All physical documents containing personal data are stored in locked cabinets and securely destroyed after the expiration of legal retention periods.

7. Data Retention and Deletion

Your data is only kept for the time necessary for the indicated purposes:

Account and subscription data is kept for the duration of service provision plus legal retention periods.
Budget data is kept for a maximum of 7 years after account closure.
Payment data is kept in accordance with legal requirements for up to 10 years.

You have the right to request early deletion of your data at any time, subject to there being no contrary legal retention obligation.

8. Your Rights

As a user, you have the following rights:

Access to your stored personal data
Rectification of inaccurate or incomplete data
Deletion of your data under legally provided conditions
Processing limitation under certain conditions
Data portability in a structured and commonly used format
Objection to processing based on legitimate interest

To exercise these rights, contact us by email at contact@budgetlogicpro.com or in person at our office.

9. Specific GDPR Provisions

As a Canadian organization with users in the EU region, we follow the principles of the General Data Protection Regulation (GDPR) and guarantee the following rights:

Cross-border data transfers – When transferring data to countries outside the EU/EEA, we ensure that appropriate protection measures are in place, such as standard contractual clauses or adequacy decisions.
Data Protection Officer – Our Data Protection Officer is available for any questions regarding the processing of your data and can be contacted at contact@budgetlogicpro.com.
Right to complain – You have the right to lodge a complaint with a data protection supervisory authority, particularly in the EU member state of your residence, workplace or the place of the alleged violation.
Data minimization – We only collect data necessary for the indicated purposes and keep it only for the time necessary and legally required.

For EU citizens using our services, additional protections apply in accordance with GDPR, including extended information obligations and stricter consent requirements.

10. Privacy Policy Modifications

We reserve the right to update this Privacy Policy as needed to comply with legal requirements or organizational changes. The current version will always be published on our website.

In case of significant changes, we will inform our users by email or via a notification on our platform.

If you have questions about the protection of your data, we are available at any time by phone or email. The protection of your data is not only a legal obligation for us, but an essential element of our commitment to providing a secure and trustworthy environment for your personal financial planning.