Privacy Policy

Information We Collect

Personal Information

When you create an account with noravexilum or use our budget automation services, we collect information that helps us provide personalized financial management tools. This includes your name, email address, phone number, and billing address. We also gather information about your financial goals and preferences to customize our platform experience.

During the account setup process, you may choose to connect your bank accounts and credit cards through our secure third-party integration partners. This financial data allows our platform to categorize transactions, track spending patterns, and provide automated budgeting recommendations tailored to your habits.

Usage and Device Information

We automatically collect information about how you interact with our platform, including which features you use most frequently, how long you spend reviewing your budgets, and which financial insights you find most valuable. This data helps us improve our automation algorithms and develop new tools that better serve your needs.

How We Use Your Information

The primary purpose of collecting your information is to deliver effective budget automation services. We analyze your spending patterns to create personalized budget categories, set up automatic savings transfers, and send you timely alerts about unusual account activity or approaching budget limits.

Your financial data enables us to generate monthly spending reports, identify opportunities for cost savings, and recommend budget adjustments based on seasonal spending variations or life changes. We never use this information for purposes unrelated to improving your financial management experience.

Communication and Support

We use your contact information to send important account notifications, security alerts, and optional educational content about personal finance management. You can adjust your communication preferences at any time through your account settings or by contacting our support team directly.

Data Sharing and Third Parties

noravexilum works with carefully selected third-party service providers to deliver our budget automation platform. These partners include secure banking data aggregators, cloud hosting services, and payment processors. Each third party is bound by strict contractual agreements that limit their access to your information and prohibit them from using it for any purpose other than providing services to noravexilum.

We may share aggregated, anonymized data with research partners to study broader financial trends and improve budgeting methodologies. This information cannot be used to identify individual users and helps contribute to better financial literacy resources for the broader community.

Legal Requirements

In certain circumstances, we may be required to disclose personal information to comply with Canadian federal and provincial laws, court orders, or regulatory requirements. We will only share the minimum amount of information necessary to satisfy legal obligations and will notify you of such requests when legally permitted to do so.

Your Privacy Rights

As a Canadian resident, you have specific rights regarding your personal information under applicable privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial privacy laws where applicable.

To exercise any of these rights, contact our Privacy Officer using the information provided below. We will respond to your request within 30 days and may require verification of your identity to protect against unauthorized access to your account information.

Data Security and Protection

noravexilum employs multiple layers of security to protect your personal and financial information. All data transmission between your device and our servers is encrypted using industry-standard TLS protocols. Your account information is stored on secure servers with restricted access controls and regular security monitoring.

Our security measures include regular penetration testing, employee background checks, and compliance with Payment Card Industry Data Security Standards (PCI DSS). We also maintain cyber liability insurance and have incident response procedures in place to address any potential data breaches quickly and effectively.

Account Security

You play an important role in protecting your account by choosing a strong, unique password and enabling two-factor authentication when available. Never share your login credentials with others, and log out of your account when using shared or public computers. Report any suspicious account activity to our security team immediately.

Data Retention and Deletion

We retain your personal information for as long as necessary to provide our budget automation services and comply with applicable legal requirements. Active account information is maintained while your account remains open and for a reasonable period after account closure to address any questions or issues that may arise.

Financial transaction data is typically retained for seven years to comply with Canadian financial record-keeping requirements, even after account closure. Anonymous usage statistics may be retained indefinitely for product improvement and research purposes, but this data cannot be linked back to individual users.

When you request account deletion, we will remove your personally identifiable information from our active systems within 90 days. Some information may remain in backup systems for additional time due to technical limitations, but this data is not accessible for operational purposes.

Cookies and Tracking Technologies

noravexilum uses cookies and similar tracking technologies to enhance your experience on our platform. Essential cookies are necessary for basic platform functionality, including maintaining your login session and remembering your dashboard preferences. These cookies cannot be disabled without affecting core platform features.

Analytics cookies help us understand how users interact with our platform, which features are most popular, and where users might be experiencing difficulties. This information guides our product development efforts and helps us create a more intuitive user experience.

You can control cookie settings through your browser preferences, though disabling certain cookies may limit some platform functionality. We do not use third-party advertising cookies or tracking pixels for marketing purposes.

Updates to This Policy

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. Significant changes will be communicated through email notifications and prominent notices on our platform at least 30 days before taking effect.

We encourage you to review this policy regularly to stay informed about how we protect your information. The most current version will always be available on our website with the effective date clearly indicated.