Privacy Policy — BalanceWise

Last updated: January 10, 2026

BalanceWise (“BalanceWise”, “we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect your personal information when you visit our website, join our waitlist, or use our services.

By using BalanceWise, you agree to the collection and use of information in accordance with this policy.

1. Who We Are

BalanceWise is a personal finance tracking platform designed to help users track contribution room across registered accounts and related financial information.

Contact:
📧 contact@balancewise.ca

2. Information We Collect

We collect only the information necessary to operate and improve BalanceWise.

A. Information You Provide Directly

  • Email address (e.g., early access waitlist, product updates, account communication)
  • Name (optional)
  • Messages or feedback you send us (support requests, surveys, feature feedback)

B. Information Collected Automatically

When you access our website or app, we may automatically collect:

  • IP address and approximate location (city/region level)
  • Device type, browser type, operating system
  • Pages visited, interactions, timestamps, and referral URLs
  • Log and diagnostic data used for security and debugging

C. Cookies and Similar Technologies

We may use cookies or similar technologies to:

  • Enable essential site functionality
  • Understand site usage and performance
  • Improve user experience

You can control or disable cookies through your browser settings. Some features may not function properly without them.

3. How We Use Your Information

We use personal information to:

  • Operate, maintain, and improve BalanceWise
  • Manage early access, waitlists, and user communications
  • Send product updates, service notifications, and important announcements
  • Respond to inquiries and provide customer support
  • Monitor usage, performance, and security
  • Prevent fraud, abuse, and unauthorized access
  • Comply with legal and regulatory obligations

You may unsubscribe from non-essential communications at any time.

4. Legal Bases for Processing

Depending on your location, we process personal information under one or more of the following legal bases:

  • Consent (e.g., joining a waitlist or subscribing to updates)
  • Legitimate interests (e.g., improving and securing our services)
  • Contractual necessity (e.g., providing requested services)
  • Legal obligation (e.g., compliance with applicable laws)

5. Sharing of Information

We do not sell your personal information.

We may share limited information with trusted third-party service providers who help us operate BalanceWise, such as:

  • Email delivery and communication providers
  • Hosting, infrastructure, and database providers
  • Analytics and performance monitoring tools
  • Security and error-tracking services

These providers are contractually required to:

  • Use information only to provide services to BalanceWise
  • Maintain appropriate security safeguards
  • Not use your data for their own purposes

6. Financial Data & Third-Party Integrations

BalanceWise does not request or store banking passwords.

If third-party integrations (e.g., financial data providers or open banking services) are offered in the future:

  • You will be clearly informed before connecting any account
  • Data access will occur only with your explicit consent
  • Access can be revoked by you at any time

7. Data Retention

We retain personal information only for as long as necessary to:

  • Fulfill the purposes described in this policy
  • Meet legal, accounting, or security requirements

When information is no longer required, it is securely deleted or anonymized.

8. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect your information from unauthorized access, loss, misuse, or disclosure.

However, no system is completely secure, and we cannot guarantee absolute security.

9. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

  • Access the personal information we hold about you
  • Request correction or deletion of your information
  • Withdraw consent for certain processing
  • Object to or restrict certain uses of your data

To exercise your rights, contact: contact@balancewise.ca

10. International Data Transfers

Your information may be processed and stored in Canada or other jurisdictions where our service providers operate. These locations may have different data protection laws than your home country.

11. Children's Privacy

BalanceWise is not intended for individuals under the age of 13. We do not knowingly collect personal information from children under 13. If such information is discovered, it will be deleted.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised "Last updated" date. Continued use of BalanceWise after changes constitutes acceptance of the updated policy.