Privacy Policy

Effective: March 30, 2026 · Last updated: March 30, 2026

1. Introduction

Simple Cents ("we", "us", "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website (simplecents.io) and application (the "Service").

This policy complies with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's federal private-sector privacy law.

2. Information We Collect

2.1 Information You Provide

• Account information: email address, name, password
• Financial data you choose to import: bank transactions, account names, transaction categories, budgets
• Communications: support requests, feedback

2.2 Information Collected Automatically

• Device information: browser type, operating system, device type
• Usage data: pages visited, features used, time spent in the app
• Log data: IP address, access times, referring URLs

2.3 Information We Do Not Collect

• We do not collect banking login credentials
• We do not access your bank accounts directly
• We do not sell your personal information to third parties

3. How We Use Your Information

We use your information to:

• Provide, maintain, and improve the Service
• Process and display your financial data as you direct
• Send service-related communications (account updates, security alerts)
• Respond to your support requests
• Analyze usage patterns to improve the product
• Detect and prevent fraud and abuse

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service providers who assist in operating the Service (hosting, analytics) under strict data processing agreements
• Law enforcement when required by Canadian law

5. Data Storage and Security

Your data is stored on servers located in Canada. We implement industry-standard security measures including:

• Encryption in transit (TLS 1.2+) and at rest (AES-256)
• Regular security audits and access controls
• Secure authentication practices

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Service. You may request deletion of your account and data at any time by contacting us.

7. Your Rights Under PIPEDA

You have the right to:

• Access your personal information
• Correct inaccurate information
• Withdraw consent for data collection (which may limit Service access)
• Complain to the Privacy Commissioner of Canada if you believe your privacy rights have been violated

8. Cookies

We use essential cookies for authentication and session management. We may use analytics cookies to understand usage patterns. You can manage cookie preferences through your browser settings.

9. Third-Party Links

Our Service may contain links to third-party websites. We are not responsible for the privacy practices of those sites. We encourage you to review their privacy policies.

10. Children's Privacy

The Service is not intended for individuals under the age of 16. We do not knowingly collect personal information from children.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the new policy on this page and updating the "Last updated" date.

12. Contact Us

For privacy-related inquiries or to exercise your rights:

Email: simplecentsio@gmail.com

Privacy Commissioner of Canada: priv.gc.ca