Privacy Policy
Your privacy matters to us. This policy explains how crenoviantos collects, uses, and protects your personal information in accordance with Canadian privacy laws.
Last Updated: March 15, 2025
Information We Collect
crenoviantos collects information in several ways to provide you with our financial budgeting services. We're transparent about what we gather and why we need it.
- Personal identification information including name, email address, and phone number
- Financial information you voluntarily provide for budgeting calculations
- Usage data about how you interact with our platform
- Device information including IP address, browser type, and operating system
- Location data when you grant permission for location-based features
- Communications between you and our support team
Important: We never collect your actual banking passwords or direct account access credentials. All financial data you provide is entered voluntarily by you for budgeting purposes only.
How We Use Your Information
Your information helps us deliver personalized budgeting tools and improve our services. Here's exactly how we use what you share with us:
| Purpose | Data Used | Legal Basis |
|---|---|---|
| Provide budgeting services | Personal and financial information | Contract performance |
| Customer support | Contact information, communications | Legitimate interest |
| Service improvements | Usage data, feedback | Legitimate interest |
| Security monitoring | Device information, usage patterns | Legitimate interest |
| Marketing communications | Contact information, preferences | Consent |
Information Sharing and Disclosure
crenoviantos operates under strict principles regarding information sharing. We don't sell your personal information to third parties. However, there are specific circumstances where we may share your data:
- Service providers who help us operate our platform, bound by confidentiality agreements
- Legal compliance when required by Canadian law or court orders
- Business transfers in the event of a merger or acquisition, with notice to users
- Fraud prevention and security purposes to protect our users
- Anonymous, aggregated data for research and industry insights
We ensure all third-party service providers maintain appropriate security standards and are contractually obligated to protect your information according to this privacy policy.
Your Rights Under Canadian Privacy Law
As a Canadian resident, you have specific rights regarding your personal information under PIPEDA and provincial privacy legislation:
Access Rights
Request a copy of all personal information we hold about you, including how it's being used and who we've shared it with.
Correction Rights
Ask us to correct or update any inaccurate personal information in our systems.
Withdrawal of Consent
Withdraw your consent for marketing communications or optional data collection at any time.
Complaint Process
File complaints about our privacy practices with us directly or with the Privacy Commissioner of Canada.
To exercise these rights, contact us using the information provided at the bottom of this policy. We'll respond to your request within 30 days and may require identity verification for security purposes.
Data Security and Storage
Protecting your information is a top priority. crenoviantos employs multiple layers of security to safeguard your data:
- Industry-standard encryption for data transmission and storage
- Regular security audits and vulnerability assessments
- Limited employee access on a need-to-know basis
- Secure data centers with physical and digital access controls
- Regular backups with encrypted storage
- Incident response procedures for any security breaches
Data Retention: We retain your personal information only as long as necessary to provide our services or as required by law. Financial data you input for budgeting is kept for the duration of your account plus three years for customer service purposes, unless you request earlier deletion.
International Data Transfers
While crenoviantos primarily operates within Canada, some of our service providers may process data outside of Canada. When this occurs:
- We ensure adequate protection measures are in place
- Service providers must meet or exceed Canadian privacy standards
- Data processing agreements include specific privacy and security requirements
- We limit international transfers to what's necessary for service provision
- Users are notified of any significant changes to data processing locations
Cookies and Tracking Technologies
crenoviantos uses cookies and similar technologies to enhance your experience and understand how our platform is used. You can control cookie settings through your browser preferences.
| Cookie Type | Purpose | Duration |
|---|---|---|
| Essential | Required for platform functionality | Session |
| Performance | Analyze usage and improve services | 90 days |
| Preference | Remember your settings and preferences | 1 year |
| Marketing | Deliver relevant communications | 6 months |
Children's Privacy
crenoviantos's services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without proper consent, we will delete such information promptly.
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 Privacy Policy
We may update this privacy policy periodically to reflect changes in our practices, technology, or legal requirements. When we make significant changes:
- We'll notify active users by email at least 30 days before changes take effect
- A notice will be displayed on our platform highlighting the updates
- The "Last Updated" date at the top of this policy will be revised
- Major changes affecting your rights will require renewed consent where applicable
We encourage you to review this policy regularly to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms.
Contact Us About Privacy
If you have questions about this privacy policy, want to exercise your privacy rights, or need to report a privacy concern, please reach out to us:
Privacy Officer crenoviantos 445 St George St Dresden, ON N0P 1M0 Canada Phone: +17055606974 Email: info@crenoviantos.comFor complaints not resolved directly with us, you may contact the Office of the Privacy Commissioner of Canada at priv.gc.ca or 1-800-282-1376.