Privacy Policy

Information We Collect

When you engage with Calyphorentis's creative budgeting platform, we collect several types of information to provide you with personalized financial education and tools. Understanding what we collect helps you make informed decisions about sharing your data.

We only collect information that enhances your experience with our creative budgeting tools. You can always choose what financial information to share, and we never access your actual bank accounts or financial institutions directly.

How We Use Your Information

Your information serves specific purposes within our platform ecosystem. We've designed our data usage practices to align with your expectations and privacy preferences while delivering valuable budgeting insights.

• Personalizing your budgeting dashboard and financial education content based on your stated goals and preferences
• Sending educational newsletters and budgeting tips that match your interests and experience level
• Providing customer support and responding to your questions about creative budgeting techniques
• Improving our platform features based on user behavior patterns and feedback
• Maintaining platform security and preventing unauthorized access to your account
• Complying with legal obligations under Canadian privacy legislation including PIPEDA

We never sell your personal information to third parties. Your financial data stays within our secure system and is only used to enhance your budgeting experience on Calyphorentis.world.

Information Sharing and Third Parties

Calyphorentis operates with strict data sharing principles. We understand that financial information is particularly sensitive, and we've built partnerships that respect your privacy expectations.

We may share limited information with:

• Service providers who help us operate the platform, such as cloud hosting services and email delivery systems
• Payment processors when you make purchases, though they only receive necessary transaction information
• Legal authorities when required by Canadian law or to protect user safety and platform integrity
• Professional advisors including lawyers and accountants who help us maintain compliance

All third parties we work with must sign agreements protecting your information. They cannot use your data for their own purposes beyond providing services to Calyphorentis. We regularly audit these relationships to ensure compliance.

Your Privacy Rights

Under Canadian privacy laws, including PIPEDA, you have significant control over your personal information. We've made exercising these rights straightforward and transparent.

To exercise any of these rights, contact our privacy team at info@Calyphorentis.world or write to us at 425 Monarch Ct, Kamloops, BC V2E 1Y3, Canada. We respond to privacy requests within 30 days and provide clear explanations of any actions taken.

You can also update most information directly through your account settings, including communication preferences and financial goals. We've designed the platform to give you ongoing control over your data.

Data Security and Protection

Protecting your financial information requires multiple layers of security. We've implemented comprehensive measures that go beyond industry standards to safeguard your data.

We also maintain offline backups in secure Canadian data centers and have incident response procedures ready if any security issues arise. Our team receives regular training on privacy protection and security best practices.

Data Retention and Deletion

We keep your information only as long as necessary to provide our services and comply with legal requirements. Different types of data have different retention periods based on their purpose and legal obligations.

• Account information remains active while you use our platform and for 12 months after your last login
• Financial data you input into budgeting tools is retained for 24 months to maintain historical tracking
• Communication records with customer support are kept for 36 months for quality assurance
• Marketing communication data is deleted within 6 months of unsubscribing from our lists
• System logs and security data are retained for 12 months for platform protection purposes

When you request account deletion, we remove most information within 30 days. Some data may be retained longer for legal compliance, such as transaction records for tax purposes or communications related to disputes.

We conduct annual reviews of stored data to ensure we're not keeping information longer than necessary. You can request early deletion of specific information types by contacting our privacy team.

International Data Transfers

While Calyphorentis primarily operates within Canada, some of our service providers use systems located in other countries. We ensure these transfers meet Canadian privacy standards and provide adequate protection for your information.

When information is transferred outside Canada, we use:

• Contractual safeguards that require foreign service providers to maintain Canadian-level protection
• Data processing agreements that limit how transferred information can be used
• Regular monitoring to ensure international partners comply with privacy requirements
• Encryption during transfer and storage to maintain data security across borders

Most sensitive financial data remains stored within Canadian borders. We only transfer necessary operational information and ensure you're informed about any international processing when you sign up for our services.

Cookies and Tracking Technologies

Calyphorentis uses cookies and similar technologies to enhance your budgeting platform experience. These small data files help us remember your preferences and improve platform functionality.

We use several types of cookies:

• Essential cookies that enable basic platform functions like login and security features
• Preference cookies that remember your dashboard settings and budgeting category preferences
• Analytics cookies that help us understand how users interact with different platform features
• Marketing cookies that personalize educational content and budgeting tips we show you

You can control cookie settings through your browser or our platform preferences. Disabling certain cookies may limit some platform features, but core budgeting tools will continue to function. We don't use cookies to track your activities on other websites.

Changes to This Privacy Policy

As Calyphorentis grows and privacy regulations evolve, we may update this policy to reflect new practices or legal requirements. We believe in transparency about these changes and will always notify you before implementing significant updates.

When we make changes, we will:

• Email all active users at least 30 days before changes take effect
• Display notifications on the platform highlighting key updates
• Maintain previous versions of the policy for your reference
• Provide clear explanations of what changed and why
• Give you options to adjust your privacy settings based on new policies

Major changes that significantly alter how we handle your information will require your explicit consent. You can always review the current policy at Calyphorentis.world/privacy-policy and download copies for your records.