At ravinexoltura, we understand that your financial information is deeply personal and requires the highest level of protection. This Privacy Policy explains how we collect, use, store, and safeguard your personal information when you use our budget optimization platform and related services.

We believe transparency builds trust. That's why we've created this comprehensive policy to give you complete visibility into our data practices. Whether you're just browsing our website or actively using our financial tools, you have the right to know exactly how your information is handled.

This policy applies to all users of ravinexoltura.com, our mobile applications, and any related services we provide. By using our platform, you're agreeing to the practices described in this policy.

We collect several types of information to provide and improve our services. Here's what we gather and why:

We also collect technical information automatically when you use our platform. This includes your IP address, browser type, device information, and how you interact with our services. We use cookies and similar technologies to remember your preferences and improve your experience.

Sometimes we receive information from third-party sources, such as credit reporting agencies or financial institutions, but only when you've given explicit permission for these integrations.

Your information serves specific purposes that directly benefit your financial planning experience:

1. Service Delivery: We use your financial data to create personalized budget recommendations, track your progress toward financial goals, and provide insights into your spending patterns.
2. Platform Improvement: Anonymous, aggregated data helps us understand how users interact with our tools, allowing us to enhance features and develop new capabilities.
3. Communication: We'll send you important account updates, security alerts, and optional newsletters about financial planning tips and platform updates.
4. Security and Fraud Prevention: We monitor account activity to detect suspicious behavior and protect your financial information from unauthorized access.
5. Legal Compliance: We may use information to comply with applicable laws, regulations, and legal processes in Canada and other jurisdictions where we operate.

We never use your information for purposes beyond what's described in this policy without your explicit consent. You always have control over marketing communications and can opt out at any time.

We follow strict guidelines about when and how we share your information. Here's our complete approach to data sharing:

We never sell your personal information. This is a firm commitment that will never change, regardless of business circumstances.

We may share limited information in these specific situations:

• Service Providers: Trusted third parties who help us operate our platform, such as cloud hosting providers, payment processors, and customer support tools. These partners are contractually required to protect your information.
• Financial Institution Integration: When you choose to connect your bank accounts or credit cards, we work with secure aggregation services that specialize in financial data protection.
• Legal Requirements: We may disclose information when required by law, court order, or government regulation, or to protect our rights and the safety of our users.
• Business Transfers: In the unlikely event of a merger or acquisition, your information would transfer to the new entity under the same privacy protections.
• Consent-Based Sharing: We'll share information with third parties only when you've given explicit permission for specific integrations or services.

All third-party partners undergo rigorous security assessments and must meet our data protection standards before handling any user information.

Protecting your financial information is our top priority. We implement multiple layers of security to safeguard your data:

Encryption: All data transmission uses industry-standard TLS encryption. Your sensitive information is encrypted both in transit and at rest using AES-256 encryption standards.

Access Controls: Our team follows strict access protocols. Only authorized personnel with legitimate business needs can access user data, and all access is logged and monitored.

Infrastructure Security: We use enterprise-grade cloud hosting with built-in DDoS protection, automated security monitoring, and regular security audits by independent third parties.

Data Isolation: Your information is stored in isolated environments with multiple backup systems to prevent data loss while maintaining security boundaries between users.

We regularly update our security practices to address emerging threats and maintain compliance with Canadian privacy laws and international security standards.

We retain your information only as long as necessary to provide services and comply with legal requirements:

• Active Accounts: We keep your data while your account remains active and for up to 24 months after your last login to allow easy reactivation.
• Financial Records: Transaction history and budget data are retained for seven years to comply with Canadian financial record-keeping requirements.
• Communication Records: Customer support conversations are kept for three years for quality assurance and dispute resolution purposes.
• Marketing Data: Contact information for marketing purposes is deleted within 30 days of unsubscribing from communications.
• Account Deletion: When you delete your account, most personal information is removed immediately, with complete deletion occurring within 90 days.

Some information may be retained longer when required by law or for legitimate business purposes, such as fraud prevention or resolving disputes. We'll always use the minimum retention period necessary.

You can request immediate deletion of specific data categories by contacting our privacy team, and we'll process these requests within 30 days.

We use cookies and similar technologies to enhance your experience and understand how our platform is used:

You can control cookie preferences through your browser settings or our cookie preference center. Disabling certain cookies may affect platform functionality, but we'll always respect your choices.

We don't use third-party advertising cookies or participate in cross-site tracking networks. Our analytics focus solely on improving user experience within our platform.

As a Canadian company, we primarily store and process data within Canada. However, some services may involve international data transfers:

Cloud Infrastructure: We use Canadian data centers whenever possible, but some backup and redundancy systems may be located in the United States with equivalent privacy protections.

Service Providers: Some third-party tools and services operate internationally. We ensure these providers meet Canadian privacy standards and implement appropriate safeguards for data transfers.

Legal Protections: Any international transfers comply with Canadian privacy laws and include contractual protections equivalent to those required under Canadian legislation.

You can request information about specific data locations for your account by contacting our privacy team.

Our services are designed for adults aged 18 and older who can make independent financial decisions. We do not knowingly collect personal information from children under 18.

If we discover that we've inadvertently collected information from someone under 18, we'll delete that information immediately and close any associated account.

Parents who believe their child has provided personal information to our platform should contact us immediately at the information provided below.

We review and update this Privacy Policy regularly to reflect changes in our services, technology, and legal requirements.

Notification Process: We'll notify you of significant changes via email and through prominent notices on our platform at least 30 days before changes take effect.

Minor Updates: Small clarifications or additions that don't affect your rights will be updated immediately with notification on your next login.

Your Options: If you disagree with policy changes, you can delete your account before the changes take effect, or contact us to discuss your concerns.

Previous versions of this policy are archived and available upon request for your reference.