Privacy Policy

1. Information We Collect

Information You Provide

• Account Information: When you create an account, we collect your email address and password.
• Profile Information: You may optionally provide tax-related information such as your province of residence, employment type, and income sources to personalize your experience.
• Chat Messages: Questions you ask our AI tax assistant are processed to provide responses. For logged-in users, conversation history is saved to your account.
• Calculator Inputs: Data you enter into our tax calculators is processed locally and is not stored on our servers unless you are logged in and choose to save calculations.

Information Collected Automatically

• Usage Data: We collect information about how you interact with our website, including pages visited, time spent, and features used.
• Device Information: Browser type, operating system, and device type.
• Cookies and Similar Technologies: We use cookies to improve your experience and for analytics purposes.

2. How We Use Your Information

We use the information we collect to:

• Provide, maintain, and improve our services
• Process and respond to your tax questions through our AI assistant
• Personalize your experience based on your tax profile
• Send you important updates about our services (with your consent)
• Analyze usage patterns to improve our website and calculators
• Detect and prevent fraud or abuse
• Comply with legal obligations

3. Data Processing and AI

Our AI tax assistant processes your questions to provide helpful responses. Important notes:

• PII Redaction: We automatically detect and redact personally identifiable information (such as SIN numbers, addresses, and phone numbers) from your questions before processing.
• Third-Party AI: We use OpenRouter and OpenAI services to power our AI assistant. Your questions (after PII redaction) may be processed by these services.
• No Training: Your data is not used to train AI models.

4. Information Sharing

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

• Service Providers: Third parties that help us operate our services (e.g., Supabase for data storage, Vercel for hosting).
• AI Providers: OpenRouter and OpenAI for processing AI queries (with PII redacted).
• Advertising Partners: Google AdSense may collect information for personalized advertising. See Google's privacy policy for details.
• Legal Requirements: When required by law or to protect our rights.

5. Cookies and Advertising

We use cookies and similar technologies for:

• Essential Cookies: Required for the website to function (authentication, preferences).
• Analytics Cookies: Help us understand how visitors use our site.
• Advertising Cookies: Google AdSense uses cookies to show relevant ads. You can opt out of personalized advertising at Google Ad Settings.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. You can request deletion of your account and associated data at any time by contacting us. Anonymous usage data may be retained for analytical purposes.

7. Your Rights (PIPEDA Compliance)

Under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

• Access your personal information we hold
• Request correction of inaccurate information
• Withdraw consent for data processing
• Request deletion of your data
• File a complaint with the Office of the Privacy Commissioner of Canada

To exercise these rights, please contact us using the information below.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including encryption in transit (HTTPS), secure data storage with Supabase, and regular security reviews. However, no method of transmission over the Internet is 100% secure.

9. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at: