Privacy Policy for CreditMantra

Effective Date: October 1, 2024Entity: CreditMantra, Ontario, Canada

This Privacy Policy explains how we collect, use, store, and protect your personal and financial information when you use CreditMantra (“App”). By using the App, you agree to this Privacy Policy.

1. Introduction

This Privacy Policy explains how we collect, use, store, and protect your personal and financial information when you use CreditMantra (“App”). By using the App, you agree to this Privacy Policy.

2. Information We Collect

  • Personal Information: name, email, phone number, date of birth, gender.
  • Financial Information: account balances, transactions, credit card details via Plaid.
  • Device Information: IP address, device identifiers, log data, and usage statistics.

3. How We Use Your Information

We use your information to:

  • Provide account aggregation services.
  • Display your financial information in one place.
  • Improve and debug the App during beta testing.
  • Communicate with you regarding updates, support, and security alerts.
  • Comply with legal obligations.

4. Data Sharing

We may share information with:

  • Plaid Inc., to retrieve your financial data.
  • Service Providers, for hosting, analytics, or security.
  • Legal Authorities, if required by law.

We do not sell your data to third parties.

5. Data Storage & Security

  • All data is stored securely using industry-standard encryption and access controls.
  • We limit access to employees on a need-to-know basis.
  • No system is completely secure; you acknowledge the residual risk.

6. Cross-Border Transfers

Data may be stored or processed outside your home jurisdiction, including the United States. By using the App, you consent to such transfers.

7. Beta Testing Disclaimer

During the beta phase, data may be subject to errors, bugs, or inaccuracies. Use the App at your own risk.

8. User Rights

Depending on your jurisdiction, you may have rights to:

  • Access your personal information.
  • Request correction or deletion.
  • Withdraw consent for data processing.
  • File a complaint with a data protection authority.

Requests can be made at: support@creditmantra.ca.

9. Data Retention

We retain your data as long as your account is active or as required by law. After account deletion, data may be anonymized or deleted after a retention period.

10. Children’s Privacy

The App is not intended for children under 18. We do not knowingly collect information from minors.

11. Policy Updates

We may update this Privacy Policy periodically. Material changes will be communicated via the App or email. Continued use after changes implies acceptance.

12. Contact Us

For questions about this Privacy Policy, contact us at: support@creditmantra.ca.

This page is provided for informational purposes and does not constitute legal advice. For guidance tailored to your situation, consult a qualified attorney.

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