Privacy Policy

We value your privacy and are committed to protecting your personal information. Learn how zenarithyloq handles your data responsibly.

Last Updated: March 15, 2025

Information We Collect

At zenarithyloq, we collect information to provide you with personalized budgeting tools and financial insights. The data we gather falls into several categories, each serving specific purposes in delivering our smart budgeting platform.

Account Information Financial Data Usage Analytics Device Information Communication Records

Personal Details

We collect your name, email address, phone number, and mailing address when you create an account. This information helps us verify your identity and communicate important updates about your account.

Financial Information

With your explicit consent, we may access transaction data, account balances, and spending patterns to provide budgeting recommendations. This data remains encrypted and is never shared with third parties for marketing purposes.

We also automatically collect technical information about your device and how you interact with our platform. This includes IP addresses, browser types, operating systems, and pages visited. This data helps us improve our services and identify potential security issues.

How We Use Your Information

Your information powers the core functionality of zenarithyloq's budgeting platform. We analyze spending patterns to provide personalized insights, track your progress toward financial goals, and send relevant notifications about your budget status.

Primary Uses Include:

Creating personalized budget recommendations

Generating spending category insights

Sending account security notifications

Providing customer support services

Improving platform performance

Complying with legal requirements

We never use your financial data for advertising purposes or sell it to third parties. Any data analysis is conducted internally to enhance your budgeting experience and is subject to strict access controls within our organization.

Canadian Privacy Compliance

zenarithyloq operates in full compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). We adhere to the ten privacy principles outlined in PIPEDA, ensuring your personal information receives the highest level of protection under Canadian law.

As a Canadian company, we store your data within Canadian borders and follow all federal and provincial privacy regulations applicable to financial technology services.

Your Privacy Rights

Under Canadian privacy law, you have several important rights regarding your personal information.

Access Your Data

Request a complete copy of all personal information we have about you, including how it's being used.

Correct Information

Update or correct any inaccurate personal information in your account at any time.

Delete Your Account

Request complete deletion of your account and associated personal data within 30 days.

Portability

Export your data in a standard format to transfer to another budgeting platform.

Data Security Measures

Protecting your financial information is our highest priority. zenarithyloq employs bank-level security measures to safeguard your data against unauthorized access, theft, and misuse.

Security Protocols:

256-bit SSL encryption for all data transmission

Multi-factor authentication for account access

Regular security audits and penetration testing

Encrypted data storage in secure Canadian facilities

Limited employee access with background checks

Automated threat detection and response systems

️ Security Incident Response

In the unlikely event of a security breach affecting your personal information, we will notify you within 72 hours via email and provide detailed information about the incident, steps we're taking, and recommendations to protect your account.

Data Retention and Deletion

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

Days to delete account upon request

Years for transaction records

Years for tax-related documents

When you close your zenarithyloq account, we begin the deletion process immediately. Most personal information is removed within 30 days, though some records may be retained longer to comply with Canadian financial regulations. You can request an update on your data deletion status at any time.

Anonymized usage data that cannot be linked back to your identity may be retained indefinitely for research and platform improvement purposes. This data helps us understand user behavior patterns without compromising individual privacy.

Third-Party Services

zenarithyloq integrates with carefully selected third-party services to enhance your budgeting experience. These partnerships are governed by strict data sharing agreements that limit how your information can be used.

Financial Institutions

We connect with banks and credit unions through secure APIs to retrieve transaction data. This connection requires your explicit authorization and can be revoked at any time through your account settings.

Analytics Providers

We use privacy-focused analytics tools to understand how users interact with our platform. These services receive only anonymized data and cannot identify individual users.

We never share your personal information with marketing companies, data brokers, or any third parties not directly involved in providing zenarithyloq's services. All third-party partners are required to meet our privacy and security standards before integration.

️ Third-Party Privacy Policies

While we carefully vet our partners, you should review the privacy policies of any external services you choose to connect with zenarithyloq. We are not responsible for the privacy practices of other companies, even when accessed through our platform.

Cookies and Tracking

zenarithyloq uses cookies and similar technologies to provide essential platform functionality and improve your user experience. We employ different types of cookies for various purposes, and you have control over most of them.

Essential Cookies

Required for basic platform functionality, including login sessions, security features, and core budgeting tools. These cannot be disabled without breaking the service.

Preference Cookies

Remember your settings, language preferences, and customization choices. These enhance your experience but are not strictly necessary for platform operation.

You can manage cookie preferences through your browser settings or our cookie preference center. Disabling non-essential cookies may limit some features but will not prevent you from using zenarithyloq's core budgeting functionality.

We do not use third-party advertising cookies or allow external companies to track you across other websites through our platform. Any tracking is strictly limited to improving your zenarithyloq experience.

Changes to This Policy

We may update this privacy policy periodically to reflect changes in our services, legal requirements, or privacy practices. Material changes will be communicated through multiple channels to ensure you're fully informed.

How We Notify You:

Email notification to your registered address

In-app notification when you next log in

Prominent notice on our website

30-day advance notice for significant changes

Continued use of zenarithyloq after policy changes indicates your acceptance of the updated terms. If you disagree with any changes, you can close your account at any time and request deletion of your personal information.

We maintain an archive of previous policy versions on our website, allowing you to review changes over time and understand how our privacy practices have evolved.

Privacy Questions or Concerns?

Privacy Officer: privacy@zenarithyloq.com

Phone: +1 905 522 2777

Mail: 1257 3e Avenue E, Val-d'Or, QC, Canada

We respond to all privacy inquiries within 48 hours and provide resolution within 30 days.