Privacy Policy

Information We Collect

We collect different types of information depending on how you interact with our services. Some of this you provide directly, and some we gather automatically as you use our platform.

Information You Provide to Us

• Account Information: When you register, we collect your name, email address, phone number, and company details if applicable.
• Financial Data: To perform budget deviation analysis, you may upload financial records, transaction data, budget documents, and related business information.
• Communication Records: If you contact us through email, phone, or our contact form, we keep records of those conversations.
• Payment Information: When you purchase services, we collect billing details. However, credit card information is processed through secure third-party payment processors — we don't store full card numbers on our servers.
• Profile Preferences: Settings and preferences you choose while using our platform.

Information We Collect Automatically

• Usage Data: Information about how you interact with our services, including pages visited, features used, and time spent on different sections.
• Device Information: Browser type, operating system, IP address, device identifiers, and general location data based on IP address.
• Cookies and Tracking: We use cookies and similar technologies to remember your preferences and understand how you use our platform. You can control cookie settings through your browser.
• Log Files: Server logs that record technical information about your access to our services.

How We Use Your Information

We use the information we collect for specific purposes related to providing and improving our services. Here's what we do with your data:

• Service Delivery: To provide budget deviation analysis, generate reports, and deliver the core functionality you signed up for.
• Account Management: To create and maintain your account, authenticate your identity, and manage your subscription.
• Customer Support: To respond to your inquiries, troubleshoot problems, and provide technical assistance.
• Service Improvement: To understand how people use our platform and identify ways to make it better.
• Communication: To send you service updates, security alerts, and important account notifications. We may also send educational content about budget management, but you can opt out of non-essential communications.
• Security and Fraud Prevention: To protect against unauthorized access, abuse, and fraudulent activity.
• Legal Compliance: To comply with applicable laws, respond to legal requests, and enforce our terms of service.

How We Share Your Information

We share your information only in limited circumstances. Transparency matters, so here's the complete picture:

Service Providers

We work with third-party companies that help us operate our business. These include cloud hosting providers, payment processors, email service providers, and analytics tools. These companies can access your information only to perform specific tasks on our behalf and are obligated to protect it.

Business Transfers

If xalvirozae is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll notify you before your information becomes subject to a different privacy policy.

Legal Requirements

We may disclose your information if required by law, court order, or government request. We may also share information to protect our rights, prevent fraud, or ensure the safety of our users.

With Your Consent

We may share your information for purposes not described in this policy if we have your explicit consent.

Data Storage and Security

We take reasonable measures to protect your information from unauthorized access, alteration, or destruction. Our approach includes:

• Industry-standard encryption for data transmission (TLS/SSL)
• Encrypted storage for sensitive financial information
• Regular security assessments and updates
• Access controls that limit who can view your data internally
• Secure data centers with physical and digital safeguards
• Regular backups to prevent data loss

While we implement strong security measures, no system is completely secure. We can't guarantee absolute security, but we continuously work to minimize risks.

Your Privacy Rights

You have specific rights regarding your personal information. Here's what you can do:

How to Exercise Your Rights

To exercise any of these rights, contact us at info@xalvirozae.world or send a written request to our office address. We'll respond within 30 days. In some cases, we may need to verify your identity before processing your request.

If you're not satisfied with how we handle your request, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada.

Data Retention

We keep your information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. Specific retention periods depend on the type of data:

• Account Information: Retained while your account is active and for seven years after closure for legal and accounting purposes.
• Financial Data: Kept for the duration of your service usage and seven years thereafter to comply with Canadian tax and financial regulations.
• Communication Records: Stored for three years to maintain service quality and resolve potential disputes.
• Usage Data: Typically retained for 24 months for analytics and service improvement.
• Marketing Data: Kept until you unsubscribe or request deletion.

After retention periods expire, we securely delete or anonymize your information. Some data may be retained in aggregated, anonymized form for statistical analysis.

Cookies and Tracking Technologies

We use cookies and similar technologies to make our services work properly and understand how you use them. Here's what you should know:

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality, like keeping you logged in. These can't be disabled without affecting service performance.
• Performance Cookies: Help us understand how visitors interact with our site by collecting anonymous information.
• Functionality Cookies: Remember your preferences and settings to provide a personalized experience.
• Analytics Cookies: Track usage patterns to help us improve our services.

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or delete existing ones. Keep in mind that disabling certain cookies may affect your ability to use some features of our platform.

Third-Party Services

Our platform may contain links to third-party websites or integrate with external services. We're not responsible for the privacy practices of these third parties. When you leave our platform or use integrated services, we encourage you to review their privacy policies.

Current third-party services we use include:

• Cloud hosting providers for data storage and processing
• Payment processors for secure transaction handling
• Email service providers for communication delivery
• Analytics tools for understanding platform usage

These providers are contractually obligated to handle your data securely and only for the purposes we specify.

Children's Privacy

Our services are not intended for individuals under 18 years of age. We don't knowingly collect personal information from children. If you believe we've inadvertently collected information from a child, please contact us immediately so we can delete it.

Changes to This Policy

We may update this privacy policy from time to time to reflect changes in our practices or legal requirements. When we make significant changes, we'll notify you by email or through a prominent notice on our platform.

The date at the top of this policy indicates when it was last updated. We encourage you to review this policy periodically to stay informed about how we protect your information.

Continued use of our services after policy changes indicates your acceptance of the updated terms.

International Data Transfers

While we primarily store data in Canada, some of our service providers may process information in other countries. When we transfer data internationally, we ensure appropriate safeguards are in place, such as standard contractual clauses or other legally approved transfer mechanisms.

Data transferred outside Canada may be subject to different legal requirements and government access rights. We take steps to ensure your information receives adequate protection regardless of where it's processed.

Your California Privacy Rights

If you're a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA). While xalvirozae primarily serves Canadian clients, we respect the privacy rights of all users.

California residents can request information about personal data we've collected, sold, or disclosed in the past 12 months. You can also request deletion of your personal information, subject to certain exceptions.

Compliance with Canadian Privacy Laws

xalvirozae complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. We adhere to the principles of accountability, identifying purposes, consent, limiting collection, limiting use and disclosure, accuracy, safeguards, openness, individual access, and challenging compliance.

If you have concerns about our privacy practices, you can contact the Office of the Privacy Commissioner of Canada: