Privacy Policy

1. Data We Collect

• Identity & contact information: name, email address, phone number, and mailing address.
• Business information: company name, CRA Business Number, incorporation documents.
• Financial data: bank account details, transaction history, and payment records.
• Technical data: IP address, browser type, device identifiers, and usage logs.

2. How We Use Your Data

• To provide, operate, and improve app-venn's banking and financial services.
• To verify your identity and comply with Canadian anti-money laundering (AML) and KYC regulations.
• To send transactional notifications, service updates, and, where consented, marketing communications.

3. Cookies & Tracking

We use essential cookies to operate the platform and analytics cookies (e.g., session tokens, performance metrics) to improve user experience. You may manage cookie preferences via our Cookie Settings panel at any time. For full details, see our Cookie Policy.

4. Third-Party Sharing

• We share data with regulated financial partners (e.g., Visa, payment processors) strictly to deliver your banking services.
• We engage cloud infrastructure providers (AWS Canada) and analytics services under strict data processing agreements.
• We do not sell your personal information to third parties for advertising purposes.

5. Your Rights (PIPEDA / GDPR / CCPA)

• Access & portability: request a copy of the personal data we hold about you.
• Correction: request correction of inaccurate or incomplete data.
• Deletion: request erasure of your data, subject to legal retention obligations.
• Opt-out: withdraw consent for marketing communications at any time via unsubscribe links or by contacting us.
• California residents may submit a 'Do Not Sell My Personal Information' request under the CCPA.

6. Data Retention

We retain personal and financial data for a minimum of seven (7) years as required under the Income Tax Act (Canada) and FINTRAC regulations. Account data is deleted within 90 days of account closure, except where longer retention is legally mandated.

7. Security

app-venn employs 256-bit AES encryption at rest and TLS 1.3 in transit. We conduct regular third-party penetration tests and maintain SOC 2 Type II compliance. No method of transmission over the Internet is 100{c31e294c274e99421658ab8ab28233ba1431115878012c8107e493f87bbea8ad} secure; we will notify you promptly in the event of a breach affecting your data.

8. Children's Privacy

Our services are intended solely for businesses and individuals aged 18 and older. We do not knowingly collect personal data from minors. If you believe a minor has provided us with data, please contact us immediately for removal.

9. Changes to This Policy

We may update this Privacy Policy to reflect changes in law or our practices. We will notify registered users via email at least 30 days before material changes take effect. Continued use of app-venn after that date constitutes acceptance of the revised policy.

10. Contact & Complaints

• Privacy Officer: [email protected]
• Mail: app-venn Inc., 150 King Street West, Suite 2500, Toronto, ON M5H 1J9, Canada
• You have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca.