Information We Collect

We collect different types of information depending on how you use our services. Most of it comes directly from you, but some gets gathered automatically as you navigate our platform.

Personal Information You Provide

• Contact details like your name, email address, phone number, and mailing address when you register or reach out to us
• Account credentials including username and encrypted password for accessing your calendar
• Financial planning preferences and goals you share to customize your experience
• Payment information when you subscribe to premium features (processed through secure third-party processors)
• Communication content when you contact our support team at help@lifixegar.com

Automatically Collected Data

Our systems gather certain technical information to keep things running smoothly and improve your experience:

• Device information including browser type, operating system, and screen resolution
• Usage patterns like which features you access most and how long you spend on different pages
• IP addresses and general location data (city and province level, not precise coordinates)
• Calendar interaction data showing how you organize your financial planning activities

How We Use Your Information

Your data serves specific purposes. We don't use it for anything beyond what's necessary to provide and improve our financial planning services.

Data Sharing and Third Parties

We're pretty selective about who gets access to your information. Here's the complete picture of when and why we share data.

Service Providers

We work with trusted partners who help run our platform. These companies can only use your data to perform specific services for us:

• Cloud hosting providers that store your calendar data securely
• Payment processors handling subscription transactions
• Email service providers sending account notifications
• Analytics tools helping us understand user behavior
• Customer support platforms managing your inquiries

Legal Obligations

Sometimes we're required to disclose information. This happens when we receive valid legal requests from Canadian authorities or need to protect rights and safety. We'll notify you unless legally prohibited from doing so.

Your Privacy Rights

Canadian privacy law gives you several rights regarding your personal information. We've made it straightforward to exercise these rights.

• Access: Request a copy of all personal data we hold about you, delivered within 30 days
• Correction: Update inaccurate or incomplete information through your account settings or by contacting us
• Deletion: Ask us to remove your data, though we may need to retain certain information for legal compliance
• Portability: Receive your calendar data in a standard format that you can transfer to another service
• Objection: Opt out of specific data processing activities like marketing communications
• Withdrawal: Revoke consent for data processing at any time, which may affect service availability

To exercise any of these rights, send a detailed request to help@lifixegar.com. We'll verify your identity and respond within 30 days. There's no charge for most requests, though we may apply a reasonable fee for repetitive or excessive inquiries.

Data Security Measures

Protecting your information is something we take seriously. Our security approach combines technical safeguards with organizational policies.

Technical Protection

• 256-bit SSL encryption for all data transmitted between your device and our servers
• Encrypted database storage with separate encryption keys rotated quarterly
• Multi-factor authentication options for account access
• Regular security audits conducted by independent cybersecurity firms
• Automated monitoring systems detecting suspicious activity
• Secure backup systems with encrypted off-site storage

Operational Safeguards

Our team follows strict protocols. Employees only access personal data when necessary for their job functions. All staff complete annual privacy training and sign confidentiality agreements. We maintain detailed access logs and conduct regular reviews.

Data Retention and Deletion

We don't keep your information longer than necessary. Different types of data have different retention periods based on legal requirements and legitimate business needs.

Retention Periods

• Active account data: Retained while your account remains open
• Inactive accounts: Automatically deleted after 24 months of no login activity
• Financial transaction records: Kept for 7 years to comply with Canadian tax laws
• Support communications: Maintained for 3 years for quality assurance
• Marketing data: Deleted within 30 days of unsubscribing
• Technical logs: Purged after 90 days unless needed for security investigations

When you close your account, we delete most personal data within 30 days. Some information stays in our systems longer due to legal obligations or legitimate interests like fraud prevention. You can request immediate deletion, but this might not include data we're required to retain.

Cookies and Tracking

Our website uses cookies and similar technologies to remember your preferences and analyze site usage. You control how these work.

Types of Cookies We Use

• Essential Cookies: Required for basic site functionality like maintaining your login session. These can't be disabled.
• Preference Cookies: Remember your settings like language choice and display options.
• Analytics Cookies: Help us understand which features get used most and where people encounter issues.
• Performance Cookies: Monitor site speed and identify technical problems.

You can manage cookie preferences through your browser settings. Blocking certain cookies might affect site functionality. We don't use advertising or social media tracking cookies.

International Data Transfers

Your data primarily stays within Canada, but some service providers operate servers in other countries. When information crosses borders, we ensure adequate protection.

Our primary hosting infrastructure is located in Canadian data centers. Cloud backup systems may store encrypted copies in the United States under providers complying with Canadian privacy standards through contractual agreements. We conduct regular assessments of foreign storage locations and transfer minimal necessary data only.

If you're accessing our services from outside Canada, your information gets transmitted to Canadian servers. By using Lifixegar, you consent to this transfer under Canadian privacy protections.

Children's Privacy

Our services aren't designed for anyone under 18. We don't knowingly collect information from minors. If you're a parent and believe your child has provided us with personal data, contact us immediately at help@lifixegar.com and we'll delete it promptly.

Changes to This Policy

We review and update this privacy policy regularly to reflect new practices or legal requirements. When we make significant changes, we'll notify you through email and display a prominent notice on our website.

The "Last Updated" date at the top shows when the current version took effect. We recommend reviewing this policy periodically, especially after receiving a change notification. Continued use of our services after policy updates means you accept the revised terms.

Previous versions are archived and available upon request if you want to see how our practices have evolved.

Filing Complaints

We're committed to resolving privacy concerns quickly. If you're unhappy with how we handle your information, first contact our team directly. Most issues get sorted out within a few days.

If you're not satisfied with our response, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada. They're an independent authority overseeing privacy practices: