Privacy Policy

At moravienthal, we collect information that helps us provide better budget calendar planning services to our users across Canada. When you create an account with us, we gather basic personal information including your name, email address, and phone number. This information allows us to communicate with you about your account and provide customer support when needed.

We also automatically collect certain technical information when you use our platform. This includes your IP address, browser type, device information, and operating system details. This technical data helps us maintain platform security and improve our services to work better across different devices and browsers that our Canadian users rely on daily.

Your information serves several important purposes that directly benefit your experience with moravienthal's budget calendar planning platform. We use your personal details to create and maintain your account, send you important updates about service changes, and provide personalized customer support when you contact us.

We analyze aggregated, anonymized usage data to understand how people use our budget planning tools. This helps us identify which features are most valuable and where we should focus our development efforts. For example, if we notice that many users struggle with a particular part of the calendar setup process, we can redesign that section to be more intuitive.

Your financial planning data remains yours - we use it only to provide the services you've requested. When you set up budget categories or financial goals in our platform, this information is used to generate your personalized calendar views and planning recommendations. We don't use your specific financial information for any other purposes.

moravienthal takes a conservative approach to sharing your personal information. We don't sell, rent, or trade your personal data to third parties for their marketing purposes. Your budget planning information and personal details stay within our secure systems unless specific circumstances require limited disclosure.

We work with carefully selected service providers who help us operate our platform effectively. These include cloud hosting services that store our data within Canada, email service providers for account notifications, and analytics services that help us understand how our platform performs. All these partners are bound by strict confidentiality agreements and can only use your information for the specific services they provide to us.

If moravienthal were ever acquired by another company or merged with another service, your information would be transferred as part of that transaction. However, you would be notified well in advance of any such change, and the new entity would be required to honor the privacy commitments we've made to you. You would have the option to delete your account before any such transfer if you preferred not to continue with the new organization.

We may share anonymized, aggregated statistics about our user base with partners or in public reports. For example, we might publish that "X number of Canadian users set financial goals using our platform last quarter," but this would never include information that could identify you personally.

As a Canadian resident using moravienthal's services, you have several important rights regarding your personal information. These rights are designed to give you control over your data and ensure you understand how it's being used. We've made it straightforward to exercise these rights through your account settings or by contacting our support team directly.

To exercise any of these rights, you can contact us using the information provided at the bottom of this policy. We typically respond to privacy requests within 30 days, though complex requests may take slightly longer. We'll keep you informed throughout the process and explain any reasons if we cannot fully accommodate a particular request.

If you're not satisfied with how we've handled your privacy request or have concerns about our data practices, you have the right to file a complaint with the Privacy Commissioner of Canada or your provincial privacy authority. We're always willing to work with you to resolve concerns before they reach that level.

Protecting your information is a top priority at moravienthal. We use industry-standard security measures to safeguard your data, including encryption both in transit and at rest. All data transmission between your device and our servers is protected using TLS encryption, and your information is stored in encrypted format on secure servers located within Canada.

We retain your information for as long as your account remains active, plus an additional period to comply with legal requirements and resolve any disputes. Your budget planning data is typically kept for seven years after account closure to align with Canadian financial record-keeping recommendations, though you can request earlier deletion if preferred.

While we implement strong security measures, no system is completely immune to threats. In the unlikely event of a data breach that affects your personal information, we will notify you promptly and provide details about what information was involved and what steps we're taking to address the situation. We also maintain cyber insurance to help protect both our organization and our users in case of security incidents.

moravienthal uses cookies and similar technologies to enhance your experience with our budget planning platform. These small data files help us remember your preferences, keep you logged in securely, and understand how you use our services. We believe in being transparent about what information these technologies collect and how you can control them.

You can manage cookie preferences through your browser settings or our cookie preference center. Most browsers allow you to block or delete cookies, though this may affect certain features of our platform. Our essential cookies will continue to function to maintain basic security and functionality, but you can opt out of analytics and non-essential tracking.

We don't use cookies for cross-site tracking or to build advertising profiles. Our focus is on improving your experience with moravienthal's budget planning tools rather than tracking your activity across other websites. Third-party cookies are limited to essential services like secure payment processing and platform hosting.

This privacy policy may be updated from time to time to reflect changes in our practices, legal requirements, or service offerings. When we make significant changes that affect how we handle your personal information, we will notify you by email and display a prominent notice on our platform before the changes take effect.

Minor updates, such as clarifications or contact information changes, may be made without individual notification, but we will always update the "Last Updated" date at the top of this policy. We encourage you to review this policy periodically to stay informed about how we protect your information.

We maintain archived versions of our privacy policy so you can review previous versions if needed. These archives are available upon request and can help you understand how our privacy practices have evolved over time.