Privacy Policy

Your privacy matters deeply to us. This comprehensive policy explains how clyvianorex collects, protects, and manages your personal information in accordance with Canadian privacy laws.

Information We Collect

clyvianorex collects various types of information to provide you with personalized budget categorization services. We gather this data through different channels and interactions with our platform.

Personal Identification Information: Full name, email address, phone number, and mailing address when you create an account or contact our support team
Financial Data: Transaction details, spending patterns, bank connection information (encrypted), and budget preferences to enable categorization features
Technical Information: IP address, browser type, device information, operating system, and usage analytics to improve platform performance
Communication Records: Email correspondence, support tickets, feedback submissions, and any other communications you send to us
Usage Analytics: Page views, feature usage patterns, session duration, and interaction data to enhance user experience

Important: We never store your actual banking credentials. All financial connections use encrypted, read-only access through secure third-party providers that meet Canadian banking security standards.

How We Use Your Information

Your information serves specific purposes that directly benefit your experience with clyvianorex's budget categorization platform. We process your data lawfully and transparently.

Service Delivery: Categorizing your transactions accurately, providing budget insights, generating spending reports, and maintaining your account functionality
Platform Improvement: Analyzing usage patterns to enhance categorization algorithms, developing new features, and optimizing user interface design
Customer Support: Responding to your inquiries, troubleshooting technical issues, providing guidance on platform features, and resolving account problems
Security Measures: Monitoring for fraudulent activity, preventing unauthorized access, maintaining data integrity, and ensuring platform security
Legal Compliance: Meeting Canadian financial regulations, responding to lawful requests, maintaining required records, and protecting our legal interests

We operate under the principle of data minimization, collecting only information necessary for these specified purposes. Any additional uses require your explicit consent.

Information Sharing and Disclosure

clyvianorex maintains strict policies regarding information sharing. We believe in transparency about when and why we might share your data with third parties.

Service Providers: Encrypted data transmission to banking aggregators, cloud storage providers, and analytics services that operate under strict confidentiality agreements
Legal Requirements: Disclosure when required by Canadian law, court orders, regulatory investigations, or to protect our legal rights and user safety
Business Operations: Sharing anonymized, aggregated data with partners for industry research, platform improvements, and security enhancements
Emergency Situations: Limited disclosure when necessary to prevent harm, investigate suspected fraud, or protect the security of our platform and users

We Never: Sell your personal information, share identifiable data for marketing purposes, or provide your information to third parties without legitimate business need and appropriate safeguards.

All third-party service providers must meet our security standards and sign comprehensive data protection agreements. We regularly audit these relationships to ensure compliance.

Data Security and Protection

Protecting your financial information is our highest priority. clyvianorex implements multiple layers of security measures that meet and exceed industry standards.

Encryption: AES-256 encryption for data at rest, TLS 1.3 for data in transit, and end-to-end encryption for sensitive financial information
Access Controls: Multi-factor authentication, role-based permissions, regular access reviews, and automatic session timeouts to prevent unauthorized access
Infrastructure Security: Secure cloud hosting, regular security audits, penetration testing, and 24/7 monitoring for suspicious activity
Employee Training: Regular security awareness training, background checks, confidentiality agreements, and strict need-to-know access policies
Incident Response: Comprehensive breach response procedures, immediate notification protocols, and forensic analysis capabilities

We maintain SOC 2 Type II compliance and undergo annual security assessments by independent third parties. Our security measures are continuously updated to address emerging threats.

Security Notice: If you suspect unauthorized access to your account, contact us immediately at +16042722378. We monitor all accounts for unusual activity and will notify you of any security concerns.

Your Rights and Choices

Under Canadian privacy laws, including PIPEDA, you have specific rights regarding your personal information. clyvianorex provides multiple ways to exercise these rights.

Access Rights: Request copies of all personal information we hold about you, including data sources and how it's being used
Correction Rights: Update or correct inaccurate information, modify your preferences, and ensure your data remains current and accurate
Deletion Rights: Request removal of your personal information, subject to legal retention requirements and legitimate business needs
Portability Rights: Download your data in common formats, transfer information to other services, or receive copies for personal use
Objection Rights: Opt out of certain data processing activities, withdraw consent for specific uses, or limit how we process your information

To exercise any of these rights, contact our privacy team at info@clyvianorex.com or call +16042722378. We'll respond within 30 days and provide clear instructions for any required steps.

Account Control: You can access and modify most of your information directly through your clyvianorex account settings. For complex requests or complete data deletion, our support team will guide you through the process.

Data Retention and Deletion

clyvianorex maintains clear policies about how long we keep your information and when it's permanently deleted. These practices balance your privacy rights with legitimate business needs.

Active Account Data: Personal and financial information maintained for the duration of your account plus seven years as required by Canadian financial regulations
Communication Records: Support tickets and correspondence kept for three years to maintain service quality and resolve potential disputes
Analytics Data: Anonymized usage statistics retained for five years to support long-term platform improvements and security analysis
Security Logs: Technical logs and security monitoring data kept for two years to investigate incidents and maintain platform integrity
Marketing Data: Contact preferences and communication history deleted within 90 days of unsubscribing or account closure

When retention periods expire, data is securely deleted using industry-standard methods that prevent recovery. You can request early deletion for most information types, though some data must be retained for legal compliance.

Account Closure: When you close your clyvianorex account, most personal information is deleted within 90 days. Some records may be retained longer to comply with Canadian financial regulations or resolve outstanding issues.

International Data Transfers

clyvianorex processes your information primarily within Canada, but some operations may involve international data transfers. We ensure appropriate protections for all cross-border data movement.

Primary Storage: All financial data and personal information stored on Canadian servers with full regulatory compliance
Cloud Services: Some technical operations use cloud providers with Canadian data residency requirements and equivalent privacy protections
Support Operations: Customer service may access your information from secure international locations under strict confidentiality agreements
Analytics Processing: Anonymized usage data may be processed internationally for platform improvements, with all identifying information removed

All international transfers comply with Canadian privacy laws and include contractual protections, encryption requirements, and audit provisions. We never transfer data to jurisdictions with inadequate privacy protections.

Cookies and Tracking Technologies

clyvianorex uses various technologies to enhance your experience, maintain security, and improve our services. You have control over most of these technologies.

Essential Cookies: Required for login functionality, session management, security features, and basic platform operations
Performance Cookies: Anonymous analytics to understand platform usage, identify technical issues, and measure feature effectiveness
Preference Cookies: Remember your settings, interface customizations, and user preferences across sessions
Security Cookies: Detect fraudulent activity, prevent unauthorized access, and maintain account protection

You can control cookie settings through your browser preferences or our platform settings. Disabling certain cookies may limit platform functionality but won't prevent you from using core features.

Browser Settings: Most browsers allow you to view, delete, and block cookies. However, some clyvianorex features require cookies to function properly, particularly security and login systems.

Changes to This Policy

clyvianorex may update this privacy policy periodically to reflect changes in our practices, legal requirements, or service offerings. We're committed to transparent communication about any modifications.

Notification Process: Email alerts for significant changes, in-app notifications for policy updates, and prominent website notices
Review Period: Thirty days advance notice for material changes, allowing you to review modifications and make informed decisions
Opt-out Options: Opportunity to close your account or opt out of new practices before they take effect
Version History: Previous policy versions available upon request to track changes and understand evolution of our practices

Minor clarifications or formatting changes may be implemented immediately, while substantial modifications affecting your rights or data handling practices will always include advance notice.

Current Version: This privacy policy was last updated on January 15, 2025. Previous versions are available by contacting our privacy team at info@clyvianorex.com.

Privacy Questions & Contact

For privacy-related questions, data requests, or concerns about how we handle your information, our dedicated privacy team is ready to help.

Email: info@clyvianorex.com
Phone: +16042722378
Address: 9912 101 Ave, Fort St John, BC V1J 2B2, Canada

We respond to privacy inquiries within 30 days and provide clear explanations about our data practices. Your privacy is our responsibility, and we're here to ensure you feel confident about how your information is protected.