AI Debt Roadmap

This document is provided for general informational purposes and may not reflect all legal requirements. You should consider obtaining independent legal advice.

1. Overview

This Privacy Policy describes how AI Debt Roadmap (“we”, “our”, “the Service”) collects, uses, and protects your personal information when you use our website. This service is intended for users in Canada.

2. Information We Collect

We collect several types of information to provide and improve our Service:

Account Information: When you create an account, we collect your email address and a securely hashed version of your password (which is not visible to us).
Financial Inputs Provided by You: To generate your roadmap, you provide us with details about your finances, including:
- Income (amount, frequency, stability)
- Essential expenses (housing, utilities, groceries, etc.)
- Debt details (creditor names, balances, interest rates, minimum payments, status)
We do not require or store full credit card numbers or banking login credentials.
Usage Data: We may collect information on how the Service is accessed and used, such as pages visited, buttons clicked, and interactions with the AI.
Technical Data: We automatically collect certain information, including your IP address, browser type, device information, and general location (e.g., city/region).

3. How We Use Your Information

Your information is used for the following purposes:

To generate and display your personalized AI-powered debt roadmaps and budgeting suggestions.
To operate, maintain, secure, and improve our website and services.
To understand how our users interact with the service in aggregate to enhance user experience.
To communicate with you about your account, service updates, or other important notifications.
To comply with legal obligations or to protect our rights.

4. Legal Basis for Processing

We process your information to provide the service you requested (i.e., generating a debt roadmap), for our legitimate business interests (like improving the service), and to comply with legal requirements where applicable.

5. Data Storage & Retention

Your data is stored using secure third-party cloud infrastructure, such as Firebase. We retain your data as follows:

Your account and financial data are retained as long as your account is active, allowing you to revisit and update your roadmap.
You can request the deletion of your account and associated data by contacting us at the email below.
Some anonymized or aggregated data and server logs may be retained for a limited period for security, debugging, and legal compliance purposes.

6. Sharing of Information

We do not sell your personal information. We may share your data with trusted service providers who help us operate our service, including:

Cloud hosting providers (e.g., Google Firebase)
AI model providers (for generating your roadmap)
Analytics and email service providers

These providers are contractually obligated to protect your data. We may also disclose information if required by law or to protect the rights, property, or safety of our company, our users, or the public.

7. Cookies and Similar Technologies

We use cookies and similar technologies for essential functions, such as keeping you logged in and for basic analytics to understand how our service is used. You can control cookies through your browser settings, but disabling them may affect the functionality of the Service.

8. Data Security

We implement reasonable technical and organizational measures, such as encryption in transit and secure authentication protocols, to protect your personal information. However, no system is 100% secure, and we cannot guarantee absolute security.

9. Children’s Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you are a parent or guardian and believe your child has provided us with information, please contact us to request its deletion.

10. International Data Transfers

Your information may be processed and stored on servers located outside of Canada (e.g., in the United States) through our service providers. While your data is in another jurisdiction, it may be subject to its laws, but we will ensure it is protected as described in this Policy.

11. Your Choices & Rights

You have the right to:

Update your account information through your profile settings (when available).
Request the deletion of your account and associated personal data by contacting us.
Choose not to provide certain information, though this may limit your ability to use certain features.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes and update the “Last Updated” date at the top of this page. We encourage you to review this policy periodically.

13. Contact Information

If you have any questions about this Privacy Policy, you can contact us at: support@aidebtroadmap.ca.