Privacy Policy

Information We Collect

When you use miovanovasevea to calculate your net worth, we collect different types of information. Some you give us directly, some we gather automatically, and some comes from how you use our tools.

Information You Provide

• Account details: name, email address, phone number when you register
• Financial information: asset values, liability amounts, account types you enter into our calculator
• Contact preferences: how and when you want to hear from us
• Payment information: when you upgrade to premium features (processed through secure third-party services)
• Support communications: messages you send when asking for help

Information We Collect Automatically

Like most websites, we gather some technical data when you visit:

• Device information: IP address, browser type, operating system
• Usage data: pages viewed, features used, time spent on different sections
• Cookies and similar technologies: small files that help us remember your preferences
• Error logs: technical issues that occur during your session

Information From Third Parties

Sometimes we receive information from other sources, but only with proper authorization:

• Authentication services: if you sign in through Google or similar providers
• Analytics providers: aggregated data about how people use our site
• Payment processors: transaction confirmation (not full card details)

How We Use Your Information

We use your data to provide and improve our net worth calculation services. Everything we do with your information serves a specific purpose.

Service Provision

Your financial data lets us calculate your net worth accurately and track changes over time. We store your entries securely so you can access them whenever needed and update them as your situation changes.

Communication

We'll email you about important account updates, new features that might help you, and occasionally tips for managing your finances better. You control what messages you receive through your account settings.

Improvement and Development

We analyze how people use miovanovasevea (in aggregate, not individually) to find bugs, identify confusing features, and decide what new tools to build. This helps us create better financial tracking for everyone.

Data Storage and Security

Your financial information is sensitive, and we treat it that way. We use multiple layers of security to keep your data safe from unauthorized access.

Storage Location

Your data lives on servers located in Canada, subject to Canadian privacy laws. We use certified data centers with physical security measures, redundant systems, and regular backups.

Security Measures

• Encryption: All data transmitted between your device and our servers uses TLS 1.3 encryption
• Database protection: Financial information is encrypted at rest using AES-256 encryption
• Access controls: Only authorized personnel can access user data, with activity logging
• Regular audits: We conduct security assessments and vulnerability testing quarterly
• Secure authentication: Passwords are hashed using industry-standard algorithms
• Network security: Firewalls and intrusion detection systems protect our infrastructure

Data Retention

We keep your information as long as your account remains active. If you don't log in for 24 months, we'll send you a reminder about account inactivity. After 36 months of inactivity, we may delete your data unless you've specifically requested longer retention.

Information Sharing

We don't sell your financial data. Period. But we do share limited information with specific service providers who help us operate miovanovasevea.

Service Providers

These companies process data on our behalf under strict confidentiality agreements:

• Cloud hosting providers for server infrastructure
• Email service providers for account notifications
• Payment processors for subscription handling
• Analytics services for usage statistics (anonymized)
• Customer support tools for help desk operations

Legal Requirements

We may disclose information when legally required, such as responding to valid court orders, complying with tax regulations, or cooperating with law enforcement investigations. We'll notify you about such requests unless prohibited by law.

Business Transfers

If miovanovasevea is acquired or merged with another company, your information would transfer to the new entity. We'd notify you beforehand and explain any changes to privacy practices.

What We Never Share

• Your financial data with advertisers or marketing companies
• Individual user information with third parties for their marketing purposes
• Data to data brokers or aggregators
• Information to anyone without proper legal basis or your explicit consent

Your Privacy Rights

Canadian privacy law gives you significant control over your personal information. You can exercise these rights at any time by contacting us.

Access Your Data

You can request a copy of all personal information we hold about you. We'll provide this in a readable format within 30 days. You can also view most of your data directly in your account dashboard.

Correct Inaccuracies

Found an error in your stored information? You can update most details yourself through account settings. For other corrections, contact our support team and we'll fix it promptly.

Delete Your Information

You have the right to request deletion of your account and associated data. Here's what happens:

• Immediate: Your account becomes inaccessible
• Within 7 days: All financial data is permanently deleted from active systems
• Within 30 days: Data is removed from backups
• Exception: We may retain some information if required by law (typically tax records for 7 years)

Withdraw Consent

For processing based on your consent (like marketing emails), you can withdraw that consent anytime. Click "unsubscribe" in any email or adjust preferences in your account settings.

Port Your Data

Want to move your financial information elsewhere? We'll provide your data in a commonly used, machine-readable format (CSV or JSON) so you can transfer it to another service.

Object to Processing

You can object to how we process your information for certain purposes, particularly for direct marketing or automated decision-making. We'll honor your request unless we have compelling legal grounds to continue.

Cookies and Tracking

We use cookies and similar technologies to make miovanovasevea work properly and improve your experience. You have control over most of these.

Essential Cookies

These keep the site functioning and can't be disabled:

• Session cookies: Remember your login status
• Security cookies: Prevent fraudulent activity
• Load balancing: Distribute traffic efficiently

Functional Cookies

These remember your preferences and settings:

• Interface preferences: Dark mode, currency format, date format
• Notification settings: Which alerts you've dismissed
• Calculator preferences: Default categories and display options

Analytics Cookies

We use these to understand how people use miovanovasevea (you can opt out):

• Page views and navigation patterns
• Feature usage statistics
• Error tracking and performance monitoring

Managing Cookies

Most browsers let you control cookies through settings. Blocking all cookies might affect site functionality. You can also use our cookie preference center (accessible in your account settings) to customize which non-essential cookies we use.

Third-Party Services

miovanovasevea integrates with a few external services. Each has their own privacy policy that governs how they handle data.

Payment Processing

We use Stripe for payment processing. When you subscribe to premium features, Stripe handles your payment information according to their privacy policy. We receive only confirmation that payment succeeded — not your full card details.

Email Communications

Our transactional and marketing emails are sent through a third-party email service. They process email addresses and delivery data but don't access your financial information.

Analytics

We use privacy-focused analytics that don't track individuals across websites or create detailed user profiles. The data is aggregated and anonymized.

External Links

miovanovasevea may include links to financial education resources or partner sites. Once you leave miovanovasevea.world, our privacy policy no longer applies — check the privacy practices of those sites.

Children's Privacy

miovanovasevea is not intended for anyone under 18 years old. We don't knowingly collect personal information from minors. If you believe a child has provided us with personal information, contact us immediately and we'll delete it.

International Users

While miovanovasevea primarily serves Canadian users, people from other countries can use our services. Your data will be processed and stored in Canada, subject to Canadian privacy laws.

If you're accessing miovanovasevea from outside Canada, understand that your information will be transferred to and processed in Canada. Canadian privacy standards may differ from those in your country, though PIPEDA provides strong protections comparable to many international privacy frameworks.

Changes to This Policy

We update this privacy policy occasionally to reflect new features, legal requirements, or operational changes. When we make significant changes, we'll notify you through:

• Email notification to your registered address
• Prominent notice on the miovanovasevea website
• In-app notification when you next log in

The "Last Updated" date at the top of this policy shows when changes were made. Continued use of miovanovasevea after changes take effect means you accept the updated policy.

Data Breach Notification

Despite our security measures, no system is completely immune to breaches. If a security incident affects your personal information, we'll notify you within 72 hours of discovering the breach.

Our notification will include:

• What happened and when we discovered it
• What types of information were affected
• Steps we're taking to address the breach
• Recommended actions you should take
• How to contact us for more information

We'll also report significant breaches to the Privacy Commissioner of Canada as required by law.