Privacy
Privacy Policy
This Privacy Policy explains how NUMIO INC. collects, uses, discloses, and protects personal information when you use Numio. It is written for Numio's Canadian household budgeting service and the service providers that help us operate it.
Scope and Accountability
NUMIO INC. is responsible for personal information under its control that is handled through the Numio websites, applications, household budgeting workspace, and related features. We use service providers to help authenticate users, store and process data, operate analytics, and support the current product surface.
Questions, access requests, correction requests, deletion requests, export requests, and privacy complaints can be sent to legal@numio.ca or mailed to Toronto, Ontario, Canada.
Categories of Personal Information We Collect
The information we collect depends on how you use the Service and which features you enable.
- Account and identity data, such as your name, email address, authentication identifiers, and profile details.
- Household workspace data, such as household name, invite status, member role, settings, and tier-related information.
- Financial workspace data, such as manually entered accounts, balances, budgets, goals, categories, transactions, recurring items, and insight or review states.
- Device and usage data, such as IP address, browser or device details, log data, and product usage or performance data collected through our analytics and infrastructure providers.
- Communications data, such as support requests, feedback, and our responses.
Sources of Personal Information
We collect personal information directly from you when you sign up, complete onboarding, use the household budgeting workspace, enter data, request support, or otherwise interact with the Service.
We may also receive information from Clerk for authentication and session handling, and analytics or infrastructure providers that help us operate the Service.
How We Use Personal Information
We use personal information to operate, secure, and improve the Service and to provide the features you request.
If we send promotional messages, we will do so in accordance with applicable law and provide unsubscribe options where required.
- Authenticate users, maintain sessions, and protect accounts and the Service.
- Create, administer, and support household workspaces, invites, onboarding, and settings.
- Store, calculate, and display budgets, accounts, balances, transactions, goals, and related planning data.
- Support manual review, account snapshots, and workspace status views.
- Respond to support requests and send service-related notices.
- Monitor reliability, prevent misuse, investigate incidents, and improve product performance.
- Comply with legal obligations and enforce our terms and policies.
Service Providers and Disclosures
We disclose personal information to service providers and subprocessors that perform services on our behalf, such as Clerk for authentication, Vercel for hosting and analytics, and Convex for application data storage.
We may also disclose information when you direct us to do so, within your household workspace, in connection with a merger, financing, or sale of assets, or when required or permitted by law, including to protect rights, safety, or the Service.
Retention
We retain personal information for as long as reasonably necessary to provide the Service, maintain the household workspace, comply with legal obligations, resolve disputes, enforce agreements, and protect the Service.
Retention periods vary depending on the type of information and our operational needs. When personal information is no longer required, we will delete it, de-identify it, or securely isolate it in backups until deletion is feasible.
Safeguards and Cross-Border Processing
We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information, including authenticated access controls, provider security features, and reasonable restrictions on internal access.
Because we use service providers, personal information may be processed or stored outside your province or outside Canada, including in the United States or other jurisdictions where our providers operate. Personal information in those jurisdictions may be accessible to courts, law enforcement, or regulators under local law.
Your Choices and Rights
Subject to applicable law, you may request access to, correction of, deletion of, or export of personal information we hold about you, or withdraw consent where consent is the legal basis and withdrawal is available.
At this time, these requests must be made through legal@numio.ca; self-serve privacy tooling may not be available in the product. We may need to verify your identity and may decline or limit a request where permitted by law, including when information must be retained for security, legal, or operational reasons.
Residents of Quebec and other Canadian jurisdictions may have additional rights under applicable law. If you are not satisfied with our response, you may have the right to contact the Office of the Privacy Commissioner of Canada or the applicable provincial privacy regulator.
Children and Minors
The Service is not directed to children and is intended for people who have reached the age of majority in their place of residence.
If you believe a minor has provided personal information in violation of these rules, contact us so we can investigate and take appropriate steps.
Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will post the updated version, change the effective date, and, if the changes are material, provide additional notice where reasonably appropriate.
If you have questions about this Privacy Policy, contact legal@numio.ca or write to NUMIO INC. at Toronto, Ontario, Canada.