Privacy Policy

This Privacy Policy describes how FlowCast AI (FlowCast AI Financial Technologies Limited) collects, uses, and protects your personal information. We are committed to safeguarding your data and maintaining transparency about our practices. This policy applies to all users of our neural network-driven cash flow prediction service and related offerings.

Who We Are

We are a financial technology company providing AI-powered forecasting solutions for corporate treasury management in Toronto. We process personal data as a data controller and are responsible for ensuring compliance with applicable privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and the General Data Protection Regulation (GDPR) where applicable.

Information We Collect

We collect information in several ways to provide and improve our services:

• Account Information: Name, email address, company name, job title, and contact details when you register or contact us.
• Service Data: Financial data, transaction histories, and cash flow information you voluntarily upload to use our forecasting tools.
• Usage Data: Information about how you interact with our platform, including pages visited, features used, and time spent on our service.
• Technical Data: IP addresses, browser type, device information, and cookie identifiers for security and analytics purposes.
• Communication Data: Messages, inquiries, and feedback you send through our contact forms or support channels.

Legal Basis for Processing

We process your personal data based on the following legal grounds:

• Consent: When you explicitly agree to data processing, such as subscribing to our newsletter or enabling analytics.
• Legitimate Interest: To improve our services, conduct security measures, and prevent fraud while protecting your rights.
• Contractual Necessity: To perform our service agreement and deliver the forecasting solutions you've requested.
• Legal Obligation: To comply with regulatory requirements, tax laws, and legal requests from authorities.

How We Use Your Information

We use collected data for legitimate business purposes including service delivery, account management, and platform improvement. Your financial data powers our AI models to generate accurate cash flow predictions tailored to your organization. We analyze usage patterns to enhance user experience and develop new features. Communication data helps us respond to inquiries and provide customer support. Technical data ensures platform security, detects unauthorized access, and prevents fraudulent activity. We never sell your personal information to third parties.

Data Retention

We retain personal data only for as long as necessary to fulfill the purposes outlined in this policy:

• Account and Service Data: Retained throughout your active subscription and for 24 months after account termination or last interaction.
• Contact Form Messages: Retained for up to 24 months to address inquiries and maintain service records.
• Analytics and Cookie Data: Retained for up to 14 months to understand usage patterns and improve our platform.
• Server Logs: Retained for up to 12 months for security monitoring and troubleshooting purposes.
• Financial Transaction Records: Retained for 7 years to comply with Canadian tax and financial regulations.

Your Privacy Rights

You have the following rights regarding your personal information:

• Right of Access: Request a copy of all personal data we hold about you in a structured, commonly-used format.
• Right to Correction: Request that we correct inaccurate or incomplete personal information.
• Right to Deletion: Request deletion of your personal data, subject to legal retention obligations.
• Right to Restrict Processing: Request that we limit how we use your information while we verify its accuracy.
• Right to Data Portability: Receive your data in machine-readable format and transfer it to another service provider.
• Right to Object: Object to processing for marketing purposes or legitimate interest-based activities.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience and gather analytics. Essential cookies enable core functionality like authentication and security. Preference cookies remember your settings and choices. Analytics cookies help us understand how users interact with our platform, allowing us to optimize features and content. Marketing cookies may be used to deliver relevant content, though we respect your preferences. You can manage cookie preferences through your browser settings or our cookie management tool. Declining certain cookies may limit platform functionality.

Data Security

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These include encryption of data in transit and at rest, secure authentication mechanisms, regular security audits, and restricted access controls. Our team members access personal data only when necessary to perform their duties. However, no security system is completely impenetrable, and we cannot guarantee absolute security despite our best efforts.

Third-Party Services

We may engage third-party service providers to assist with platform operations, including cloud infrastructure providers, analytics services, and payment processors. These vendors are contractually obligated to protect your data and use it only for specified purposes. We do not share financial forecasting data with third parties without your explicit consent. You can request information about our specific vendors and their data handling practices.

International Data Transfers

As a Toronto-based company, we primarily process data within Canada. If data is transferred internationally, we implement appropriate safeguards including standard contractual clauses and adequacy decisions where applicable. We ensure that international transfers comply with PIPEDA, GDPR, and other relevant regulations to maintain the same level of protection.

Supervisory Authority

If you believe we have violated your privacy rights or handled your data improperly, you have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada (OPC) or, if applicable, your local data protection authority. For European Union residents, you may contact your national supervisory authority. Submitting a complaint does not prevent you from pursuing other remedies.

Children's Privacy

Our services are intended for business users and corporate treasury professionals. We do not knowingly collect personal information from individuals under 18 years of age. If we become aware that a minor has provided us with personal data, we will take steps to delete such information and terminate the minor's account promptly.

Changes to This Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by posting the updated policy on our website with a new "Last Updated" date. Your continued use of our services following such changes constitutes your acceptance of the revised policy. We encourage you to review this policy regularly to stay informed about how we protect your information.