Privacy Policy

Last updated: July 9, 2026

This Privacy Policy describes how Harmony Financial (Harmony Financial Limited) collects, uses, and protects your personal information. We are committed to protecting your privacy and handling your data responsibly while providing you with the financial planning tools and resources you need.

Who We Are

We are a financial planning service dedicated to helping couples in Montreal manage their finances together. We provide tools and guidance for joint budgeting, communication about money, and shared financial goal setting. Our commitment to your privacy is fundamental to how we operate and serve our community.

Information We Collect

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

Account registration data including names, email addresses, and phone numbers
Financial information you voluntarily provide about your budget, income, and goals
Communication data from contact forms, emails, and support inquiries
Usage data including pages visited, features used, and interaction patterns
Device and browser information such as IP address, browser type, and operating system
Cookie data to enhance your browsing experience and remember preferences

Legal Basis for Processing

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

Your explicit consent when you register, subscribe, or contact us
Legitimate interest in providing and improving our services, maintaining security, and understanding how our platform is used
Contractual necessity to deliver the services you request
Legal obligations under Canadian privacy and financial regulations

How We Use Your Information

We use the information we collect to provide, maintain, and improve our services. Your data helps us personalize your experience, send you updates about features relevant to your goals, and provide customer support when needed. We analyze usage patterns to understand which features are most valuable to our users, allowing us to enhance our platform continuously.

We also use your information to communicate important updates about your account, respond to inquiries, and comply with legal obligations. We never sell your personal information to third parties for marketing purposes.

Data Retention

We retain your personal information only as long as necessary to provide our services and fulfill the purposes outlined in this policy:

Account and profile information: retained while your account is active and for up to 24 months after account closure
Financial data and budget information: retained while your account is active and for up to 12 months after closure for record-keeping purposes
Contact form messages and support inquiries: retained for up to 24 months after your last interaction
Website analytics and cookie data: retained for up to 13 months from collection
Server logs and technical data: retained for up to 12 months for security and troubleshooting purposes

Your Rights

You have important rights regarding your personal information. You can request access to the data we hold about you, ask for corrections if information is inaccurate, or request deletion of your information subject to legal obligations. You have the right to withdraw consent at any time, restrict how we process your data, and request a portable copy of your information in a structured format.

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within 30 days or as required by applicable law.

Cookies and Tracking

We use cookies to enhance your browsing experience, remember your preferences, and analyze how you interact with our platform. Essential cookies are necessary for basic functionality, while preference cookies remember your settings. Analytics cookies help us understand usage patterns and improve our services. You can control cookie settings through your browser, though some functionality may be limited if cookies are disabled.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include encryption of sensitive data, secure authentication processes, and regular security assessments. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

Third-Party Services

We may use third-party service providers to help us deliver our services, such as hosting providers, email services, and analytics platforms. These providers are contractually obligated to process your information only as necessary to provide services to us and to maintain appropriate security standards. We do not authorize them to use your information for their own marketing purposes.

Supervisory Authority

If you have concerns about how we handle your personal information, you have the right to lodge a complaint with the relevant data protection authority. In Canada, you can contact the Office of the Privacy Commissioner of Canada, which oversees compliance with federal privacy legislation.

Policy Updates

We may update this Privacy Policy from time to time 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 and updating the "Last updated" date. Your continued use of our services following such modifications constitutes your acceptance of the updated Privacy Policy.

Contact Us

If you have questions or concerns about this Privacy Policy or how we handle your personal information, please contact us:

Email: [email protected]

Phone: +1 514 287 4562

Address: 1847 Saint Catherine Street West, Montreal, H3H 1M2, Canada