Who We Are

talivorani operates as a financial planning service provider based in Sudbury, Ontario. We help Canadians build sustainable budgeting strategies for their future. Our physical office is located at 1412 Stephen St, Sudbury, ON P3E 4L5, Canada, and we serve clients across the country through our online platform at talivorani.world.

When we say "we," "us," or "our" in this document, we're talking about talivorani. When we say "you" or "your," we mean anyone who visits our website or uses our services.

Information We Collect

Information You Give Us Directly

When you create an account or contact us, you share certain details with us. This includes your name, email address, phone number, and any financial information you choose to input into our budgeting tools. We also collect any messages you send through our contact forms or support channels.

Information We Gather Automatically

Our systems collect technical data when you visit our site. This includes your IP address, browser type, device information, and how you interact with our platform. We use cookies and similar technologies to remember your preferences and understand how people use our service.

• Session data that helps keep you logged in securely
• Analytics information showing which features get used most
• Error logs that help us fix technical problems
• Time stamps for security and troubleshooting purposes

Financial Data You Enter

Our budgeting tools work because you input your financial information. This might include income figures, expense categories, savings goals, and projected financial scenarios. You control what you enter, and you can edit or delete this information whenever you want.

How We Use Your Information

We use what you share with us for specific, practical reasons. Everything revolves around making our budgeting service work for you and keeping it secure.

• Providing the budgeting tools and calculations you signed up for
• Sending important updates about your account or our service
• Responding when you reach out for support or have questions
• Improving our platform based on how people actually use it
• Detecting and preventing fraud or security issues
• Meeting legal obligations under Canadian financial regulations

We don't sell your personal information to third parties. Period. And we won't use your financial data for advertising or marketing purposes outside of our own service improvements.

Legal Basis for Processing (Canadian Context)

Under Canadian privacy laws, including PIPEDA (Personal Information Protection and Electronic Documents Act), we need legitimate reasons to collect and use your information. Here's our legal foundation:

Who We Share Information With

We keep your information within a small circle of trusted partners who help us operate our service. Here's the complete list:

Service Providers

We work with companies that handle specific technical functions. This includes cloud hosting providers who store our data securely, email service providers who help us communicate with you, and analytics tools that help us understand how our platform performs. These providers only access information necessary for their specific function and are contractually bound to protect your data.

Legal Requirements

Sometimes we're legally required to share information. This happens when law enforcement presents a valid warrant, when courts issue subpoenas, or when Canadian financial regulators request information as part of their oversight responsibilities. We'll notify you about these requests unless prohibited by law.

Business Transitions

If talivorani is acquired by or merges with another company, your information would transfer as part of that transaction. We'd notify you beforehand and explain any changes to how your data gets handled.

Your Privacy Rights

Canadian privacy law gives you specific rights over your personal information. Here's what you can do and how to do it:

To exercise any of these rights, email us at support@talivorani.world with "Privacy Rights Request" in the subject line. We'll respond within 30 days and walk you through the process. There's no fee for these requests unless they're clearly excessive or repetitive.

How We Protect Your Data

Security isn't just a checkbox for us. We implement multiple layers of protection because your financial information deserves serious safeguards.

Technical Measures

• End-to-end encryption for all data transmission using TLS 1.3
• AES-256 encryption for data stored on our servers
• Regular security audits and penetration testing
• Automated backup systems with encrypted archives
• Multi-factor authentication options for your account
• Firewall protection and intrusion detection systems

Organizational Measures

Our team receives regular privacy and security training. Access to user data is strictly limited to employees who need it for their specific job functions. We maintain detailed logs of who accesses what information and when. All employees sign confidentiality agreements before starting work.

Data Retention and Deletion

We don't keep your information forever. Here's how long different types of data stick around:

Active Account Data

While your account remains active, we retain all the information necessary to provide our service. This includes your profile information, budget data, and usage history. You can delete specific budget scenarios or entries whenever you want through your account dashboard.

Closed Account Data

When you close your account, we delete most of your personal information within 90 days. However, we keep certain records for seven years to comply with Canadian financial record-keeping requirements. These records are stored securely and accessed only when legally necessary.

What Gets Kept

• Transaction records for accounting and tax purposes (7 years)
• Support correspondence for service improvement (3 years)
• Anonymized analytics data (indefinitely, because it can't identify you)
• Legal compliance documentation as required by law

Cookies and Tracking

Our website uses cookies—small text files stored on your device—to make the service work properly. Here's what we use and why:

Essential Cookies

These keep you logged in, remember your preferences, and ensure the site functions correctly. You can't disable these without breaking the service, but they don't track you across other websites.

Analytics Cookies

We use privacy-focused analytics to understand how people use our platform. This helps us identify confusing features or technical problems. These cookies don't identify you personally, and we don't share this data with advertising networks.

Your Cookie Choices

Most browsers let you control cookies through their settings. You can block or delete cookies, though this might affect how well our service works for you. Your browser's help section explains how to manage cookies for your specific setup.

International Data Transfers

talivorani primarily operates within Canada, and we store data on Canadian servers. However, some of our service providers use cloud infrastructure that might process data in other countries, including the United States.

When data leaves Canada, we ensure it's protected through contractual safeguards that meet Canadian privacy standards. These contracts require our providers to implement security measures equivalent to Canadian requirements and give you the same privacy rights you'd have in Canada.

If you're concerned about where your data physically resides, contact us at support@talivorani.world. We can discuss your specific situation and explain our data storage arrangements in more detail.

Children's Privacy

Our service isn't designed for anyone under 18. We don't knowingly collect information from children, and our terms of service require users to be at least 18 years old or have parental consent.

If we discover that we've accidentally collected information from someone under 18, we'll delete it immediately. If you believe we have information about a child, contact us right away at support@talivorani.world.

Changes to This Policy

We update this privacy policy occasionally to reflect changes in our practices, technology, or legal requirements. When we make significant changes, we'll notify you by email and post a notice on our website at least 30 days before the changes take effect.

The "Last Updated" date at the top of this page shows when we last revised the policy. We encourage you to review it periodically, especially before providing any new personal information.

If you disagree with changes we make, you can close your account before they take effect. Continuing to use our service after changes become effective means you accept the updated policy.

Third-Party Links

Our website might link to external resources or tools that could help with your financial planning. These third-party sites have their own privacy policies, which we don't control. We're not responsible for how these external sites handle your information.

Before sharing personal information with any website we link to, read their privacy policy carefully. The protections described in this document only apply to information you share directly with talivorani.