Privacy Policy
Effective Date: April 2, 2025
Last Updated: April 2, 2025
Welcome to PensionHelper. We are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your information when you use our website and services.
1. Who We Are
PensionHelper is a private, for-profit service that helps Canadian seniors understand, track, and manage their government benefits. We are not affiliated with the Government of Canada.
2. What Information We Collect
a. Personal Information
- Name
- Email address
- Phone number (optional)
- Date of birth
- Province of residence
- Marital status
- Financial and income information
b. Government Benefits Data
- Eligibility information based on user input
- Deposit history (via optional bank account connection)
- Uploaded government letters or documents
c. Banking Information (via third-party providers)
With your explicit consent, we may access limited financial data through a secure third-party like Plaid to track deposit activity (e.g., CPP, OAS, GIS).
d. Caregiver Information
If you choose to add a caregiver, we may collect their name and contact information to send alerts or reminders on your behalf.
e. Usage Data
- Pages visited
- IP address
- Device and browser information
- Cookies and session data
3. How We Use Your Information
- Assess your benefit eligibility
- Create a personalized checklist of government programs
- Track and display your benefit deposits
- Send you reminders and alerts (e.g., renewal deadlines)
- Explain letters you upload in plain language
- Notify caregivers about important benefit issues (if authorized)
We do not sell your personal data.
4. Sharing Your Information
We may share your information with:
- Service providers (e.g., Plaid) to enable core features like bank integration
- Caregivers (only with your permission)
- Legal authorities, if required by law
All third-party providers must comply with strict data privacy standards.
5. How We Store and Protect Your Data
- End-to-end encryption (SSL/TLS)
- Secure servers hosted in Canada
- Role-based access controls
- Regular security audits and penetration testing
6. Your Choices and Rights
You can:
- Access and update your information anytime
- Revoke consent to bank integration
- Remove a caregiver at any time
- Delete your account and all associated data
To make any of these changes, contact us at privacy@nxtbuck.com.
7. Cookies and Analytics
We use cookies and analytics tools to understand how users interact with our site and improve the experience. You can adjust your browser settings to manage or disable cookies.
8. Children’s Privacy
Our services are intended for individuals aged 55 and older. We do not knowingly collect data from children under 18.
9. Changes to This Policy
We may update this Privacy Policy from time to time. If we make material changes, we’ll notify you via email or through the app.
10. Contact Us
If you have any questions or concerns, reach out to:
Email: privacy@nxtbuck.com
Toronto, ON, Canada