Privacy Policy

What we collect

• Your email address (used for login via magic link)
• Your conversation history with the AI financial coach
• Financial information you share during coaching sessions (income, expenses, debts, savings, and goals) — stored encrypted
• Your subscription status (free, trialing, or active)

We do not collect your name, address, SIN, bank account numbers, credit card numbers, or any other sensitive financial identifiers.

Where your data is stored

Your account data and conversation history are stored on a private server located in Canada. Financial information shared during coaching is encrypted with AES-256 before storage. This data is not stored in any third-party cloud service.

Anthropic (Claude AI)

Northplan is powered by Claude, an AI made by Anthropic. When you send a message, it is transmitted to Anthropic's servers in the United States for processing.

• Anthropic does not use API conversations to train its models
• Anthropic retains API data for up to 30 days for trust & safety purposes
• See Anthropic's privacy policy at anthropic.com/privacy for full details

OpenAI (voice input)

If you use voice input, your audio is sent to OpenAI's Whisper service for transcription. The audio is used solely for transcription and is not stored by Northplan after processing.

• OpenAI does not use API data to train its models
• OpenAI retains API data for up to 30 days for abuse monitoring
• See OpenAI's API data usage policy at openai.com/policies for full details

Stripe (payments)

Subscription billing is handled by Stripe. Your payment card details are entered directly on Stripe's secure servers — Northplan never sees or stores your card number. See Stripe's privacy policy at stripe.com/privacy.

Province detection

When you open the app, your IP address is used to detect your approximate location (province) so we can provide relevant tax and benefits information. This lookup is performed by a third-party geolocation service. Your IP address is not stored by Northplan.

How we use your data

• To provide the AI coaching service
• To save your conversation so you can continue where you left off
• To manage your subscription
• To send magic link login emails

We do not sell, share, or rent your data to any third party.

Encryption & security

• Financial data is encrypted with AES-256 before being stored in the database
• All connections use HTTPS/TLS encryption in transit
• Each user's data is isolated through database-level row security — users can only access their own data
• We do not log or store your financial details outside of your encrypted account data

For more details, see our Security page.

Data retention

Your account data and conversation history are kept for as long as your account is active. When you delete your account, all data is permanently deleted — including your conversation history.

Your rights (PIPEDA)

Under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

• Access the personal information we hold about you
• Correct inaccurate information
• Withdraw consent and request deletion of your data

To exercise these rights or ask questions about our privacy practices, email [email protected].

Delete your account

You can delete your account at any time from within the app. This permanently deletes your email, conversation history, and all associated data. To request deletion by email, contact [email protected].

Not financial advice

Northplan is an educational tool only. It does not constitute licensed financial advice. See our Terms of Service for full details.