Privacy Policy

Pocket Financial (Canada)

Pocket Financial (the “Product“) is a Canadian financial wellness application distributed and operated by Bright Learning Lab, Inc. (“Bright Learning Lab”, “we”, “us”, or “our”).

Bright Learning Lab is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you access or use Pocket Financial and related services (collectively, the “Services“).

If you do not agree with this Privacy Policy, do not use the Services.</strong >

1. Contact

2. Scope

This Privacy Policy applies to personal information we handle in connection with:

• The Pocket Financial mobile application and website;
• Customer support communications;
• Any other interactions you have with Bright Learning Lab related to Pocket Financial.

This Privacy Policy does not apply to third-party services you may connect to Pocket Financial (such as banks or financial data aggregators), which are governed by their own privacy practices.

3. Definitions

• “Personal Information” means information about an identifiable individual, as defined under applicable Canadian privacy laws.
• “Account” means your Pocket Financial profile.
• “Device Information” means technical data about the device you use to access the Services.

4. Information We Collect

We collect information in the following ways:

4.1 Information You Provide to Us

Depending on how you use the Services, you may provide:

• Identity & Contact Information: name, email address, phone number (optional), profile preferences;
• Account Credentials: login information, authentication information;
• Financial Preferences / Budget Inputs: spending categories, goals, rules, notes, and related user-entered content;
• Support Communications: messages, attachments, and feedback you send to customer support.

4.2 Information We Collect Automatically

When you use the Services, we may collect:

• Device and App Information: device model, operating system, app version, language, time zone;
• Usage Data: pages/screens viewed, interactions, session timing, performance diagnostics;
• Log Data: IP address, crash logs, timestamps, error reports.

4.3 Financial Data (Connected Accounts)

If you choose to connect a financial account through integrations or third-party providers, we may access and process:

• Transaction history, merchant names, transaction amounts and timestamps;
• Account type (e.g., chequing, credit, loan);
• Balance information (if provided);
• Institution identifiers.

4.4 Cookies and Similar Technologies

If you use Pocket Financial’s website, we may use cookies, SDKs, and similar technologies for analytics and security. You can control browser cookie settings.

5. How We Use Your Information

We use Personal Information for the following purposes:

5.1 Provide and Operate the Services

Including to:

• Create and administer your Account;
• Enable core features such as budgeting tools, insights, and reporting;
• Personalize your experience;
• Provide customer support.

5.2 Improve and Develop the Services

Including to:

• Analyze usage trends;
• Maintain and improve app performance;
• Conduct internal research and product development.

5.3 Security and Fraud Prevention

Including to:

• Detect suspicious behavior;
• Monitor for and prevent fraud, misuse, and unauthorized access;
• Maintain the integrity of the Services.

5.4 Communications

Including to:

• Send service-related notices (e.g., updates, security messages);
• Respond to inquiries and support tickets.

5.5 Compliance and Legal

Including to:

• Meet regulatory obligations;
• Enforce our Terms and Conditions;
• Protect rights, safety, and property.

6. Consent and Legal Bases (Canada)

Bright Learning Lab collects, uses, and discloses Personal Information in accordance with applicable Canadian privacy laws (including PIPEDA and applicable provincial privacy laws).

We generally rely on:

• Your consent (express or implied, depending on sensitivity and context);
• Legal obligations;
• Legitimate business purposes, where permitted.

7. How We Share Your Information

We may share Personal Information in the following circumstances:

7.1 Service Providers

We may share with vendors that support our operations, such as:

• Cloud hosting and storage providers;
• Analytics providers;
• Customer support tools;
• Security monitoring tools.

Service providers are contractually required to protect your information and use it only to provide services to Bright Learning Lab.

7.2 Financial Integration Providers

If you connect accounts, we may share data with approved third-party integration providers to enable those features.

7.3 Legal Requirements

We may disclose information if required to comply with law, court order, or regulatory request, or if we believe disclosure is necessary to:

• Protect users or others;
• Prevent fraud or security incidents;
• Enforce our agreements.

7.4 Corporate Transactions

If Bright Learning Lab undergoes a business transaction such as a merger, acquisition, or sale of assets, information may be transferred as part of the transaction, subject to appropriate protections.

8. Data Residency and International Transfers

Bright Learning Lab is Canada-based, however some service providers may store or process information outside Canada (e.g., in the United States).

9. Data Retention

We retain Personal Information only as long as necessary for the purposes described in this Privacy Policy, including:

• For as long as your Account is active;
• As needed to comply with legal obligations;
• To resolve disputes and enforce agreements.

When no longer required, we securely delete or de-identify information.

10. Data Deletion

Users can delete their account along with all associated personal data directly within the app.

How to delete your account:

1. Open the app.
2. Go to Settings → Profile → Delete Account.
3. Confirm the deletion request.

Data deleted:

• All Data will be deleted

Deletion will be processed immediately.