Privacy & Terms

Aurum Technologies Inc. ("we", "us" or "our") provides a consumer mobile and web application (the "Service"). This Privacy Policy describes how we collect, use, disclose, retain and protect Personal Information when you use the Service, visit our websites, or otherwise interact with us.

This Policy applies to individuals in Canada, the United States and other countries where the Service is available. It is intended to comply with PIPEDA, Law 25 (Quebec), the CCPA/CPRA, the Gramm-Leach-Bliley Act, US State Privacy Laws (Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana), the EU GDPR, UK GDPR, Swiss FADP, Brazil's LGPD, and Australia's Privacy Act 1988.

By using the Service, you acknowledge that you have read and understood this Policy.

Personal Information means information about an identifiable individual, including "personal data" as defined under Applicable Privacy Laws.

Sensitive Personal Information includes government-issued identifiers, financial account information, precise geolocation, account credentials, racial or ethnic origin, health information, biometric data, and information concerning a known child.

Applicable Privacy Laws means PIPEDA, Law 25, the CCPA, GLBA, the US State Privacy Laws, EU GDPR, UK GDPR, Swiss FADP, Brazil's LGPD, Australia's Privacy Act 1988, and any other applicable privacy law.

Service Provider has the meaning given under the CCPA and includes processors and service providers as used in the US State Privacy Laws and PIPEDA.

• Identifiers — name, email, mobile number, username, credentials, IP address, device identifiers.
• Account and profile information — date of birth, profile photo, preferences, content you submit.
• Commercial information — transaction history, subscription status, purchase records.
• Financial information — payment card details (processed by our payment provider, not stored on our servers), billing address, bank account information where applicable.
• Internet and network activity — device and browser type, OS, pages viewed, in-app actions, crash logs.
• Geolocation data — approximate location from IP address; precise geolocation only with your consent.
• Inferences — drawn from the above to create a profile of your preferences and behaviour.

We do not knowingly collect Sensitive Personal Information beyond what a requested feature requires. We do not use or disclose Sensitive Personal Information beyond purposes permitted under the CCPA without your consent.

• Directly from you — when you create an account, complete forms, make a purchase, or contact us.
• Automatically — through cookies, SDKs, pixels and similar technologies (see Section 12).
• From third parties — identity verification providers, payment processors, analytics providers, advertising partners, social media platforms if you connect your account, and publicly available sources.

• To provide, operate, maintain and improve the Service
• To create and manage your account and authenticate your identity
• To process transactions, including billing and refunds
• To communicate with you — support, service announcements, security alerts
• To personalise content, features and recommendations
• To measure performance, conduct research and develop new features
• To detect, prevent and investigate fraud, abuse and security incidents
• To comply with legal obligations and enforce our legal rights
• To send marketing communications where you have consented (see Section 13)

We rely on your consent, the necessity of processing to perform a contract with you, our legitimate interests in operating and improving the Service, and compliance with legal obligations.

• Service Providers — hosting, payment processing, analytics, customer support, communications and identity verification, each bound by written agreements restricting their use of your information.
• Professional advisors — legal counsel, auditors and insurers.
• Governmental authorities — where required or permitted by law, including in response to a subpoena, court order or regulatory request.
• Corporate transaction parties — in connection with a merger, acquisition, financing or sale of assets, subject to confidentiality obligations.
• Other parties — with your consent or at your direction.

The Company is based in Ontario, Canada. Personal Information may be stored and processed in Canada, the United States and other jurisdictions where we or our Service Providers operate. We use contractual, technical and organisational safeguards to protect transferred Personal Information.

Quebec residents: we conduct a privacy impact assessment before transferring Personal Information outside Quebec as required by Law 25. For transfers from the EEA, UK or Switzerland to countries without recognised adequate protection, we implement Standard Contractual Clauses or equivalent mechanisms. You may request a copy by contacting us at Section 19.

We retain Personal Information only as long as necessary to fulfil the purposes for which it was collected, to comply with legal, accounting and tax obligations, to resolve disputes and to enforce our agreements. When no longer required, we securely destroy, erase or de-identify it.

We maintain administrative, technical and physical safeguards appropriate to the sensitivity of the Personal Information in our custody, including access controls, encryption in transit, secure development practices, employee training and incident response procedures.

No method of transmission over the internet is fully secure. If we become aware of a security incident affecting your Personal Information, we will notify you and applicable regulators as required by law.

If and to the extent the Company is a "financial institution" under GLBA, we collect nonpublic personal information from applications, transactions and interactions with our Service Providers. We disclose such information only as permitted by GLBA — to Service Providers performing services on our behalf, to complete authorised transactions, and as required by law. We do not disclose nonpublic personal information to non-affiliated third parties for their own marketing purposes.

The Service is not directed to children under 13 (under 14 in Quebec), or under any higher minimum age applicable in the child's jurisdiction (16 in the EEA and UK; 18 in India). If we learn we have collected Personal Information from a child without verified parental consent, we will delete it promptly. Parents or guardians may contact us at Section 19.

We and our Service Providers use cookies, SDKs, pixels, local storage and similar technologies to operate the Service, remember preferences, measure usage and, where required consent exists, deliver targeted advertising. You may control these through your browser settings, mobile device settings (including Limit Ad Tracking or App Tracking Transparency), and opt-out mechanisms within the Service. We honour Global Privacy Control signals where required by law.

Where required by law, we obtain your consent before sending commercial electronic messages. In Canada we comply with CASL. In the US we comply with the CAN-SPAM Act and, for telephone and SMS marketing, the TCPA and applicable state laws. You may withdraw consent or opt out at any time by following the unsubscribe instructions in any message, by updating your account settings, or by contacting us at Section 19. Withdrawal does not affect transactional or service-related communications.

Depending on your jurisdiction, you may have the right to access, correct, delete, or port your Personal Information; opt out of the sale, sharing or targeted advertising of your information; limit the use of Sensitive Personal Information; withdraw consent; and be free from unlawful discrimination for exercising these rights.

Quebec residents also have the right to data portability, to be informed of automated decision-making, and to request cessation of dissemination or de-indexing.

EEA, UK and Switzerland residents also have the right to object to processing, restrict processing, and lodge a complaint with your local supervisory authority.

California residents have the right to know the specific pieces of Personal Information collected, categories of sources, business purposes, and categories of third parties receiving your information.

To exercise any right, contact us at Section 19. We respond within applicable legal timeframes, verify your identity before acting, and will explain any denial. You may appeal any denial by writing to our Privacy Officer.

We process recognised opt-out preference signals, including the Global Privacy Control, as a valid request to opt out of the sale or sharing of Personal Information and targeted advertising where required by law. We do not otherwise respond to "Do Not Track" browser signals.

We may de-identify or aggregate Personal Information so it can no longer reasonably be used to identify an individual. We maintain and use de-identified information without attempting to re-identify it, except as permitted by law to test our de-identification processes.

The Company has appointed a Privacy Officer accountable for our compliance with this Policy and Applicable Privacy Laws. The Privacy Officer may be contacted as set out in Section 19.

We may amend this Policy from time to time. The amended Policy will be posted with a revised effective date. Where required by law, we will notify you of material changes and, if necessary, obtain your consent before those changes apply to you.

Questions, requests and complaints may be directed to:

This Mobile Application Download and Terms of Use Agreement ("Agreement" or "Terms") is a binding legal agreement between Aurum Technologies Inc., a corporation incorporated under the laws of the Province of Ontario ("Company", "we", "us" or "our"), and you ("User") governing your access to and use of our mobile application ("Application") and any related content, features and services (the "Service").

By creating an account, downloading, installing or using the Application, you confirm that: (a) you are at least the age of majority in your province, state or territory of residence; (b) you have the legal capacity to enter into this Agreement; and (c) if you are accessing the Service on behalf of another person or entity, you have authority to bind them. If you do not agree, you must not download, install or use the Application. You may not use the Service if prohibited by applicable law.

Financial Account Data — information about your accounts held with banks, credit unions, brokerage firms, credit card issuers, payment platforms and other financial institutions, including account balances, transaction history and account numbers.

Data Aggregation Provider — a third-party the Company engages to access and process Financial Account Data on your behalf, including Plaid Inc. and Plaid Financial Ltd., and any successor or additional provider.

Linked Account — a financial account you connect to the Service through a Data Aggregation Provider.

Third-Party Data Providers — financial institutions, payment networks, credit bureaus, market-data vendors, government data sources, Data Aggregation Providers and other third parties from which Information or Financial Account Data is sourced.

Partner Offers — offers, products and services advertised, listed, compared or made available through the Service that are provided by third parties.

User Content — any content, data, text, reviews, ratings, comments or other material you submit through the Service, other than Financial Account Data.

Subject to your compliance with these Terms, the Company grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to download, install and use the Application on a mobile device you own or control, solely for your personal, non-commercial use.

You must not: copy, modify or create derivative works of the Application; reverse engineer or attempt to derive the source code; rent, sell or transfer the Application; remove proprietary notices; use the Application to develop a competing product; circumvent any security mechanism; use bots or scrapers to access the Service; or use the Service for any unlawful or abusive purpose. The Application is licensed, not sold.

If you downloaded from the Apple App Store: these Terms are between you and the Company only. Apple has no obligation to provide maintenance or support. The Company, not Apple, is responsible for addressing claims relating to the Application. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms as they relate to your licence.

If you downloaded from the Google Play Store: Google LLC is not a party to these Terms and is not responsible for the Application or its content. Your use must comply with the Google Play Terms of Service.

You must provide accurate, current and complete information when registering and update it promptly when it changes. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. Notify the Company immediately of any unauthorised access or suspected security incident. The Company may suspend or terminate your account for suspected fraud, abuse, security risk or violation of these Terms.

The Company is not a registered investment adviser, dealer, portfolio manager, investment-fund manager, broker, financial planner, accountant, tax adviser, lawyer or fiduciary. The Information does not constitute financial planning advice; investment advice or a solicitation to buy, sell or hold any security, derivative, cryptocurrency or financial instrument; accounting, bookkeeping, audit or assurance services; tax advice; legal advice; or insurance, retirement, estate-planning or actuarial advice.

You must independently verify all Information before acting on it and consult with qualified, licensed professionals before making any financial, investment, tax, legal or other decision. Nothing in the Service creates a fiduciary, advisory, agency or professional relationship between you and the Company.

By connecting a Linked Account, you authorise the Company and the applicable Data Aggregation Provider to access, retrieve, store, transmit and use Financial Account Data on your behalf for the purpose of providing and improving the Service. You also authorise each financial institution to disclose your Financial Account Data to the Data Aggregation Provider and the Company.

Your use of Plaid is governed by Plaid's End User Privacy Policy and end-user services agreement, available at plaid.com/legal. You may view or manage your Plaid connections, or request deletion of your data from Plaid's systems, at my.plaid.com, or by contacting Plaid directly at privacy@plaid.com. You may disconnect a Linked Account at any time through the Application's settings; doing so revokes the Company's access to that data and triggers deletion of the associated Plaid connection. The Company does not guarantee the availability, accuracy or timeliness of Financial Account Data and does not move funds on your behalf unless expressly enabled and separately authorised.

Information displayed in the Service is sourced from Third-Party Data Providers. The Company does not originate, audit or independently verify the underlying data and has no obligation to monitor or update it. Information may be subject to delays, errors, inaccurate or out-of-date data at the source, and differences in calculation methodology. Treat the Information as a starting point and confirm material details directly with the relevant financial institution, professional adviser or other authoritative source.

The Company is not a bank, trust company, credit union, lender, broker, mortgage broker, insurer, money services business, securities dealer, investment adviser, portfolio manager, investment-fund manager or consumer reporting agency. The Service does not extend credit, originate loans, accept deposits, issue payment instruments, settle transactions, sell securities or render any regulated financial service. Any score, rating, projection or analysis is a tool for general information and education only, is not a credit decision, and may differ from scores used by lenders, insurers or other regulated entities.

The Service may display Partner Offers from third parties. The Company may receive referral fees, advertising fees, lead-generation fees or other commercial incentives in connection with a User's engagement with a Partner Offer. The order, prominence and inclusion of Partner Offers may be influenced by these commercial arrangements. The Company's presentation of any Partner Offer is not an endorsement, recommendation or warranty. Partner Offers are subject to the terms of the third party providing them.

You must not: use the Service in violation of applicable law or third-party rights; upload content that is unlawful, infringing, defamatory, obscene, harassing, deceptive or objectionable; post fake, paid or incentivised reviews; introduce malware or harmful code; interfere with or disrupt the Service; access the Service through unauthorised interfaces; impersonate any person; or use the Service to compile, scrape, harvest or extract data for marketing, machine learning model training, resale or any other purpose not expressly authorised by the Company in writing.

You retain ownership of your User Content. You grant the Company a perpetual, irrevocable, non-exclusive, royalty-free, worldwide licence to host, store, reproduce, modify, publish, distribute and otherwise use User Content in any media for the purpose of operating, providing, promoting and improving the Service. You represent and warrant that you own or have all necessary rights to grant this licence and that your User Content does not infringe any third-party right. If you provide Feedback regarding the Service, you assign to the Company all right, title and interest in and to that Feedback.

If you believe that material made available through the Service infringes your copyright, submit a written notice including: a signature of the person authorised to act on behalf of the copyright owner; identification of the copyrighted work; identification of the infringing material; your contact information; a statement of good-faith belief that the use is not authorised; and a statement of accuracy under penalty of perjury where applicable. Send notices to the address in Section 23 (Contact).

The Company may release updates, upgrades, patches, bug fixes and new versions of the Application. You agree to install Updates promptly. The Company may add, modify, suspend or discontinue any feature at any time. The Company will use commercially reasonable efforts to give advance notice of material changes that adversely affect paying users.

As between you and the Company, the Company owns or licences all intellectual property rights in and to the Application, the Service and the Information (other than User Content). All trade-marks, service marks, trade names and logos used in the Service — including "Aurum", "Aurum Technologies" and any associated word marks and design marks — are the property of the Company or their respective owners. You are not granted any right to use any such trade-mark without prior written consent.

THE SERVICE, THE APPLICATION AND THE INFORMATION ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, REPRESENTATIONS AND CONDITIONS, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, AVAILABILITY, COMPATIBILITY, SECURITY AND ABSENCE OF VIRUSES OR HARMFUL CODE. THE COMPANY DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT THE INFORMATION OR FINANCIAL ACCOUNT DATA WILL BE ACCURATE, COMPLETE, TIMELY OR FREE FROM ERRORS, OMISSIONS OR DELAYS.

Some jurisdictions do not allow the exclusion of certain warranties. To the extent any warranty cannot be excluded, it is limited to the minimum extent permitted by law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) IN NO EVENT WILL THE COMPANY OR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, LICENSORS OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR AGGRAVATED DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, BUSINESS, GOODWILL, OPPORTUNITY, SAVINGS, INVESTMENT RETURNS, USE, DATA OR FINANCIAL ACCOUNT DATA, WHETHER OR NOT FORESEEABLE; AND (B) THE AGGREGATE LIABILITY OF THE COMPANY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (I) THE AMOUNTS PAID BY YOU TO THE COMPANY IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (II) ONE HUNDRED CANADIAN DOLLARS (CAD $100).

Nothing in this Agreement excludes or limits liability that cannot be excluded under applicable law, including liability for gross negligence, wilful misconduct or fraudulent misrepresentation.

You will defend, indemnify and hold harmless the Company and its directors, officers, employees, contractors, agents, licensors and service providers from and against any claim, loss, liability, damage, fine, penalty, cost and expense (including reasonable legal fees) arising out of or relating to: (a) your use of the Service or the Application; (b) your breach of these Terms; (c) your violation of applicable law or any third-party right; (d) your User Content; (e) your acts or omissions in respect of any Linked Account, Financial Account Data or Partner Offer; or (f) any tax liability arising from your use of the Service.

These Terms remain in effect for as long as you use the Service. You may terminate at any time by uninstalling the Application and deleting your account. The Company may suspend or terminate your access at any time, with or without notice, including if the Company believes you have breached these Terms or applicable law, or if the Company decides to discontinue the Service. On termination, your licence to use the Application ends immediately.

This Agreement is governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict of laws principles. Subject to Section 21 (Dispute Resolution), each party irrevocably attorns to the exclusive jurisdiction of the courts of the Province of Ontario. If you are a consumer, nothing here deprives you of the protection of mandatory consumer-protection laws of your country of habitual residence.

If you are a resident of the United States, any dispute, claim or controversy arising out of or relating to the Service, the Application or these Terms must be resolved by binding arbitration administered by JAMS in accordance with its Streamlined Arbitration Rules and Procedures, before a single arbitrator, in New Castle County, Delaware, or such other location as the parties agree. Each party irrevocably waives the right to participate in any class, collective, consolidated or representative proceeding. You may opt out of this arbitration agreement within thirty (30) days after first accepting these Terms by sending written notice to the address in Section 23.

Entire Agreement. These Terms, together with the Privacy Policy and any schedules, constitute the entire agreement between you and the Company regarding the Service.

Amendment. The Company may amend these Terms from time to time. Material amendments will be communicated through the Application or by notice to your registered email address. Continued use after the effective date of an amendment constitutes acceptance.

Assignment. You may not assign or transfer this Agreement without the Company's prior written consent. The Company may assign this Agreement at any time.

Severability. If any provision is held invalid or unenforceable, the remaining provisions continue in full force.

Force Majeure. The Company is not liable for delay or failure to perform caused by events beyond its reasonable control, including acts of God, internet outages, telecommunications failures, governmental orders, labour disputes and pandemics.

Language. The parties have requested that this Agreement and all related documents be drafted in English. Les parties ont exigé que la présente entente et tous les documents connexes soient rédigés en anglais.

If you are a consumer located outside Canada and the United States, the mandatory consumer-protection rights granted by the law of your country of residence are not excluded or modified by these Terms. If you are in the EEA, UK or Switzerland, nothing in these Terms excludes or limits the Company's liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation. If you are in India, our processing of your personal data is additionally governed by the Digital Personal Data Protection Act, 2023.