Privacy Policy
Your information, in plain words.
What OWN collects, why we need it, who helps us run OWN, how long we keep it, and how you stay in control.
Last updated October 30, 2026
- We don't sell it.OWN does not sell your personal information. There are no ads in OWN.
- We only read your accounts.Bank and brokerage links are read-only. OWN can't move your money or trade, and never sees your passwords.
- It's stored in Canada.Your account data and files are kept in Canada. A few of the companies that help us work in the United States.
- You stay in control.See, fix, download or delete your information, and close your account in Settings.
Who we are
OWN Financial Inc. ("OWN", "we") runs the OWN app and ownfinancial.ca. This policy explains how we handle your personal information under Canada's private sector privacy law (PIPEDA) and any provincial privacy law that applies.
Our Privacy Officer is accountable for how OWN handles personal information. You can reach them at privacy@ownfinancial.ca.
What we collect, and why
| What | Why |
|---|---|
| Your name and email | To create your account or add you to the waitlist, and to email you about your account. |
| Your password | To sign you in. It's handled by our sign-in provider, and OWN never sees it in plain text. |
| Your province or territory | Some figures, like tax estimates, depend on where you live. |
| What you tell us | Answers you give, like income, spending, savings, debts, date of birth and phone number. We use them to work out your figures. |
| Your household | If you choose to tell us, your marital status and how many people you support. We don't ask for their names. Only share what you have the right to share. |
| Your linked accounts | Balances, transactions and investments from accounts you choose to link, so OWN can show them in one place. See "Linking your accounts" below. |
| Documents you upload | Statements and other files you add, so OWN can read the figures in them and keep them for you. |
| Your questions to Atlas | So Atlas, our AI assistant, can answer you. See "Atlas and AI" below. |
| Your plan and payments | Whether you're on a trial or a paid plan. Stripe handles payments, and OWN never sees or stores your card number. |
| How you use OWN (only if you say yes) | Page visits and a few key actions, like finishing setup, plus your name, email and sign-up date, to see what works. No cookies. |
| Basic technical details | Your IP address, a record of when your profile is read or changed, and error reports, to keep OWN secure and running. |
We use your information only to provide OWN to you, keep it secure, support you, and meet our legal obligations. We don't use it for advertising.
Your consent
When you create an account, you agree to us using your information to run OWN as this policy describes. Anything optional stays off until you turn it on:
- Usage counts help us see which parts of OWN work.
- Marketing email. OWN doesn't send marketing email today. If that changes, we'll only send it to people who said yes.
You can change these at any time in Settings. You can also withdraw your consent entirely by closing your account. Some of OWN can't work without certain information. For example, OWN can't show a linked account you've unlinked.
Linking your accounts
OWN links your accounts through Plaid. You sign in with Plaid, not with OWN, and OWN never sees your sign-in details.
- Plaid links your bank and brokerage accounts. The link is read-only: OWN receives balances, transactions and investments. Plaid's End User Privacy Policy also applies.
The link can't move money or place trades. You can unlink at any time in Settings, under Connections:
- Linked accounts (Plaid): Disconnect removes all of them at once. We delete the transactions and investments that came from them. Balances already copied into your figures, and your past balance history, stay until you delete your financial data or close your account.
Who helps us run OWN
We use these companies to provide OWN. They may only use your information to do that work for us.
| Company | What they do |
|---|---|
| Supabase | Stores your data and files in Canada, and handles sign-in. |
| Plaid | Links your bank and brokerage accounts, read-only. |
| Anthropic | The AI behind Atlas, reading uploaded documents, Financial Health explanations and investment analysis. |
| Stripe | Handles payments. |
| Resend | Sends our emails. |
| PostHog | Usage counts, error reports from the app, and your email, name and sign-up date, only if you turn them on. Sanitized error reports from the API (no balances, account numbers, holdings or transactions) are sent so we can fix problems whether or not usage counts are on. |
| Sentry | Error reports, so we can fix problems. |
| Vercel and Railway | Host the website and the app. |
| Serves the fonts on our website, and handles sign-in if you choose to sign in with Google. |
Your account data and files are stored in Canada. Some of these companies process information outside Canada, mainly in the United States. There, it may be accessible to courts and authorities under local law.
Atlas and AI
- Chatting with Atlas: your message goes to Anthropic so Atlas can answer, along with financial context from your OWN account, such as income, balances, holdings and goals, so the answer is about your own situation. Your chats are kept in your browser, on the device you used. OWN's servers keep usage counts, not what you wrote.
- Reading a document you upload: the document goes to Anthropic so OWN can read the figures in it. Spreadsheet (CSV) files are read by OWN itself and don't go to Anthropic.
- Financial Health: once your results are ready, OWN sends the information behind them to Anthropic to write an explanation, and saves it for you.
- Investment analysis: only when you ask for one, OWN sends the information it needs to Anthropic, and saves the result for you.
- Before any text is sent, OWN removes things like social insurance numbers, card numbers and passwords. Photos, scans and PDFs that can't be read as text are sent whole so they can be read, and are not screened.
OWN uses Anthropic's business service under its Commercial Terms of Service, not a consumer account. We don't use your documents or linked financial data to train AI models.
OWN doesn't make decisions about you, like credit, eligibility or pricing. Financial Health results come from fixed rules, not AI, and are not a credit score.
When we share information
Beyond the companies above, we share personal information only:
- with your consent;
- where the law requires or allows it, such as a court order or a valid legal demand; or
- if OWN is sold or merged, with the new owner, who must keep protecting it as this policy says. We'll tell you before that happens.
Keeping it safe
Everything between your device and OWN is encrypted, and stored data is encrypted. Sensitive details, like your documents, holdings and transaction descriptions, get an extra layer of encryption with a key unique to you. Some details have only the standard layer: the answers you give during setup, transaction dates and amounts, any goals you set, and your email address.
OWN is not a "zero-knowledge" service. OWN holds the encryption keys, so a small number of authorized staff could access your data if they had to. More on the Your data page.
If a breach of our safeguards creates a real risk of significant harm to you, we'll tell you and the Privacy Commissioner of Canada as soon as we can, as the law requires. We keep a record of every breach.
Your choices and rights
- See and fix your information: edit it in Settings, or ask us for a copy of what we hold.
- Download it: Settings, then Your data, then Download my data. You get one file with your account data. Documents download from your Document Vault.
- Unlink your accounts: Settings, then Connections. See "Linking your accounts" above.
- Delete your financial data but keep your account: in Settings. This disconnects Plaid and deletes your transactions, holdings, documents and files, and net worth history. You can choose to clear the figures you typed in too. Your goals, setup answers and account stay.
- Close your account: in Settings. We disconnect Plaid and delete your data, files and sign-in right away.
- Turn optional features on or off: in Settings.
- Stop our emails: use the unsubscribe link in the email, or email us. Account emails, like password resets, are sent only when needed.
If you can't reach Settings, for example after a trial ends, email privacy@ownfinancial.ca and we'll send you your data or delete it.
How long we keep it
| Information | How long |
|---|---|
| Your account, figures, linked-account data, documents and files | While you have an account. Deleted right away when you close it. |
| Records of when your profile was read or changed | While you have an account. Deleted when you close it. |
| Waitlist sign-ups | Until you ask us to remove them. Closing your account doesn't remove them. |
| Unsubscribe requests and email delivery records | Kept so we don't email you again after you unsubscribe. When you close your account, they're no longer linked to it. |
| Records of staff use of our admin tools | Kept for security. When you close your account, they're no longer linked to it. |
| Payment records | Kept by Stripe under its own policies. Closing your OWN account doesn't remove them. |
| Server logs and error reports | Kept by our hosting and error-reporting providers under their standard retention settings. |
Deleted information can remain in our database provider's backups until those backups expire.
Cookies and your browser
OWN uses two cookies, both to keep you signed in. That's all. There are no advertising or tracking cookies, and our website has no analytics.
Your browser also keeps a few things on your device, like your sign-in session and your Atlas chats, so OWN loads quickly. If you share a computer, sign out when you're done.
Children
OWN is for adults. It isn't meant for children, and we don't knowingly collect their information. If you think a child has given us information, email privacy@ownfinancial.ca and we'll delete it.
Changes to this policy
If we change this policy in a way that matters, we'll tell you before it takes effect. The date at the top shows when it last changed.
Questions or concerns
Our Privacy Officer answers privacy questions and requests at privacy@ownfinancial.ca. We reply to requests to see or delete your information within 30 days.
If you're not happy with our answer, you can contact the Office of the Privacy Commissioner of Canada.
OWN Financial Inc. · Toronto, Ontario, Canada