Privacy Policy
How we collect, use, and protect your information
Last updated: February 18, 2026
Important Disclaimer
LazyPlan provides AI-powered financial analysis and does not constitute professional financial advice. Always consult with a licensed financial advisor for personalized investment and financial planning decisions.
Introduction
Welcome to LazyPlan. We are committed to protecting your privacy and ensuring the security of your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our AI-powered financial planning service.
By using LazyPlan, you agree to the collection and use of information in accordance with this policy. We will not use or share your information with anyone except as described in this Privacy Policy.
Information We Collect
Personal Information
- Name, email address, and contact information
- Account credentials and profile information
- Province of residence for tax calculations
- Age and marital status for financial planning
Financial Data
- Income information from T4 slips and tax documents
- Investment account balances and contribution room
- Expenses, debts, and asset information
- RRSP, TFSA, FHSA account details
- CPP and OAS eligibility information
Usage Data
- Chat conversations with our AI assistant
- Documents you upload for analysis
- Reports generated and downloaded
- Feature usage and interaction patterns
- Technical information like IP address and browser type
How We Use Your Information
Service Provision
- Generate personalized financial plans and recommendations
- Calculate tax implications and optimization strategies
- Provide retirement planning projections
- Enable AI chat functionality for financial questions
Service Improvement
- Analyze usage patterns to improve our AI models
- Enhance user experience and interface design
- Develop new features and capabilities
Communication
- Send account notifications and security alerts
- Provide customer support and respond to inquiries
- Share important service updates (with your consent)
Information Sharing
We do not sell, trade, or rent your personal information to third parties. We only share your information in the following limited circumstances:
Essential Service Providers
- Supabase: Database hosting and user authentication (encrypted data storage)
- Stripe: Payment processing for subscriptions (no financial data stored)
- OpenAI: AI model processing for financial analysis (anonymized data only)
- Vercel: Application hosting and performance optimization
Legal Requirements
We may disclose your information if required by law, regulation, or legal process, or to protect the rights, property, or safety of LazyPlan, our users, or others.
Data Security
We implement industry-standard security measures to protect your information:
Encryption
- All data encrypted in transit (TLS 1.3)
- Database encryption at rest
- Secure password hashing
Access Control
- Multi-factor authentication available
- Role-based access permissions
- Regular security audits
Your Rights
Under Canadian privacy law, you have the following rights regarding your personal information:
Access
Request a copy of your personal information
Correction
Update inaccurate or incomplete information
Deletion
Request deletion of your account and data
Portability
Export your data in a machine-readable format
Withdrawal
Withdraw consent for data processing
Complaint
File a complaint with privacy regulators
Cookies and Tracking
We use essential cookies and similar technologies to provide and improve our service:
Essential Cookies
Required for authentication, security, and basic functionality. These cannot be disabled.
Analytics Cookies
Help us understand how users interact with our service to improve performance and user experience.
Children's Privacy
LazyPlan is not intended for use by individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately so we can remove such information.
Policy Updates
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date.
We encourage you to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
Contact Us
If you have any questions about this Privacy Policy or our privacy practices, please contact us: