Who we are

ZANE™ Inc. (“ZANE™”) is a Canadian financial technology and software development company that develops and licenses Zane™, personal finance software for the consumer market designed to help customers manage their personal finances. ZANE™ automatically builds users a personalized itemized budget and provides access to payment tools and banking services to help users manage their budgets and increase their savings.

As a result, users can grow their savings to build emergency funds, reduce debt, save for down payments or their children’s education, and plan for retirement. ZANE™ is based in Canada, and its goal is to help Canadians improve their financial well-being and grow their personal wealth. ZANE™ respects your privacy and takes safeguarding personal data seriously. Please read this Privacy Policy to understand ZANE™'s privacy practices.

This Privacy Policy applies to the website or application from which you access ZANE™ services and/or any of its affiliated web or mobile applications (“Services”).

Definitions

“Personal Data” means information about an identifiable individual, including information that can identify an individual directly or indirectly. Personal Data may include information such as a name, identification number, location data, online identifier, financial information, or other information that can reasonably be associated with an identifiable individual. Personal Data does not include information that has been anonymized so that it can no longer reasonably be associated with an identifiable individual.

Personal Data also does not generally include information that relates solely to an organization rather than an individual, such as a corporate name, corporate address, or general corporate telephone number. However, if such information is combined with Personal Data in a manner that reasonably allows it to be associated with an identifiable individual, or is otherwise considered Personal Data under applicable Canadian privacy law, it will be treated as Personal Data under this Privacy Policy.

Personal data we process

We process Personal Data as necessary to provide our budgeting, financial management, and banking-related Services. We also process Personal Data obtained from third-party service providers when customers choose to use features that require those services. We may process Personal Data that we collect directly, such as when a user visits our website, creates or uses a ZANE™ account, communicates with us, or otherwise interacts with our Services.

This data may be collected through information that you actively submit to us or through automated processes. The individuals whose Personal Data we process may include users, customers, client representatives, representatives of potential clients, business representatives, and other individuals who interact with ZANE™.

We do not knowingly collect or otherwise process Personal Data from individuals who are not legally eligible to use the applicable ZANE™ Services. Where age requirements apply to a particular financial product or Service, access is limited in accordance with applicable Canadian law and the requirements of our financial institution and service-provider partners.

We collect and process only the Personal Data reasonably required for the purposes described in this Privacy Policy and as otherwise permitted or required under applicable Canadian privacy law.

The Personal Data we process in relation to our personal finance software is based on the Services provided to our customers and, where applicable, the requirements of our financial institution, banking, payment, identity-verification, data aggregation, and other service-provider partners.

Where consent is required under applicable Canadian privacy law, we obtain consent before collecting, using, or disclosing Personal Data, unless collection, use, or disclosure without consent is otherwise permitted or required by law.

The consequence of declining or withdrawing consent may be that certain ZANE™ Services or features cannot be provided where the relevant Personal Data is reasonably necessary to provide those Services.

Data processed as a budgeting & banking provider for our clients.
We process Personal Data to perform our contractual obligations and provide our Services. Processing may include analyzing financial transactions and performing data modelling, classification, and categorization to build personalized budgets, forecasts, financial insights, and other personal financial management features.

Where users choose to connect external financial accounts, our analysis may include financial transactions and account information obtained from those external accounts through authorized third-party data providers.

We may also process aggregated or anonymized information to improve our Services and assist customers in making more meaningful financial decisions.
Data processed from third-party service providers.
When a feature that connects or aggregates external financial accounts is activated by a user, we may receive Personal Data from authorized third-party data aggregation or financial service providers. This may include financial account information and transaction information necessary to provide the requested ZANE™ features.

We use this information as an integrated part of our personal financial management and data analysis Services. We do not sell Personal Data.

We may also receive information from banking, payment, identity-verification, fraud-prevention, security, and other service providers where reasonably necessary to provide the Services, protect users, or satisfy legal and regulatory requirements.
Data processed directly.
We process technical and navigational information when you visit our website at zanemoney.com or use our Services. Technical information may include IP address, general geographical location, device identifiers and related information, browser type, operating system, and application information. Navigational information may include mobile application screens and webpages viewed, selections made, features used, and the length and timing of visits.

Our primary purpose in processing this information is to provide access to our Services, maintain their security and functionality, understand how our Services are used, and improve our products and services.

We may process contact information when you submit forms, contact ZANE™, join a waitlist, request information, communicate with customer support, or otherwise interact with us. This information may include your name, email address, telephone number, and other information you choose to provide.

We may also process information necessary to create and administer your account, verify your identity, provide financial Services, process or facilitate transactions, satisfy regulatory requirements, and prevent fraud or unauthorized activity.

We may process payment or transaction information when you use applicable ZANE™ Services.

Tracking technologies, cookies, and clear GIFs

We use tracking technologies, cookies, and similar technologies to collect information when you visit our websites or interact with our electronic communications.

Cookies are small text files stored through a user's browser. Cookies and similar technologies may allow us to recognize a browser or device and may be used to: (1) enable essential features; (2) provide analytics to improve website performance and effectiveness; (3) store user preferences; and (4) support marketing and advertising activities where permitted by applicable law and in accordance with your choices.

Users may change their browser settings to prevent or limit the acceptance of cookies. Cookies or similar technologies may also be used in electronic communications to help us understand whether communications have been received or opened.

Clear GIFs, pixels, or similar technologies may be used on our websites or in electronic communications to help us understand how users interact with our Services.

Information collected through these technologies may include browser type, operating system, language preference, referring webpage, date and time of a request, pages or features accessed, and information about how users navigate our Services.

We collect this information to understand how users interact with our Services, improve user experience, measure performance, maintain security, and better understand which Services and communications may be relevant to our users.

We may share information collected through these technologies with service providers that assist us with analytics, technology, communications, security, and related business functions, subject to appropriate safeguards and applicable Canadian privacy law.

You can change your web browser settings to stop accepting certain cookies or to prompt you before accepting cookies from websites you visit. If you do not accept certain cookies, some sections or functions of our Services may not operate as intended.

Purposes for processing personal data

We process Personal Data to provide our Services and assist customers with personal financial planning, budgeting, forecasting, banking-related functionality, and other financial management features.

In addition, we may process Personal Data as reasonably necessary to operate our business, including for customer service, communications, web and product analytics, security monitoring, fraud prevention, regulatory compliance, recruitment, administration, and the development and improvement of our products and Services.

Depending on the circumstances and applicable Canadian privacy law, we process Personal Data with consent or as otherwise permitted or required by law.

Where Personal Data processing is related to optional cookies or other non-essential tracking technologies, we obtain consent where required by applicable law and provide users with appropriate choices.

We may use Personal Data to comply with applicable laws and regulatory requirements, exercise or defend legal rights, meet tax, accounting, record-keeping, and other legal obligations, and prevent or investigate fraud and other unlawful activity.

We may also process Personal Data for internal purposes including auditing, data analysis, system troubleshooting, security, research, and product improvement, where permitted under applicable law.

Sharing of personal data

We may share Personal Data with third-party service providers, regulatory bodies, public authorities, law enforcement, and other parties where reasonably necessary for the purposes described in this Privacy Policy or where otherwise permitted or required by applicable Canadian law.
‍

Third-Party Providers.
We may share Personal Data with third-party providers that perform functions on our behalf or assist in providing the Services. Categories of providers may include customer relationship management providers; financial institution and banking partners; payment service providers; data aggregation service providers; identity-verification providers; fraud-prevention and security providers; technology and cloud infrastructure providers; communications providers; analytics providers; customer-support providers; and professional service providers.

Where ZANE™ transfers Personal Data to a service provider for processing on our behalf, we use contractual and other measures designed to require appropriate protection of the information consistent with applicable Canadian privacy requirements.

Third-party financial institutions or other organizations that independently collect or control Personal Data may also process information according to their own privacy policies and legal obligations.
Research Bodies.
For users who provide appropriate consent where required, we may share anonymized or aggregated information with third parties for research relating to financial behaviour, financial management, or the development and improvement of financial products and Services.

Information shared for these purposes will be anonymized or otherwise protected as required by applicable law.
Regulatory Bodies, Public Authorities, and Law Enforcement.
We may access, use, preserve, and disclose Personal Data where we reasonably believe doing so is permitted or required by applicable law or regulation.

This may include disclosure to regulatory bodies, tax authorities, courts, law enforcement agencies, or other public authorities in response to lawful requests or where necessary to satisfy legal and regulatory requirements.

We may also disclose information where reasonably necessary to detect, prevent, or investigate fraud, money laundering, financial crime, security incidents, or other unlawful activity.
Other Disclosures.
We may disclose Personal Data where permitted or required by law to exercise or defend legal rights; take precautions against liability; protect the rights, property, or safety of ZANE™, our users, our partners, or others; maintain and protect the security and integrity of our Services and infrastructure; protect against fraudulent, abusive, or unlawful activity; or investigate and defend against claims or allegations.

Such disclosures may be made to courts, legal counsel, regulators, law enforcement agencies, professional advisers, or other relevant parties where appropriate.

Storage of your personal data

Personal Data is processed and stored in Canada and may also be processed or stored by authorized service providers in other jurisdictions where those providers operate.

Where Personal Data is transferred to or processed by a service provider outside Canada, it may be subject to the laws of that jurisdiction and may be accessible to courts, law enforcement agencies, regulatory authorities, or other government authorities in accordance with applicable law.

ZANE™ remains responsible for Personal Data under its control and uses contractual, organizational, technical, and other safeguards designed to provide an appropriate level of protection when Personal Data is processed by third-party service providers.

You may contact ZANE™ using the information provided at the end of this Privacy Policy if you would like additional information regarding our policies and practices relating to service providers outside Canada.

Data security

We use industry-accepted standards, protocols, and safeguards to guide us in implementing technical, administrative, and organizational measures designed to protect Personal Data against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. We regularly evaluate appropriate security technologies and practices as we maintain and develop our software and systems.

No transmission or storage of information over the Internet can be guaranteed to be completely secure. While we use reasonable safeguards designed to protect Personal Data, we cannot guarantee absolute security.

If we become aware of a breach involving Personal Data, we will investigate and take appropriate action. Where required by applicable Canadian privacy law, we will notify affected individuals and applicable privacy regulators and maintain records of privacy breaches as required by law.

Data retention

ZANE™ retains Personal Data only for as long as reasonably necessary to fulfil the purposes for which it was collected, provide the Services, satisfy legal and regulatory requirements, resolve disputes, prevent fraud, and enforce our agreements.

Retention periods may vary depending on the nature of the information, the Services involved, and applicable legal, regulatory, accounting, tax, and record-keeping requirements.

If you wish to request deletion of your Personal Data, please contact ZANE™ using the contact information provided at the end of this Privacy Policy.

Certain Personal Data may need to be retained after an account is closed or a deletion request is received where retention is permitted or required by applicable law, including for regulatory compliance, transaction records, fraud prevention, dispute resolution, or other legitimate legal purposes.

When Personal Data is no longer required, we take reasonable measures to securely destroy, delete, or anonymize it in accordance with our retention practices and applicable law.

Personal data rights

Subject to applicable Canadian privacy law and any applicable exceptions, individuals may request access to Personal Data ZANE™ holds about them and information about how that Personal Data has been used or disclosed.

Individuals may also request correction of Personal Data where they believe the information is inaccurate or incomplete.

Where applicable, you may withdraw your consent to certain collection, use, or disclosure of your Personal Data, subject to legal or contractual restrictions and reasonable notice. Depending on the information involved, withdrawing consent may affect our ability to provide some or all of the Services.

Where you receive marketing communications directly from ZANE™, we provide a mechanism to unsubscribe from those communications. You may also contact us directly to withdraw consent to marketing communications.

You may contact us to:

request access to your Personal Data;
request correction of inaccurate or incomplete Personal Data;
withdraw consent where applicable;
ask questions about how your Personal Data is collected, used, disclosed, or retained;
obtain information about our use of service providers outside Canada; or
make a complaint regarding our privacy practices.

We may need to verify your identity before fulfilling a request relating to Personal Data.

Certain rights may be limited where permitted or required by law, including where providing access would reveal Personal Data about another individual, information is protected by legal privilege, or ZANE™ is legally required to retain the information.

Our contact details are provided at the end of this Privacy Policy.

Dispute resolution

ZANE™ takes questions and complaints regarding privacy and the handling of Personal Data seriously.

If you have a question, concern, or complaint about ZANE™'s collection, use, disclosure, protection, or retention of your Personal Data, please contact our Data Privacy Team using the contact information provided below.

We will investigate privacy complaints and respond within a reasonable period in accordance with applicable Canadian privacy law.

If you are not satisfied with ZANE™'s response, you may have the right to submit a complaint to the applicable Canadian privacy regulator.

Depending on the circumstances and the applicable privacy legislation, this may include the Office of the Privacy Commissioner of Canada or the Office of the Information and Privacy Commissioner of Alberta.

Effective date and amendments

This Privacy Policy is effective as of the date indicated under “Last updated.”

We may amend this Privacy Policy from time to time to reflect changes to our Services, business practices, technology, legal or regulatory requirements, or privacy practices.

When we make changes, we will update the “Last updated” date. Where required by applicable law, we will provide additional notice of material changes and obtain consent where necessary.

Contact us

Inquiries may be made to:
‍
Organization: ZANE™ Inc.
Contact: Data Privacy Team
Address: 19 Stradbrooke Way SW
Calgary, AB, T3H1Y2
E-mail: privacy@zanemoney.com
Phone: +1-587-997-8967

Privacy policy

Last updated: September 2, 2026