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How Minori collects, uses, protects and deletes your personal information, and how to exercise your rights.
Minori is a personal finance app operated by Noriven, a sole proprietorship registered in Québec (enterprise number 2282134685), 40 rue Strasbourg, suite 1002, Candiac, Québec J5R 0B4, Canada.
Person in charge of the protection of personal information: the founder of Noriven, reachable at contact@minorifinance.com.
Minori is intended for people aged 18 and over.
| Category | Examples | Source |
|---|---|---|
| Account | Internal identifier, email address, optional first name, language, preferences | You, and Noriven Auth at registration |
| Identity and sign-in | Password (stored in protected form by Noriven Auth, never by Minori), verification codes, IP address, browser, activity dates | You and your device, through Noriven Auth |
| Financial data you enter | Accounts, transactions, budgets, categories, assets, debts, estimates | You, by manual entry or CSV import |
| Synced bank data | Institution, accounts, balances and transactions of the accounts you choose to connect | Your bank, through Plaid, only if you turn on syncing |
| Subscription | Subscription status, customer and subscription references at the payment provider | The payment provider. Minori never receives your card number |
| Communications | Messages sent to support and requests to exercise your rights | You |
Minori never receives your bank credentials. You enter them in Plaid’s secure module, which sends them to your bank.
We do not sell your information. We do not use it for advertising, do not rent it, and share it only with the providers listed below, for the purposes described here.
You accept this policy when you create your account. Connecting a bank requires separate, express consent, given right before Plaid opens. It explains what is read, why, the transfer to Plaid in the United States, and how to withdraw it.
You can withdraw your consent at any time: disconnect a bank from the Accounts page, or close your account from Settings. Withdrawal stops new collection. It does not undo processing that was already lawfully done.
Inviting a partner creates a shared space. Your partner sees only the accounts, budgets and transactions you place in that space. Your personal accounts, their balances and their totals stay private, including in reports and exports. Removing a partner’s access does not erase copies they may already have exported.
| Provider | Role | Location |
|---|---|---|
| Servarica | Server and database hosting | Montréal, Québec |
| Noriven Auth, operated by Noriven | Registration, sign-in, verification codes, sessions | Montréal, Québec |
| Amazon Web Services | Encryption keys (KMS), encrypted backups (S3), sign-in code emails (SES) | Canada (Central) region, Montréal. Company based in the United States |
| Plaid Inc. | Connection to your bank and retrieval of connected account data | United States |
| Payment providers | Subscription and payment management: RevenueCat, Stripe, Apple App Store or Google Play depending on where you subscribe | United States and other countries depending on the provider |
Plaid also processes information on its own behalf, under its End User Privacy Policy.
Communications outside Québec. Before entrusting information to a provider located outside Québec, we carry out a privacy impact assessment and sign a written agreement governing its use, confidentiality and incident notification. This information may be subject to the laws of the provider’s country, including access by foreign authorities.
No system is infallible. Minori is not end-to-end encrypted: our servers must read your data to calculate your views. Our security policy details these measures.
| Data | Retention |
|---|---|
| Financial data and profile | As long as your account is open, or until you erase it. Deleted within 30 days after account closure |
| Bank access at Plaid | Removed as soon as you disconnect a bank, your sync entitlement ends or you close your account |
| Encrypted backups | Rolling 30 days |
| Technical logs | 30 days; security logs 12 months |
| Billing data | 6 years, as required by tax law |
| Inactive accounts | Email notice after 24 months without sign-in, then deletion 60 days later without a reply |
Our data retention and deletion policy gives the details.
Minori uses no advertising cookies and no audience measurement tools.
You can:
Several of these rights can be exercised directly in the app: export, erasure and account closure from Settings, and disconnecting a bank from Accounts. For the others, write to contact@minorifinance.com. We reply within 30 days.
You can file a complaint with the Commission d’accès à l’information du Québec. If you live elsewhere in Canada, you can contact the Office of the Privacy Commissioner of Canada.
If an incident presents a risk of serious injury, we notify you and the Commission d’accès à l’information without delay, and we take steps to reduce its consequences.
We notify you by email and in the app at least 30 days before any significant change to this policy. The date of the version in force appears at the top of this page.
