🍁 1. Our Core Privacy Philosophy
MapleWealth is designed and engineered from the ground up on a fundamental commitment: Your financial life is strictly your private business.
Unlike conventional cloud financial applications, MapleWealth operates locally on your device processor. We do not require account registration, email sign-ups, phone numbers, or third-party tracking libraries.
Zero Network Data Transmission: Every calculation (TFSA rooms, RRSP tax refunds, provincial marginal brackets, retirement projections) runs exclusively in your phone's memory and is never transmitted over the Internet.
🔒 2. Data Collection & Processing
MapleWealth does NOT collect, harvest, store, or sell any personally identifiable information (PII) or financial records:
- No Financial Data Collection: Your earned income, contribution amounts, birth year, expected returns, and target retirement incomes remain purely in your device's memory.
- No Cloud Sync or Remote Storage: There is no backend server or cloud database associated with MapleWealth.
- No Contact or Location Data: We never access your contacts, camera, microphone, GPS location, or device identifiers.
- No Advertising Trackers or SDKs: The app does not profile user behavior or share analytics with data brokers.
📱 3. Local On-Device Preferences
The application saves minimal, strictly necessary UI configuration preferences locally on your device via standard Android SharedPreferences:
- Selected App Language: Remembers your preferred interface language (e.g. English, French, Hindi, Punjabi, Chinese).
- Visual Theme Palette: Remembers your chosen aesthetic (Cyber Slate, Maple Red, Glacier Teal, Clean Light).
- Active Tax Year: Remembers whether you selected 2024, 2025, or 2026 CRA guidelines.
This preference data never leaves your device and is automatically erased if you uninstall the application or clear app storage in your Android system settings.
⚖️ 4. Canadian Statutory Compliance (PIPEDA & GDPR)
MapleWealth complies with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), Quebec's Law 25, and international privacy standards including the General Data Protection Regulation (GDPR).
Because we do not gather or process personal data on remote servers, your statutory rights (including the right of access, rectification, erasure, and data portability) are inherently satisfied: your data remains solely within your own physical device control at all times.
🛡️ 5. Children's Privacy
MapleWealth does not knowingly collect or solicit any personal information from children under the age of 13. The app is completely safe for all audiences as it operates without data gathering.
⚖️ 6. Legal & Financial Disclaimer
PLEASE CAREFULLY READ THIS DISCLAIMER BEFORE RELYING ON CALCULATIONS OR INFORMATION PROVIDED BY MAPLEWEALTH:
- Informational & Educational Modeling Only: MapleWealth is an independent financial modeling utility designed exclusively for hypothetical estimation, scenario comparison, and general educational purposes.
- Not Certified Financial, Tax, Investment, or Legal Advice: The calculations, simulations, tax bracket estimates, and projections provided by this Application (including Tax-Free Savings Account [TFSA] room, Registered Retirement Savings Plan [RRSP] tax deductions, First Home Savings Account [FHSA] first-time homebuyer shelters, and Provincial Marginal Tax rates across all 10 provinces and 3 territories) do NOT constitute formal financial advice, tax preparation services, certified accounting, investment counseling, or legal advice under Canadian federal or provincial regulatory frameworks.
- No Government or CRA Affiliation: MapleWealth is developed and maintained independently by Shuttle Technologies. The Application is NOT affiliated with, endorsed by, audited by, sponsored by, or connected to the Canada Revenue Agency (CRA / ARC), Revenu Québec, the Department of Finance Canada, the Government of Canada, or any provincial/territorial tax authority.
- Mathematical Projections Are Estimates: Calculations for statutory tax brackets, Federal and Provincial Basic Personal Amounts (BPA), Ontario surtaxes and Health Premiums, Quebec federal abatements (16.5%), RRSP maximum deduction limits, and retirement income forecasts (CPP, OAS, and the 4% safe withdrawal rule) are hypothetical mathematical projections based on statutory formulas and user-entered assumptions. Statutory tax rules, indexation adjustments, contribution caps, and personal tax situations are subject to parliamentary amendments, budget updates, and individual taxpayer status. Formulaic projections do not guarantee actual tax liabilities, refunds, government benefit entitlements, or investment returns.
- Qualified Professional Consultation Strongly Recommended: Before completing significant investments, making registered account contributions or early withdrawals, executing tax arbitrage strategies, or filing official CRA (T1 General) or provincial tax returns, users are strongly advised to obtain personalized counsel from a licensed Canadian Certified Financial Planner (CFP), Chartered Professional Accountant (CPA), or accredited tax lawyer.
- Limitation of Liability: To the maximum extent permitted by applicable Canadian law, Shuttle Technologies and the authors of MapleWealth accept no responsibility, liability, or damages for any financial decisions, tax assessments, interest penalties, contribution room overages, or consequences arising from the direct or indirect use of this Application or reliance on its estimates.