Privacy Policy

Last updated: October 20, 2026

This Privacy Policy explains what information Restart Financial ("we", "us", "our") collects, how we use it, and the choices you have. We are based in British Columbia, Canada, and serve members in Canada and the United States.

1. Information we collect

• Account information — your name and email address when you sign up.
• Onboarding & profile answers — information you provide about your situation (e.g., country, debt situation, goals).
• Financial information you enter into our tools — such as income, expenses, debts, and savings goals in the budget/cashflow and debt tools.
• Learning and support activity — your course progress, messages with an advisor, and Money Coach conversation history (up to 60 recent messages in the current product).
• Payment information — processed by Stripe. We receive confirmation of payment and limited details (such as the last digits of your card and billing email); we do not collect or store your full card number.
• Technical data — basic information stored in your browser (via local storage) so the site works and remembers your progress.

2. How we use your information

We use your information to provide and personalize the Service, save and restore your course progress and tool entries, process payments, respond to your questions, allow your advisor to support you (see below), improve the Service, and meet legal and security obligations.

3. Advisor access

4. Service providers we share data with

We share information only as needed with trusted providers who help us run the Service:

• Supabase — secure database and authentication (stores your account and the data above).
• Netlify — website hosting.
• Stripe — payment processing.
• Resend — server-side email delivery, used when you choose to send a support request, reminder request, invitation, deletion request, or consultation referral. The message details needed for that request are transmitted through Resend to the stated recipient; Restart does not load a third-party email SDK in your browser.
• Debt-relief partners (CreditLift in Canada; our partner firm in the US) — if you request a consultation, we pass along the budget and debt details you choose to share so they can follow up. They then handle your information under their own privacy policies.
• OpenAI — the in-app AI Money Coach is powered by OpenAI’s API. It does not run until you check the consent box in the Coach. For each request, Restart sends the question you typed, up to 20 recent messages from that conversation, and a limited aggregate summary of the figures you entered. Depending on what is available, that summary can include income, spending-plan categories, savings, estimated remainder, debt count, total debt balance, total minimum payments, highest APR, and the number of balances that may be growing. Restart does not include debt names, lender names or account numbers in that structured summary; however, anything you type in the chat is sent as written, so do not type sensitive identifiers. OpenAI returns the generated answer to Restart. Under OpenAI’s API terms, API data is not used to train OpenAI models by default unless the customer explicitly opts in; Restart has not opted in. OpenAI may keep abuse-monitoring logs for up to 30 days unless a longer period is required for security or legal reasons. Processing may occur in the United States and through OpenAI subprocessors. You can avoid this processing by not using the Coach. See OpenAI’s privacy policy and API data usage policies for current details.

We do not sell your personal information, and we do not share it with advertisers.

Some links in the Service (for example, a recommended bank account) are affiliate links: if you open an account through one, we may earn a referral fee at no cost to you. Using an affiliate link does not share your personal information with that company.

5. How your information is protected

Access to the site uses secure (HTTPS) connections, and your data is stored with access controls so that you — and, where applicable, your authorized advisor — can see it, but other members cannot. No method of transmission or storage is 100% secure, but we take reasonable measures to protect your information.

6. Data retention

We keep your account information and saved work while your account is active and for as long as reasonably needed to provide the Service, resolve disputes, prevent fraud, or meet legal obligations. The current Money Coach interface keeps up to 60 recent conversation messages in your Restart account; separate support or safety logs may be retained as needed for the purposes above. OpenAI’s API retention is described in Section 4. You may request deletion as described below, but some information may have to be retained where law or legitimate security obligations require it.

7. Your rights & choices

You can access and update much of your information from your account page and download JSON, readable CSV, or a printable/PDF view of the account data exposed by the current export tool. The account page can also submit an authenticated deletion request after you type an explicit confirmation. A successful submission provides a request ID, but it does not mean deletion is already complete: the support team must still verify the request, delete the applicable server records, and send a completion notice. You may also contact support@restartfinance.ca. Canadian users may have rights under applicable Canadian privacy law, and U.S. users may have rights under applicable state law. We respond to valid requests as required by the laws that apply.

8. Cookies & local storage

We use browser local storage (and essential cookies) to keep you signed in and to save your progress and tool entries on your device. When you sign out, your personal financial entries are cleared from that browser (they remain saved to your account and are restored when you sign back in).

The "Before & After" letter. If you type a letter, it is saved to your Restart Financial account. Restart does not keep a persistent browser or device copy of the letter. The letter is stored separately from the financial profile and is not displayed to advisors in the Advisor Center or to staff in the ordinary product interface. It is not end-to-end encrypted, however, and authorized infrastructure administrators or service providers may technically process or access it when necessary for security, maintenance, legal compliance or support. Do not enter anything you would not want stored online; for the most private option, write the letter on paper instead. You can replace the saved letter from the Before & After page or delete it by deleting your account, subject to any legal retention obligations described in this Policy.

9. Children

The Service is intended for adults (18+) and is not directed to children. We do not knowingly collect personal information from children.

10. Changes

We may update this Policy; material changes will be reflected in the "Last updated" date above.