Privacy Policy

Livio Technologies Inc. ("Livio," "we," "us," or "our") is committed to protecting the privacy of the individuals who use our mobile application, website, and related services (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use the Service.

By using the Service, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use the Service.

1. Information We Collect

Personal Information You Provide

When you create an account or use the Service, you may provide us with:

• Identity Information: Full name, email address, phone number, date of birth, and profile photo.
• Financial Information: Banking details (for Interac e-Transfer and EFT payments), rent payment history, and utility payment records.
• Rental Information: Lease agreements, property addresses, unit details, tenant/landlord associations, and utility bills.
• Identity Verification Documents: Government-issued identification provided for tenant screening and verification purposes.
• Communications: Messages, voice notes, photos, and documents shared through our in-app chat feature.

Information Collected Automatically

When you use the Service, we automatically collect:

• Device Information: Device type, operating system, unique device identifiers, and mobile network information.
• Usage Data: Features accessed, time and duration of use, interaction patterns, and performance metrics.
• Log Data: IP address, browser type, referring pages, and crash reports.
• Push Notification Tokens: For delivering rent reminders, payment confirmations, and chat notifications.

2. How We Use Your Information

We use the information we collect to:

• Provide the Service: Facilitate rent collection, utility splitting, lease generation and management, tenant scoring, and landlord-tenant communication.
• Process Payments: Enable and verify Interac e-Transfer and EFT payments between tenants and landlords.
• Generate Documents: Auto-generate lease agreements, rent receipts, and utility breakdowns.
• Calculate Scores: Compute Tenant Scores based on payment history and streak data to reward on-time payments.
• Send Notifications: Deliver payment reminders, lease renewal alerts, maintenance updates, and chat messages.
• Improve the Service: Analyze usage patterns, troubleshoot issues, and develop new features.
• Ensure Security: Detect, prevent, and address fraud, abuse, and security incidents.
• Comply with Law: Meet legal obligations, respond to lawful requests, and enforce our terms.

3. How We Share Your Information

We do not sell your personal information. We may share your information in the following limited circumstances:

• Between Landlords and Tenants: Certain information (e.g., names, payment status, chat messages) is shared between landlords and tenants associated with the same property as necessary for the Service.
• Service Providers: We share information with trusted third-party providers who help us operate the Service, including payment processors, cloud hosting providers, identity verification services, and analytics platforms.
• Legal Requirements: We may disclose information if required by law, court order, or governmental regulation, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
• Business Transfers: If Livio is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.
• With Your Consent: We may share your information for any other purpose with your explicit consent.

4. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you with the Service. We may also retain information as necessary to comply with legal obligations (e.g., Ontario's Residential Tenancies Act record-keeping requirements), resolve disputes, and enforce our agreements.

Rent receipts, lease records, and payment history may be retained for a minimum period required by applicable law even after account deletion. You may request deletion of your account and personal data by contacting us (see Section 11).

5. Data Security

We implement industry-standard technical and organizational measures to protect your information, including:

• Encryption of data in transit (TLS/SSL) and at rest.
• Secure cloud infrastructure with access controls and monitoring.
• Regular security assessments and vulnerability testing.
• Role-based access controls limiting employee access to personal data.

While we strive to protect your information, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security but will notify you promptly in the event of a data breach as required by applicable law.

6. Your Rights & Choices

Under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial legislation, you have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete personal information.
• Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Withdraw Consent: Withdraw your consent to our processing of your information at any time, subject to legal or contractual restrictions.
• Data Portability: Request your data in a structured, commonly used format.
• Opt-Out of Marketing: Unsubscribe from promotional communications at any time using the unsubscribe link in our emails or by contacting us.

To exercise any of these rights, please contact us at privacy@liviohomes.ca. We will respond to your request within 30 days.

7. Third-Party Services

The Service may integrate with or contain links to third-party services, including but not limited to:

• Payment Processors: To facilitate Interac e-Transfer and EFT payments.
• Cloud Infrastructure: For hosting and data storage (e.g., Google Cloud Platform, Firebase).
• Analytics: To understand how users interact with our Service.
• Identity Verification: To verify tenant and landlord identities during onboarding.

These third-party services have their own privacy policies, and we encourage you to review them. We are not responsible for the privacy practices of third-party services.

8. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected personal information from a child under 18, we will promptly delete that information. If you believe a child has provided us with personal information, please contact us at privacy@liviohomes.ca.

9. International Data Transfers

Your information is primarily stored and processed in Canada. In some cases, your information may be transferred to, and processed in, countries other than Canada where our service providers operate. When such transfers occur, we ensure that appropriate safeguards are in place to protect your information in accordance with applicable data protection laws.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. When we make material changes, we will notify you by updating the "Last Updated" date at the top of this page and, where appropriate, by sending you a notification through the Service or via email.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

11. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

• Email: privacy@liviohomes.ca
• General Inquiries: info@liviohomes.ca
• Website: liviohomes.ca

If you are not satisfied with our response, you may also file a complaint with the Office of the Privacy Commissioner of Canada.