Privacy Policy

1. Introduction

Welcome to Bravo, a product of PayBridge Inc. ("we," "our," or "us"). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our TCF Canada preparation platform.

By using Bravo, you agree to the collection and use of information in accordance with this policy.

2. Information We Collect

2.1 Personal Information

We collect the following personal information:

• Email address (for account creation and communication)
• Name (optional, for personalization)
• Payment information (processed securely through Stripe)
• Account preferences and settings

2.2 Usage Data

We automatically collect:

• Your written responses to TCF practice prompts
• Audio recordings and transcriptions of speaking practice
• Evaluation results, scores, and progress data
• Device information and IP address
• Browser type and usage patterns

3. How We Use Your Information

We use your information to:

• Provide and maintain our services
• Evaluate your writing and speaking responses
• Generate personalized drills and feedback
• Track your progress and improvement over time
• Process payments and manage subscriptions
• Send service updates and important notifications
• Improve our platform and develop new features
• Prevent fraud and ensure platform security

4. Data Storage and Security

We implement industry-standard security measures to protect your data:

• Data is encrypted in transit (HTTPS/TLS) and at rest
• We use Supabase for secure database storage
• Payment information is processed by Stripe (PCI-DSS compliant)
• Access to personal data is restricted to authorized personnel only
• Regular security audits and updates

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

5. Third-Party Services

We use the following third-party services:

• OpenAI: For evaluation of your responses
• Stripe: For secure payment processing
• Supabase: For database and authentication services
• Vercel: For hosting and deployment

These services have their own privacy policies. We encourage you to review them.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide services. You may request deletion of your account and data at any time by contacting us.

After account deletion, some information may be retained for legal compliance, fraud prevention, or dispute resolution.

7. Your Rights

You have the right to:

• Access your personal data
• Correct inaccurate or incomplete data
• Request deletion of your data
• Export your data in a portable format
• Opt-out of marketing communications
• Withdraw consent at any time

To exercise these rights, please contact us using the information below.

8. Children's Privacy

Bravo is not intended for children under 13 years of age. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information, please contact us.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new policy on this page and updating the "Last updated" date. You are advised to review this policy periodically for any changes.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us: