Frequently asked questions
Honest answers about AI cash flow management, data privacy, and the boundaries of our service.
Is AIFinanceFlow a trading platform or investment adviser?
No. AIFinanceFlow is an AI financial management platform focused on cash flow tracking, budgeting, and expense organisation for Canadian individuals and small businesses. We are not registered with CIRO, the Canadian Securities Administrators, or any provincial securities regulator as an investment dealer, portfolio manager, or financial planner. We do not provide trading signals, stock or crypto picks, forex services, or any form of investment recommendation. Our platform helps you see how money moves through your accounts — inflows, outflows, recurring bills, and savings goals — without crossing into regulated securities advisory territory. If you need investment guidance, please consult a licensed professional registered in your province.
What does « finance flow » mean in your brand name?
« Finance flow » refers to the movement of money through your personal or business accounts — cash inflows from income sources, outflows for expenses and bills, and the recurring rhythm of these transactions over time. It does not refer to passive income streams, crypto yield programmes, forex cash flow trading, or any get-rich-quick money funnel. Our hero messaging and product features are deliberately focused on cash flow dashboards, expense flow tracking, and budget flow planning for legitimate financial organisation.
How does AIFinanceFlow protect my data under PIPEDA?
We collect only personal information necessary to provide AI cash flow management services — contact details, account transaction data (with your consent), and usage logs for service improvement. Data is encrypted in transit and at rest, stored on Canadian-hosted infrastructure where possible, and retained only as long as needed for service delivery or legal compliance. You have the right to access, correct, and request deletion of your personal information. We do not sell personal data to third parties. Our Privacy Policy provides full details on data handling, breach notification procedures, and contact information for our Privacy Officer.
Can I connect my bank accounts safely?
Yes, with your explicit consent. We use encrypted third-party aggregation services that comply with Canadian financial data security standards. We never store your online banking passwords on our servers. You can disconnect accounts at any time through your dashboard or by contacting our support team. Bank connections are optional — you can also import transactions via CSV upload if you prefer not to link accounts directly.
How accurate is AI expense categorisation?
AI categorisation is helpful but not perfect. Merchant names, split transactions, and ambiguous purchases can lead to incorrect category assignments. Every AI suggestion includes a confidence indicator and awaits your review before being finalised. We explicitly state that AI outputs may contain errors and should be verified before reliance for tax filing, legal decisions, or any purpose requiring precise financial records. The system improves as you correct suggestions, but we never claim 100% accuracy.
What are your pricing plans?
We offer four service tiers: Personal Flow (from $12 CAD/month), Family Flow (from $22 CAD/month), Freelancer Flow (from $28 CAD/month), and Small Business Flow (from $45 CAD/month). These are indicative ranges — final pricing depends on account volume and onboarding needs. All prices are in Canadian dollars with GST/HST applied where applicable. See our Services page for detailed inclusions and exclusions. We do not offer free trials with automatic credit card charges — any promotional period requires explicit opt-in.
Can I cancel my subscription?
Yes. Subscriptions can be cancelled at any time through your account settings or by emailing [email protected]. Cancellation takes effect at the end of your current billing period. We comply with the Manitoba Consumer Protection Act regarding clear cancellation terms and do not use dark patterns to prevent cancellation. Refunds are handled on a case-by-case basis according to our Terms of Service.
Do you guarantee savings or financial outcomes?
No. AIFinanceFlow provides visibility and organisation tools — not guaranteed savings, returns, or financial outcomes. Our AI insights describe historical spending patterns and may suggest areas worth reviewing, but we make no promises about specific dollar amounts saved or earned. Any testimonials on our site reflect individual experiences without guaranteed replicability. Financial outcomes depend on your personal circumstances, decisions, and external factors beyond our control.
What is the difference between personal and small business plans?
Personal and Family Flow plans focus on household budgeting, shared expense tracking, and personal savings goals. Freelancer and Small Business Flow plans add business/personal stream separation, revenue and overhead categorisation, GST/HST expense grouping for review (not filing), and export formats suitable for bookkeeping. None of our plans include tax return preparation, payroll processing, audited financial statements, or investment portfolio management.
What does AI NOT do on your platform?
Our AI does not pick stocks, recommend crypto investments, generate trading signals, predict market movements, guarantee savings amounts, provide tax advice, prepare legal documents, repair credit scores, or settle debts. It categorises transactions, maps cash flows, surfaces spending patterns, and supports budget planning — all descriptive functions that require your human review and judgment before action.
What are my rights under provincial consumer protection law?
As a Manitoba-based company serving clients nationwide, we comply with applicable provincial consumer protection legislation including the Manitoba Consumer Protection Act and respect equivalent rights in other provinces. You have the right to clear pricing information, honest service descriptions, accessible cancellation procedures, and complaint resolution channels. Contact us at [email protected] or call +1 (204) 555-0164 for consumer inquiries.
Do you send marketing emails?
Only with your explicit CASL-compliant consent, which is never pre-checked on our forms. You can opt out of marketing communications at any time via the unsubscribe link in any email or by contacting us directly. Transactional emails related to your account (billing, security alerts, service updates) may still be sent as permitted under CASL's transactional message exemptions.
Financial disclaimer: Our services help organise and understand personal or small-business finances using AI-assisted tools. We are not a registered investment dealer, portfolio manager, or financial planner. We do not provide investment advice, trading signals, or guarantees of savings, returns, or financial outcomes.