Frequently asked · Every question we hear before signup

Product

What does the Bureau actually do for me on day one?

Upload a recent RRSP, TFSA, or non-registered statement (PDF, CSV, or screenshot). The Bureau parses it, builds a household balance sheet, projects to age 65, and answers your next question in plain Canadian. The day-one path is on the landing page.

How many calculators are there and which are free?

Sixteen calculators across mortgage, retirement, education, and tax-credit categories. Every one has a free preview that runs the headline number with no signup. Full breakdown, sensitivity tables, and exports are part of Plus. Full index at /calculators.

Do I need a bank login or screen-scraping account aggregator?

No. You upload statements you already receive. The PDF parser runs in the browser when the layout allows. We do not integrate with Plaid, Flinks, MX, or any other aggregator that asks for online-banking credentials.

Can I import from Wealthsimple, Questrade, IBKR, or my bank?

Statement PDFs from all major Canadian brokerages and the Big Six banks parse. CSV exports work for anything that emits them. If a specific format does not parse cleanly, email support and we will add it; we track parser coverage publicly.

Billing

What does each tier cost and what is in each?

Reader is free forever, capped at 5 AI dispatches per month and 50 lifetime. Plus is $18 CAD per month or $144 per year (about 33% off). Household is $28 CAD per month or $228 per year. Full feature breakdown at /pricing.

Can I cancel any time? What happens to my data when I do?

One click in Settings. Monthly plans stop at the next billing date. Annual plans pro-rate inside 30 days. After cancellation, your account stays in read-only Reader mode for 90 days so you can export, then statements and dispatch history are deleted from primary storage and rotated out of backups.

Refunds?

Annual plans refunded pro-rated inside 30 days of purchase. Monthly plans are not refunded; you simply do not renew. If something went wrong on our side, email support@investwiseway.ca and we will fix it.

Do you charge GST or HST?

Yes, Canadian sales tax applies based on your billing province. Receipt shows the breakdown. We do not charge tax-exempt buyers; send your exemption number to support.

Trust + security

Where is my data stored?

Supabase Canadian region. Postgres, Auth, and Storage colocated. We do not move data outside the Canadian boundary for hosting, backups, or analytics. Full posture at /security.

Do you sell my data, train AI models on it, or share it with advertisers?

No. The business model is paid subscription only. No advertising surface, no third-party tracker resale, no anonymised-aggregate data product. Anthropic processes your AI dispatches under a Zero Data Retention agreement.

What happens if you find a security breach?

We commit to a 72-hour ceiling from confirmation, regardless of risk threshold, by email to every affected member and a notice on the security page. PIPEDA only requires reporting of breaches that pose a real risk of significant harm; we hold ourselves to the stricter standard.

Are you SOC 2 or ISO 27001 certified?

Not yet. SOC 2 Type I scoping engagement is underway with a Canadian auditor; targeting completion in the second half of 2026. We will publish the report attestation on /security when issued. ISO 27001 is not currently on the roadmap; the audience is Canadian households, not EU enterprise procurement.

Advice posture

Are you a registered investment dealer or licensed CFP?

No. Invest Wise Way is an educational planning tool. We are not a CIRO investment dealer, not an OSC-registered adviser, not a FINTRAC money services business, not an OSFI-regulated institution. We do not move money, custody assets, or recommend specific securities by ticker. The disclaimer is the product boundary, not a hedge.

Can I take my Invest Wise Way plan to a real advisor?

Yes. Plus exports an advisor-ready PDF with the household balance sheet, projection assumptions, scenario tree, and the agent dispatches that informed each decision. Most fee-only CFPs will accept this as a starting brief and bill less for an initial consult as a result.

What if the CRA changes a rule mid-year?

Federal RRSP / TFSA / FHSA contribution limits, OAS clawback thresholds, RRIF minimum withdrawal schedules, and federal tax brackets are updated each fiscal year. Provincial overlays for Ontario, Quebec, BC, and Alberta are covered in detail; others run on baseline federal numbers. We show the source value in every dispatch so you can verify.

Data + privacy

What rights do I have over my data under PIPEDA and Quebec Law 25?

Access, rectification, deletion, portability, and (under Law 25) deindex and objection to automated decision-making. Email privacy@investwiseway.ca; we acknowledge inside 24 hours and respond substantively inside the statutory 30-day window. Full Law 25 posture on /security.

Can I export everything I have given you?

Yes. The member dashboard has a one-click export of every row tied to your account in JSON and CSV. Includes uploaded statements, dispatch history, scenarios, and audit metadata.