What Cap sees and does
Cap sees your spending to build your plan. It can never move your money. Here are our commitments, and the exact rules behind our math.
Cap sees your spending to build your plan. It can never move your money.
Your data is only used for your plan. Never sold.
Our commitments
Data hosted in Canada
Our servers and their backup copies are in Canada.
Your money stays put
Cap can't pay, transfer or withdraw. It sees your balances and spending to build your plan, nothing more.
No financial product sales
We don't sell or recommend any loan, card, fund or institution. No commissions, no affiliate links.
No ads, no data resale
Your data is never sold, rented, or used for advertising or targeting.
Subscription-only revenue
Your subscription is our only source of revenue. We earn money when Cap is useful to you, not when you spend.
Partners have no access
Partner professionals (brokers, notaries…) never see your data. Their code only tells us who told you about Cap.
What Cap sees, or not
Cap sees
- The accounts you link (type, bank, balance), to build your plan
- Money in and out of those accounts, to know what you have left each month
- The goals you enter, to date your purchase
- Your email, language and province, for your account and the right rules
Cap never sees
- Your banking usernames and passwords (handled by Plaid, never passed to Cap)
- Any way to move your money
- Accounts you choose not to link
- Your Social Insurance Number (never asked for)
In a household
As a couple, you choose for each account what the other sees: nothing, the balance, or the details. You can change your mind at any time, instantly.
Plaid's role
The link with your bank goes through Plaid, a well-known service. You enter your bank login with Plaid, never with Cap. Plaid may process some data outside Québec, mainly in the United States. We assessed this transfer to protect your privacy. Details are in the privacy policy.
How Cap makes money
Simple: you pay a subscription. That's it.
No commissions from lenders, brokers or banks. A partner's code only tells us how you found us. Nobody gets paid to sell you a product.
What we will never do
- Sell, rent or trade your data, even anonymized, for commercial purposes.
- Show ads or embed advertising trackers.
- Recommend a specific financial product (security, ETF, fund, institution) or earn a commission.
- Use your data to train artificial intelligence without your separate agreement.
- Show your data to your partner without your account-by-account agreement.
- Turn on a sharing option for you: they're all off to start.
Financial rules in effect
Every Cap calculation shows the rules version it used. Values marked “being checked” are provisional: an expert is reviewing them.
Your rights
See, fix, download or delete your data, right in the app under Settings › My data.
Know my rightsDelete your account
From the app or without it. We erase your data within 30 days, unless the law requires us to keep it.
Request deletion