Lunexa Tech & Apps Inc. ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy applies to our corporate website (lunexa.ca) and governs how we handle personal information collected across all products and applications we operate. Each individual product may have its own supplemental privacy notice describing exactly what data is collected, how it is used, and how long it is retained.

1. Who We Are

Lunexa Tech & Apps Inc. is a federally incorporated Canadian financial technology company operating from Ontario, Canada, incorporated under the Canada Business Corporations Act (CBCA). We develop financial software and deliver accounting, tax, foreign exchange, and business management solutions for Canadian SMEs.

2. Information We May Collect

• Account Information: Your name and email address to create and manage your account.
• Payment Information: Processed securely by third-party payment processors. We do not store credit card or banking details on our servers.
• Usage & Technical Data: Device type, browser type, IP address, and usage patterns to maintain and improve our services.
• Product-Specific Data: Certain applications require additional data. Any such collection will be fully disclosed in that product's privacy notice before you use it.

We only collect data necessary to provide the service you have requested.

3. Product-Specific Data Notices

Whenever any product collects data beyond basic account and payment information, we will provide a clear product-specific privacy notice before you use it, explaining: what data is collected, why and how it is used, which third parties process it, how long it is retained, and your rights over it.

4. How We Use Your Information

• Provide, operate, and maintain our digital services
• Process your subscription or purchase and manage your account
• Communicate with you regarding your account, updates, and support
• Improve and personalize your experience
• Comply with applicable legal obligations

We do not sell your personal information to third parties.

5. Data Retention and Deletion

• Account and subscription data: retained for the duration of your account and as required by Canadian federal tax laws.
• Product-specific data: retained only for the period disclosed in that product's privacy notice, then permanently deleted.
• You may request deletion of your data at any time by contacting info@lunexatech.ca.

6. Educational Tools Disclaimer

Some products include educational tools and calculators provided strictly for informational purposes only. They do not constitute financial, investment, legal, medical, or any other professional advice. Always consult a qualified professional before making important decisions.

7. Third-Party Services

We use trusted third-party providers including payment processors and cloud hosting. These providers are contractually bound to handle your data securely and only for the purposes we specify.

8. Financial Data

Where our services involve financial transactions (such as our FX Exchange service), we collect transaction data required to process and record those transactions, in compliance with FINTRAC and applicable Canadian financial regulations. Financial transaction records are retained as required by law. Contact info@lunexatech.ca with any privacy concerns related to financial data.

9. Your Rights Under PIPEDA

As a federally incorporated Canadian company, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA). You have the right to access, correct, or request deletion of your personal information, and to withdraw consent at any time. Contact info@lunexatech.ca to exercise these rights.

10. Data Security

We implement industry-standard security measures including encryption in transit and at rest, strict access controls, and regular security reviews.

11. Changes to This Policy

We may update this policy from time to time and will notify registered users of material changes via email. Continued use of our services constitutes acceptance of the updated policy.

Acceptance of Terms — Required Acknowledgement

Before accessing or using any Lunexa Tech & Apps Inc. product or service, you must actively confirm your acceptance by ticking the checkbox presented at registration or checkout:

Ticking this box constitutes a legally binding agreement recorded with a timestamp and associated with your account. You may not use our services without completing this step.

1. About Us

Lunexa Tech & Apps Inc. is federally incorporated in Canada under the Canada Business Corporations Act (CBCA) and operates from Ontario, Canada. These Terms govern your access to and use of our website (lunexa.ca) and all products, applications, and services we offer. Each product may have its own supplemental Terms that apply in addition to these.

2. Eligibility

You must be at least 18 years of age to create an account. By registering, you confirm you meet this requirement and will provide accurate, complete, and current information. Adult account holders (parents or legal guardians) may use applicable products on behalf of their minor children where the product specifically permits this.

3. Our Products and Services

Our current and planned product portfolio includes:

• TradeCalc Pro — Educational options trading calculators for Canadian investors, for informational purposes only (Q4 2026)
• MileTrack Pro — GPS-integrated mileage and vehicle expense tracker for Canadian businesses (Q4 2026)
• Account-to-Account FX — Account-to-account foreign exchange service for Canadian SMEs (Coming Soon)
• Bookkeeping and corporate tax advisory services
• Additional products and services to be announced

Each product will have its own specific terms and privacy notice presented before use.

4. Financial Tools Disclaimer

Certain products provide educational content, calculators, and informational tools strictly for educational and informational purposes only. Nothing on our platform constitutes financial, investment, legal, tax, or any other professional advice. For our FX Exchange service, rates and terms are provided at time of transaction and may change. Lunexa Tech & Apps Inc. expressly disclaims any liability for decisions made based on outputs from our tools.

5. Acceptable Use

• Use our services for any unlawful purpose or in violation of Canadian federal or provincial laws
• Upload, transmit, or distribute harmful, defamatory, obscene, fraudulent, or rights-infringing content
• Attempt to gain unauthorized access to our systems or other users' accounts
• Misrepresent your identity or impersonate any person or entity
• Reverse engineer, copy, or reproduce any part of our platform without written permission
• Use automated tools such as bots or scrapers without authorization

6. User Responsibility

You are solely responsible for your use of our services and any content you upload, submit, or generate. You represent and warrant that you have all necessary rights for any content you submit, and that your use complies with all applicable Canadian laws. We reserve the right to suspend or terminate your account without refund for any violation of these Terms.

7. Subscriptions and Payments

By subscribing to any Lunexa Tech & Apps Inc. product, you authorize recurring charges according to your chosen plan. Pricing and billing cycles are clearly displayed before subscribing. Subscriptions renew automatically unless cancelled before the renewal date. Refund terms are specified in each product's specific terms.

8. Data and Privacy

Our Privacy Policy (available at lunexa.ca/privacy) governs how we handle personal information. Each product will present a product-specific privacy notice before use. We do not sell your personal information.

9. Intellectual Property

All content, software, AI models, designs, trademarks, and technology related to Lunexa Tech & Apps Inc. are our exclusive property protected by Canadian federal and international intellectual property laws.

10. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind. We do not guarantee uninterrupted or error-free service.

11. Limitation of Liability

To the maximum extent permitted by Canadian law, Lunexa Tech & Apps Inc. shall not be liable for any indirect, incidental, special, or consequential damages. Our total liability for any claim shall not exceed the amount you paid us in the 30 days preceding the claim.

12. Governing Law

These Terms are governed by the federal laws of Canada and the laws of Ontario. As a federally incorporated corporation under the CBCA, any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario, Canada.

13. Changes to These Terms

We may update these Terms from time to time and will notify registered users via email. Continued use constitutes acceptance of the revised Terms.