iBudgex was founded in 2024 by a group of entrepreneurs determined to offer a budgeting service that meets the demands of the Canadian market. Having each worked in the financial sector since 2012, we observed that Canadians are looking for tools and knowledge to better manage their finances and learn the right practices and habits to adopt. Our company was therefore founded on our shared values of mutual support and continuous learning.

Start by creating your account, and once logged into your client portal, you will be able to connect your primary financial institution and all your active accounts with that bank will be linked to your account (chequing, savings, mortgage, credit card, loan, etc.). iBudgex technology will then categorize each of your transactions (income and expenses) in one place to give you a clear and precise picture of your financial profile, allowing you to build an effective budget, set achievable goals, and obtain various reports and statistics on your spending habits.

iBudgex is currently available in Canada only for 2025. We are currently working on expanding our services to the United States market in 2026.

By connecting your account, you unlock iBudgex's most powerful features:

• Full automation: No more manual entry! Your transactions are imported and categorized automatically.

• Real-time budget: Your budget updates every month, giving you a clear view of your financial situation.

• Insightful statistics: Discover reports and charts on your spending habits to better understand where your money goes.

• Time savings: Spend less time managing your accounts and more time reaching your financial goals.

No. Decision Logic is committed to protecting your privacy. Your personal and financial data is neither sold nor shared with unauthorized third parties. Information is used solely for the purpose of providing the transaction synchronization service for which you have given your consent.

Absolutely. The security of your information is our top priority. Decision Logic uses cutting-edge technologies to ensure a secure connection and protect your data. The platform is designed to provide bank-level security at every step of the process. Decision Logic has been audited by a qualified third-party security assessor to obtain SOC-2 certification, meaning they meet the highest standards for data protection.

Depending on the plan chosen, the subscription price may vary. We invite you to visit our pricing page to find the plan best suited to your needs.

Log in to your client portal and on your profile page, you will be able to upgrade your subscription to a higher plan. Your renewal date will remain the same as the original, and you will only be charged the prorated difference for the time remaining until the end of your initial subscription. Upon renewal, it will then be processed with your newly selected plan.

Of course! You can cancel your subscription yourself at any time simply by logging into your client portal!

Last updated: 01-01-2025

1. Nature of the service

iBudgex is a subscription-based digital platform providing access to budgeting, financial analysis, and personal management tools.

Due to the digital and immediate nature of the service, access is provided upon account activation.

2. Free trial period

If a free trial period is offered:

• No amount is charged during the trial period.

• The customer may cancel at any time before the end of the trial.

• Once the trial period expires, the subscription automatically becomes paid.

• No refund will be issued for forgetting to cancel after the trial period.

3. Monthly subscriptions

Monthly subscriptions are:

• Billed in advance

• Non-refundable after billing

• The user may cancel at any time. Access will remain active until the end of the already-paid period.

4. Annual subscriptions

Annual subscriptions are billed in a single payment. Unless required by applicable law, annual subscriptions are non-refundable after activation.

5. Exceptional cases

A partial or full refund may be granted only in the following cases:

• Demonstrated double billing

• Technical error attributable to iBudgex

• Major issue preventing access to the service

Any request must be sent to [email protected] within 7 days of the transaction.

6. Cancellation

Cancellation can be done:

• Directly from the customer profile

• By written request to support

Cancellation prevents future renewals but does not entitle the user to a retroactive refund.

7. Legal obligations

This policy complies with applicable laws of Canada and the United States regarding digital services. Certain jurisdictions may grant additional rights to consumers.

We will be happy to help you. Here is how you can get assistance:

• Send an email to [email protected]

Decision Logic only accesses your transaction history (amount, date, description) and your account balance. This information is used solely to power your iBudgex dashboard: categorize your expenses, update your budget, and generate your statistical reports. We only have access to a "read-only copy" of your transaction statement.

You may cancel your credit enhancement subscription at any time, without penalty. However, it is important to understand the implications of doing so. Upon cancellation, the credit history and reporting associated with your account through our program will be discontinued and removed from your credit profile with the credit bureaus. As a result, this may have an impact on your credit score, particularly if the reported history has contributed positively to your overall credit standing.

We recommend carefully considering this potential effect before proceeding with cancellation. If you have any questions or would like to review your current progress, our team would be happy to assist you.

Our program is designed to help you build or improve your credit profile in a simple and progressive way. When you enroll, we open a credit file in your name with the major credit bureaus. This process is completed without a credit inquiry, meaning your current credit score is not impacted by signing up.

Your monthly subscription then becomes a strategic tool: each payment you make is reported regularly to the credit bureaus as a positive activity.In practical terms, this allows you to:

• Build a reliable payment history

• Demonstrate financial consistency

• Gradually improve your credit profile over time

The more consistently you make your payments on time, the stronger your positive credit history becomes, which can help enhance your financial credibility with lenders.

You can cancel your subscription at any time. However, we encourage you to read: 'What happens to my credit if I cancel my subscription?' to fully understand the process following your cancellation.

The time it takes to see a positive impact on your credit score can vary depending on your individual credit profile. Since we report your subscription to the credit bureaus on a monthly basis, some clients may begin to notice changes within a few months. However, in many cases, it may take several billing cycles for consistent reporting to reflect meaningfully on your credit score.

It is important to note that this service represents only one part of your overall credit profile. Your credit score is influenced by multiple factors, including your payment history, credit utilization, and overall financial behavior. Maintaining good financial habits, such as making all of your payments on time and keeping balances low, is essential to achieving and sustaining a positive impact on your credit score. Missing payments or carrying high balances elsewhere may offset the benefits of this program.