Frequently Asked Questions

ExpenseBRIO app offers multiple auto-savings methods that work together to help you save effortlessly. The most popular is our round-up feature: every time you make a purchase, we round the transaction to the nearest dollar and transfer the difference to your savings goal. For example, if you buy coffee for $4.35, we round it to $5.00, and $0.65 goes into your designated savings "piggy bank."

You can also set up scheduled automatic transfers - daily, weekly, bi-weekly, or monthly - that move fixed amounts from your checking account to your savings goals. Additionally, our smart suggestion system analyzes your spending patterns and income fluctuations to recommend optimal times and amounts for extra savings contributions.

All these methods are customizable and can be paused, adjusted, or cancelled at any time through your dashboard. The beauty of automation is that it removes the need for constant manual intervention while still giving you complete control.

Yes, absolutely. Security is our highest priority at BRIO COMMERCE INC. When you connect your bank account to ExpenseBRIO app, we use bank-level 256-bit encryption - the same security standard used by major financial institutions across Canada. Your banking credentials are never stored on our servers; instead, we use secure, encrypted authentication protocols.

We establish read-only access to your account information, meaning ExpenseBRIO app can view transactions and balances but cannot initiate any payments or transfers without your explicit approval within the app. Every transaction request goes through multiple layers of verification and authentication.

Our security infrastructure undergoes regular third-party audits, and we comply with all Canadian financial data protection regulations. We never sell your financial information to third parties for marketing purposes, and all data is encrypted both in transit and at rest on our servers.

Yes, you have complete flexibility to modify your savings strategy at any time. Life circumstances change, and ExpenseBRIO app is designed to adapt with you. Through your dashboard, you can instantly pause any auto-savings rule - whether that's round-ups, scheduled transfers, or all automation entirely.

You can also adjust the parameters of existing rules without deleting and recreating them. For example, if you set up a weekly $50 transfer but realize that's too aggressive, simply edit the rule to $25 or change the frequency to bi-weekly. Changes take effect immediately.

If you need to temporarily pause savings due to an unexpected expense or income disruption, there's a one-click pause button. When you're ready to resume, another click reactivates your rules. There are no penalties, fees, or waiting periods for making these adjustments. Your financial wellness is a journey, not a rigid plan, and we support that flexibility.

You can withdraw money from your savings goals whenever you need it, without penalties or complicated processes. Your saved funds remain accessible - this isn't a locked account or investment vehicle. ExpenseBRIO app is designed to help you save, but we understand that life happens and flexibility is essential.

To withdraw, simply navigate to the specific savings goal, select "Withdraw," enter the amount you need, and choose where to transfer the funds (typically back to your primary checking account). The transfer usually processes within 1-2 business days, depending on your financial institution.

We do recommend treating your savings goals seriously and only withdrawing when truly necessary, as frequent withdrawals can derail progress toward your targets. However, the option is always there for genuine emergencies or changed circumstances. If you're withdrawing from an emergency fund for a legitimate emergency, that's exactly what it's there for - and we support that decision.

ExpenseBRIO app operates on a transparent subscription model with no hidden fees. We offer multiple tiers to accommodate different needs and budgets: a free basic plan with limited features, a standard plan for most users, and a premium plan with advanced analytics and unlimited goals.

Our pricing page provides detailed breakdowns of what's included in each tier. Importantly, we never charge fees for withdrawals, transfers, or account changes. You won't encounter surprise charges or percentage-based fees on your savings. The subscription cost you see is the only cost you pay.

We believe in straightforward pricing that respects our users. If you decide ExpenseBRIO app isn't right for you, you can cancel your subscription at any time without penalties. Any money you've saved remains yours, accessible for immediate withdrawal. We're confident that once you experience the benefits of automated savings, you'll want to stay - but we never lock you in.

Yes, ExpenseBRIO app is available to residents throughout Canada, from British Columbia to Newfoundland and Labrador, including all provinces and territories. BRIO COMMERCE INC. is a Canadian company based in Montreal, and we've specifically designed our service to work with Canadian financial institutions and comply with Canadian regulations.

We support integration with major Canadian banks, credit unions, and financial service providers. Whether you bank with one of the big five banks, a regional credit union, or an online-only bank, there's a strong likelihood we can connect to your accounts. Our connection infrastructure is continuously expanding to include more institutions.

If you're unsure whether your specific financial institution is supported, you can check our compatibility list on the website or contact our support team. We're constantly adding new integrations based on user demand.

Data protection is foundational to everything we do at BRIO COMMERCE INC. We employ multiple layers of security to safeguard your financial information. All data transmission between your devices and our servers uses 256-bit SSL encryption - the same technology banks use for online banking. This means your information is scrambled during transit and can't be intercepted by third parties.

On our servers, your data is encrypted at rest using advanced encryption standards. We use secure, redundant data centers with physical security measures, including 24/7 monitoring, biometric access controls, and multiple backup systems to prevent data loss.

Our team follows strict security protocols, and access to user data is limited to essential personnel only, with all access logged and audited. We conduct regular security assessments and penetration testing to identify and address potential vulnerabilities before they can be exploited.

We also comply with Canadian privacy legislation, including personal information protection laws. Your data is stored exclusively in Canadian data centers and is never shared, sold, or transferred to third parties for marketing purposes. You maintain ownership of your information and can request its deletion at any time.

Absolutely not. ExpenseBRIO app is specifically designed for everyday Canadians who may not have extensive financial knowledge or experience. You don't need to understand complex investment strategies, tax optimization, or economic theory. If you can use a smartphone app, you can use ExpenseBRIO app effectively.

Our interface uses plain language instead of financial jargon. Every feature includes helpful explanations and tooltips. The setup process is guided step-by-step with clear instructions and examples. You're never left wondering what something means or what you should do next.

The whole point of automation is that the app handles the complex calculations and decision-making behind the scenes. You simply tell it what you want to achieve (save for a vacation, build an emergency fund, etc.), and the app figures out how to get you there. Think of it as having a financial assistant who does the tedious work while you focus on living your life.

That said, we also provide educational resources, blog articles, and tips for users who want to learn more about personal finance. But this learning is optional - you'll see results from ExpenseBRIO app whether you're a finance novice or an experienced money manager.

While many apps focus solely on tracking where your money goes, ExpenseBRIO app emphasizes automation and action. Yes, we track and categorize your spending like other budgeting tools, but our primary focus is on automatic savings - making it effortless to actually save money, not just observe that you should be saving.

Traditional budgeting apps require constant manual input and discipline. You have to remember to log expenses, review your budget regularly, and manually transfer money to savings. Most people start strong but lose momentum after a few weeks. ExpenseBRIO app removes this friction through intelligent automation. Once you set your rules, the app works continuously without requiring ongoing attention.

Our "piggy bank" system with visual goal tracking creates psychological motivation that abstract numbers in a spreadsheet can't match. Seeing a progress bar fill up toward your vacation fund feels satisfying and keeps you engaged. The round-up feature turns everyday transactions into savings opportunities automatically.

We also distinguish ourselves with our commitment to security, Canadian-focused service, and transparent pricing. BRIO COMMERCE INC. is a Canadian company that understands the Canadian financial landscape, works with Canadian institutions, and operates under Canadian regulations. We're not a U.S. company trying to adapt to Canada - we're built for Canadians from the ground up.

We pride ourselves on providing responsive, helpful customer support because we understand that financial matters can feel stressful, and you deserve timely assistance. Our support team is available through multiple channels to accommodate different communication preferences.

You can reach us via email at contact@cantrustai.com for non-urgent inquiries. We typically respond within 24 hours during business days. For quicker assistance, you can call our support line at +1 (647) 948-9122 during business hours (Monday-Friday, 9 AM - 6 PM Eastern Time). Our in-app chat feature also connects you directly with support representatives for real-time help with technical issues.

Our support team is trained not just in technical troubleshooting but also in understanding the personal nature of financial concerns. We approach every interaction with empathy and patience. Whether you're confused about a feature, experiencing a technical glitch, need help optimizing your savings strategy, or have questions about your account - we're here to help.

Beyond direct support, we maintain an extensive help center with articles, video tutorials, and FAQs that address common questions. Many users find answers quickly through self-service resources. But when you need human assistance, we're just a message, call, or chat away.