PlanCertify
FAQ
Effective: June 13, 2026 · AllSpark Enterprises Ltd.
Legal Disclaimer: This document provides general information only and does not constitute legal, tax, or professional advice. Laws vary by province and change over time. Consult a licensed lawyer or CPA for advice specific to your situation.
Q:What is PlanCertify?
A:PlanCertify is an AI-powered business planning platform that guides you through a structured set of questions and generates a certified, investor-ready business plan. Plans are reviewed against industry benchmarks and Canadian regulatory frameworks.
Q:Is the AI-generated plan professional legal or financial advice?
A:No. PlanCertify generates general business planning content. Nothing in your plan constitutes legal, accounting, tax, or investment advice. You should have your plan reviewed by a licensed lawyer, CPA, or financial advisor before using it to make significant business decisions or to present to investors or lenders.
Q:What sections does the builder cover?
A:The builder walks you through 20 sections including: executive summary, market analysis, competitive landscape, business model, marketing strategy, financial projections, accounting & tax strategy, legal coverage, HR structure, and terms & conditions — among others.
Q:What does the Partner Certification seal mean?
A:Partners who complete all plan sections and pass the review process receive a PlanCertify Certification seal for display on their business materials. The seal indicates the plan meets our completeness and consistency standards — it is not a government licence or professional endorsement.
Q:How is my data stored and protected?
A:Your plan data is stored in a Supabase PostgreSQL database hosted in Canada (ca-central-1). All data is encrypted at rest (AES-256) and in transit (TLS 1.2+). We apply row-level security so only your account can access your plans. See our Privacy Policy for full details.
Q:Do you share my business plan with anyone?
A:No. Your plan content is private to your account. We do not sell, share, or use your plan data to train AI models without explicit consent. We share data only with the sub-processors listed in our Privacy Policy (Supabase, Square, SendGrid, Anthropic API) to operate the Service.
Q:What personal information do you collect?
A:We collect your name, email address, and province on signup. If you purchase a plan, we collect billing information through Square — we do not store card numbers on our servers. We also collect usage analytics if you consent. Full details are in our Privacy Policy.
Q:How do I delete my account and data?
A:Email stephenlavoie@allsparkenterprisesltd.com with subject "Delete My Account". We will delete your account and personal data within 30 days, except records we are required to retain under Canadian law (e.g., 7-year CRA financial record retention).
Q:I am a Quebec resident — do I have additional rights?
A:Yes. Under Quebec Law 25 (Act respecting the protection of personal information in the private sector, as amended 2022), you have the right to data portability, de-indexing, and to request review of automated decisions made using your personal information. Contact us to exercise these rights.
Q:How do I unsubscribe from marketing emails?
A:Every marketing email we send includes a one-click unsubscribe link as required by CASL (Canadian Anti-Spam Legislation, S.C. 2010, c. 23). Unsubscribe requests are processed within 10 business days. You can also email us directly to opt out. Transactional emails (receipts, password resets) are not affected by marketing opt-outs.
Q:What does my subscription include?
A:Subscription tiers and features are listed on the pricing page. All subscriptions include full access to the plan builder, AI-generated content, and PDF export. Certification seal access requires completing and passing plan review. Pricing is shown in Canadian dollars (CAD).
Q:What is your refund policy?
A:There is no federal Canadian law requiring refunds for digital services (outside specific regulated sectors). Our policy: if you contact us within 7 days of a subscription charge and have not generated a plan, we will issue a full refund. After 7 days or after plan generation, refunds are at our discretion. Contact stephenlavoie@allsparkenterprisesltd.com.
Q:Is GST/HST charged on my subscription?
A:Yes. We charge GST/HST at the rate applicable to your province at checkout. For example: Ontario 13% HST, BC 12% (5% GST + 7% PST), Alberta 5% GST, Quebec 14.975% (5% GST + 9.975% QST). Rates are applied automatically based on your billing province. Your receipt shows the tax breakdown. We are registered with the Canada Revenue Agency for GST/HST.
Q:I am in the United States — can I use PlanCertify?
A:Yes. US users may access PlanCertify. Note: the platform is designed for Canadian business planning frameworks and law. Prices are in CAD. No US sales tax is currently collected; however, if PlanCertify exceeds USD $100,000 in US revenue or 200 US transactions per year (Wayfair economic nexus), applicable US state sales tax registration may be required — US users should verify their local tax obligations.
Q:I am a PlanCertify Partner — am I an employee?
A:PlanCertify Partners are independent contractors, not employees. The platform does not remit payroll deductions (CPP, EI, income tax) on partner earnings. Partners are responsible for their own CRA filings, HST registration if applicable (mandatory if annual revenue exceeds $30,000 CAD), and compliance with provincial employment standards if they sub-hire. Consult a CPA to confirm your classification. This is general guidance, not legal or tax advice.
Q:How do I contact support?
A:Email: stephenlavoie@allsparkenterprisesltd.com. We aim to respond within 2 business days.