CoreTrust Consulting, Brampton, Ontario.
Trevon Halstead, founder, is accountable for how CoreTrust handles your personal information. Questions, requests and complaints go to him at coretrustc@gmail.com.
| Information | When | Why |
|---|---|---|
| Email address (and your name, if you sign in with Google) | When you create an account | To sign you in and, only if you agree, send deadline reminders |
| Profile: school, program, year, province, tuition, rent, books, residence and living costs, side-income status | When you save the profile form while signed in | To tailor funding and credit guidance to your situation |
| Gender, ethnicity, athlete status (optional) | Only if you choose to fill them in | Many bursaries are reserved for specific groups; this is how we match you to them. Leave them blank if you prefer. |
| Documents you upload (e.g. an OSAP assessment) | When you upload one while signed in | The file is read to fill in your profile, then discarded. We keep the document type, a short summary and the figures read from it — not the file. |
| Tracked applications, roadmap, documents we generate for you | When you use those features | To keep your progress and remind you of deadlines |
| Reminder consent | When you tick or untick the reminder box | So we only email you if you said yes (Canada's Anti-Spam Legislation) |
| Chat messages | When you use the AI advisor | Sent to our AI provider to generate a reply. We don't save your chat history. |
| Messages with CoreTrust | When you or CoreTrust send a message in the Messages tab | So we can talk one-to-one about your situation. Stored until you delete your account. |
We don't use analytics or advertising trackers. Your browser stores a sign-in token so you stay signed in; it's removed when you sign out.
| Provider | What they do | Location |
|---|---|---|
| Supabase | Database and sign-in — stores your account and profile | Canada (Montréal) |
| Anthropic | Generates AI advisor replies; reads documents you upload | United States |
| Vercel | Hosts the website and runs its servers | United States |
| Resend | Delivers sign-in links and reminder emails | United States |
| Only if you choose "Continue with Google" | United States |
Messages you send to the advisor, documents you upload, and — when the founder uses AI to help draft a reply — your recent messages with CoreTrust and a short summary of your profile, are processed by Anthropic's API, which deletes inputs and outputs within 30 days and does not use them for model training. (Anthropic may keep data longer only where needed to enforce its usage policy or meet a legal requirement.)
Information processed outside Canada is subject to the laws of that country, and may be accessible to its courts and authorities.
You, when signed in. Our database enforces that each account can read only its own records.
CoreTrust's founder can view student profiles, tracked applications and your messages with CoreTrust in an internal dashboard, to support students and improve the service. He may keep private notes and tags on your account for the same purpose; you can ask to see them. This view requires a separate founder sign-in.
Nobody else. We don't sell, rent or share your information for marketing.
We only send deadline reminders if you ticked the reminder box. To stop them, untick it in your profile, or reply to any reminder and we'll turn them off. Sign-in emails are sent only when you ask for one.
If CoreTrust sends you a message, we email you that a message is waiting (the email doesn't include the message itself). To stop these emails, reply to one and we'll turn them off. We never send bulk or marketing email.
Until you delete your account. Accounts inactive for 24 months are deleted.
This site is intended for users 18 and older. It's written for students aged 18 to 25.
If this policy changes, we'll update the date at the top. If a change affects how we use information you've already given us, we'll tell you by email before it takes effect.
CoreTrust Consulting provides general financial education and informational content only. Nothing on this platform constitutes financial advice, credit counselling, legal advice, or a recommendation specific to your personal financial situation. All information is based on publicly available sources, Canadian consumer law, and publicly listed financial products as of the date of publication. Program details, rates, eligibility criteria, and product features change frequently — always verify directly with the relevant institution, government program, or service provider before making any financial decision.
No outcome — including credit score improvement, product approval, bursary eligibility, debt removal, or income result — is guaranteed or implied. Individual results depend entirely on personal circumstances, creditworthiness, institutional policies, and individual action. CoreTrust Consulting is not affiliated with, endorsed by, or partnered with any bank, credit bureau, government body, or post-secondary institution. Use this information as a starting point for your own research, not as a substitute for it.