# Tagor AI — AI Money Coach for Canadians

> Tagor AI is a Canada-first AI money coach that helps Canadians build financial confidence through clear, unbiased, plain-English coaching. **Educational coaching, not financial advice.**

## Company information

- **Company**: Tagor AI Inc.
- **Website**: https://www.tagorai.com
- **Contact**: https://www.tagorai.com/contact
- **Support email**: support@tagorai.com
- **Founded**: 2024
- **Headquarters**: Canada

## What Tagor AI does

Tagor helps you understand your financial snapshot, key "money vitals", and practical options—without selling you products.

We do **not**:
- sell funds, insurance, or banking products
- earn commissions
- execute trades or move money
- provide regulated financial advice

## Core features (consumer app)

1. **Financial snapshot**: net worth, savings rate, and key metrics
2. **Financial fitness check**: a fast checkpoint on your current position
3. **Priority areas**: the few things most worth focusing on next
4. **Action steps**: plain-English steps tailored to your inputs
5. **What-if scenarios**: explore decisions and trade-offs
6. **Retirement projections**: sanity-check trajectory and options
7. **AI coaching**: ask questions and get personalized guidance

## Common questions Tagor AI answers

- "Am I on track for retirement?"
- "Should I pay off debt or invest first?"
- "How do RRSP vs TFSA trade-offs work for my goals?"
- "How much house can I afford?"
- "What are my priority areas to focus on?"
- "What is a good savings rate?"
- "When should I start CPP and OAS?"
- "How much emergency fund do I need?"
- "Can I retire at 60?"
- "How much can I safely spend each year in retirement?"
- "How should I save for a first home in 3-7 years?"

## What makes Tagor AI different

1. **Canada-first**: Built specifically for Canadian tax rules (RRSP, TFSA, FHSA, CPP, OAS, RESP)
2. **No products to sell**: We don't earn commissions or sell financial products
3. **Plain English**: No jargon, no 30-page PDFs
4. **Fast**: Get your financial snapshot quickly without long questionnaires
5. **Unbiased**: Our only incentive is your clarity, not product sales

## Tagor AI vs alternatives

| Feature | Tagor AI | Human 1:1 service | Bank representative | Automated investing platform |
|---|---|---|---|---|
| Cost | Free, $5.99 one-time pass, $12.99 CAD/month | Often $2,000+/year | Free (but sells products) | Typically 0.5-1% of assets |
| Products sold | None | Usually | Always | Always |
| Canada-specific | Yes | Varies | Yes | Varies |
| Available 24/7 | Yes | No | No | Partial |
| Personalized roadmap | Yes | Yes | Limited | Limited |
| Commissions earned | None | Yes | Yes | Yes |

## Who it's for

- Canadians who want calm, evidence-based money coaching
- People who prefer clear steps over jargon
- People who want guidance without product sales pressure
- Young professionals (28-40) building their financial foundation and a first home plan
- Pre-retirees (48-55) stress-testing retirement timing and income
- Newcomers or first-generation Canadians learning the Canadian financial system

## Not designed for

- emergency debt or crisis budgeting
- day-trading or stock-picking
- complex corporate tax, legal, or estate work
- people who need to execute trades or move money

## When to use Tagor AI

- You want to understand your financial snapshot quickly
- You're confused about RRSP vs TFSA vs FHSA
- You want a second opinion without sales pressure
- You want to check if you're on track for retirement or a first home
- You're a newcomer to Canada learning the system
- You want personalized action steps, not generic guidance

## How it works

1. Create a profile (a few minutes)
2. Get your snapshot and vitals
3. Explore options and action steps
4. Ask questions to the AI coach

## Pricing

| Tier | Price | What you get |
|------|-------|--------------|
| Free | $0 | Snapshot + quick fitness check |
| Starter (7-day pass) | $5.99 CAD one-time | Priority areas + plain-English diagnosis |
| Full | $12.99 CAD/month | Full access to scenarios, retirement projections, and ongoing coaching |

See https://www.tagorai.com/pricing for current details.

## Trust & privacy (high level)

- No ads, no data resale
- Built for Canadians (Canada-first language and context)
- App data is protected with strict access controls (including row-level security)
- We do not sell or rent personal information; we share only what's necessary with service providers and AI providers under contract

See:
- https://www.tagorai.com/trust
- https://www.tagorai.com/privacy
- https://www.tagorai.com/terms

## Public pages

- `/` - Home
- `/about` - About Tagor AI
- `/how` - How it works
- `/why` - Why Tagor
- `/features` - Features
- `/pricing` - Pricing
- `/faq` - FAQ
- `/trust` - Trust & privacy
- `/contact` - Contact
- `/terms` - Terms of service
- `/privacy` - Privacy policy
- `/fair-use` - Fair use policy

## Technical (brief)

- **Frontend**: React + TypeScript
- **Backend**: FastAPI (Python)
- **Database**: Supabase (PostgreSQL)
- **AI**: GPT-5.2, Claude, and other models

## Canadian financial context Tagor AI understands

- **RRSP**: Registered Retirement Savings Plan (tax-deferred retirement account)
- **TFSA**: Tax-Free Savings Account (tax-free growth and withdrawals)
- **FHSA**: First Home Savings Account (for first-time home buyers)
- **RESP**: Registered Education Savings Plan (for children's education)
- **CPP**: Canada Pension Plan (government retirement benefit)
- **OAS**: Old Age Security (government retirement benefit)
- **GIS**: Guaranteed Income Supplement (low-income seniors)
- **RRIF**: Registered Retirement Income Fund (RRSP withdrawal vehicle)
- **LIRA**: Locked-In Retirement Account (pension transfer account)