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Probably the most glaringly bizarre and horrible example is the lack of Mint.com in Canada. This is strange and aggravating for two main reasons. Firstly because Mint.com has been around since 2006, which is a very, very long time in internet years and they should have expanded beyond the USA by now. Secondly, because many Canadian banks, for example TD Bank (TD = Toronto Dominion), have large presences in the USA and you can use Mint.com with them. The fact that you can use Mint.com in America with a Canadian bank but you can't use Mint.com in Canada (which only has like 6 banks) is so bizarre and arbitrary that it feels offensive.


Mint is just a user-friendly wrapper on Yodlee, which integrates directly with the banks to get the data. The amount of data slurped is incredible -- basically, an RSS feed on your financial life.

Your government, in its infinite wisdom, has seen fit to protect you from unscrupulous American companies which could possibly record your data without complying with the Personal Information Protection and Electronic Documents Act. (Never heard of it? Your bank has.) This strengthened existing legislation, such as the Bank Act (never heard of it? Your bank has.), one section of which "requires banks to maintain and process in Canada any information or data relating to the preparation and maintenance of bank records, including customer account records".




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