2. 2
65% of Canadians do not
have a ļ¬nancial planner
because they donāt think
they can afford it (50%) and
because they donāt know
whom to trust (22%).
No plan No budget No investment
51% of Canadians report
not having a budget, yet
Canadians who budget
are less likely to fall
behind on their ļ¬nancial
obligations.
60% of Canadians who
would like to invest donāt
do it because they are not
conļ¬dent in their ability
to make investment
decisions
65% 51% 60% 59%
59% of Canadians aged
18-34 rely primarily on asking
their friendsā and familyās
opinion to make important
ļ¬nancial decisions.
No ļ¬nancial tips
The problem
3. All-in-one personal
ļ¬nance app
3
Plan, budget & track
your investments from
a single app that syncs
with your credit cards,
bank accounts and
investment accounts.
Plan
5. A paradigm shift
The old way The new way
ā Web-focused
ā Allows you to ļ¬nd the best product based on
information you input manually
ā Pushes generic offers when it make sense for
the company to do so
ā Mobile-focused
ā Allows you to get the best product for your
speciļ¬c needs
ā Pushes personalized offers when the user is
actually looking for it
5
6. 6
We use 256-bit SSL
encryption, host all of the
appās data in
Amazon-secured data
centres, and have a team of
seasoned developers with
experience working for large
ļ¬nancial institutions.
Secure
Hardbacon employees do
not have access to
individual account data. We
will never sell your
personal information.
Privacy by design
Conļ¬dential
Our usersā most sensitive
information is not stored on
our servers. Account
information is pulled and
analyzed in real time in such
a way that even if our servers
were compromised, our users
most sensitive data would be
safe..
7. 7
Budgeting feature x x ā x ā
Financial planning feature x x x x ā
Investment tracking x x x ā ā
Crypto tracking x x x ā ā
Owns multiple personal
ļ¬nance sites
x x x x ā
Has a mobile app x x ā ā ā
Creates content to help
Canadians make better
ļ¬nancial decisions
ā ā x x ā
Personalized product
recommendations
x x x x ā
8. Traction
8
Hardbacon reaches more than
200,000 uniques visitors per
month
Revenue is growing on average 8%
per month since January 2021
We raised more than 3.1 million
dollars through equity
crowdfunding
We have 80 active clients, with
more than 200 ļ¬nancial products
covered by lead-generation
agreements
We published more than 2,000
articles about personal ļ¬nance
and we keep adding about 70 per
month
Since 2021, we acquired 3
websites: simplerate.ca,
grattecenne.com, and
FindmyTotal.com