AI development company for Toronto fintech, scaleups & healthcare.

We do not operate a Toronto office. Aiinfox runs from our Mohali, India HQ and a Frisco, TX office. For Toronto clients that need US Eastern business-hours coverage, our Frisco pod runs Central Time — one hour behind Toronto, covering the same workday — and the same senior engineers run twice-weekly demos in Toronto business hours. For on-site engagements at Bay Street or MaRS offices, we travel to Toronto on a scheduled cadence rather than maintaining a sub-scale local team.

Yes. Our Frisco, TX office runs Central Time, which is one hour behind Toronto Eastern — your 9am is our 8am, your 5pm is our 4pm — so the Toronto workday is fully inside the Frisco pod's day. Our Mohali team adds a native two-to-three-hour late-afternoon overlap with Toronto's late-afternoon. Twice-weekly demos run inside Toronto business hours; written updates land before your standup; the senior engineer on your kickoff is the senior engineer through launch. If your engagement genuinely cannot survive without a Toronto-based team on the ground at all hours, we will tell you on the first call.

Yes. Our engagement defaults are aligned with PIPEDA federally and Ontario's Personal Health Information Protection Act (PHIPA) for any engagement touching personal health information from Toronto-area providers. DPAs are signed before any personal information is shared, and we run a Privacy Impact Assessment for engagements processing personal information at scale. For PHIPA specifically, we support the Ontario obligations on consent, the lockbox provisions, retention limits, and breach notification to the IPC of Ontario. Audit logs on every model and tool call are exportable for IPC review or PHIPA forensic investigation.

Your call on the region. We default to AWS ca-central-1 (Montreal) for Eastern Canadian clients that want Canadian data residency, Azure Canada Central (Toronto) for clients that prefer in-province hosting, or GCP northamerica-northeast2 (Toronto). For inference, we route Claude or GPT-4o to a Canadian or US region depending on what your privacy officer approves — or we self-host Llama 3 on vLLM inside your Canadian VPC for zero third-party inference. No Canadian personal information silently crosses the border unless your DPA explicitly permits it.

Yes. We have shipped KYC automation, FINTRAC-aware transaction monitoring, fraud signal extraction, and deterministic-output compliance copilots for OSFI-supervised banks and lending operators serving Canadian markets. Every model and tool call is audit-logged with input, output, prompt version, and operator identity — so the responsible person under OSFI Guideline B-13 (technology and cyber risk management) or E-23 (model risk management for federally regulated financial institutions) has the evidence they need for a supervisory examination. We do not make autonomous regulatory decisions; humans approve everything that touches a regulated outcome.

Yes. We work with MSA-plus-SOW structures for ongoing relationships and single-document fixed-price agreements for pilots. Standard terms cover IP assignment (your code, your IP), limitation of liability tuned to the scope, indemnification, data handling under PIPEDA and PHIPA where applicable, and a 30-day production warranty. NDAs are mutual. We are a registered Indian entity (Aiinfox Pvt. Ltd.) invoicing Toronto clients in CAD via wire transfer or USD by preference, as a foreign corporation — no T4A entanglement on your side.

Most v1 engagements at Aiinfox land between CAD 35,000 and CAD 160,000 fixed-price for a focused build — an AI agent, a RAG system, a voice pipeline, or a bespoke ML model. Larger multi-quarter engagements with fine-tuning, custom evals, and OSFI- or PHIPA-aware compliance work typically reach CAD 200,000 to CAD 350,000. Pilots are usually CAD 12,000 to CAD 25,000 with acceptance criteria written into scope. Cost difference versus a Bay Street consultancy is roughly 40 to 60 percent on senior rates — useful, but the delivery model is the real headline.

A working v1 in production six weeks after kickoff, with evals, guardrails, observability, and audit logs wired in from week one — not retrofitted after launch. For Bay Street fintech, success is typically a measurable lift on a regulated workflow (KYC throughput, fraud signal precision, compliance copilot deflection) at audit-defensible quality for OSFI examinations. For GTA healthcare, success is a PHIPA-aligned RAG or ambient scribe with zero policy-violating answers in production. For MaRS scaleups, success is a shipped AI feature that meaningfully moves a product metric and survives investor due diligence. We measure against your acceptance criteria, written into scope before kickoff.