Mobile app development · Toronto

Mobile appdevelopment forToronto businesses.

A senior remote product team for Toronto founders and operators — fintech, health and retail apps built to PIPEDA, Ontario's PHIPA and the AODA, with calls in your morning.

See selected work
Calls in your morning, ET
PIPEDA, PHIPA & AODA-ready
Proposals priced in CAD
In short

App development in Toronto.

Kurchu Software Solutions builds fintech, health and retail apps for Toronto and Ontario businesses, working remotely from Lahore, Pakistan, nine to ten hours ahead of Eastern time. Apps follow PIPEDA, Ontario's PHIPA for health information and the AODA, integrate Interac and Moneris, and can be hosted in Canada — with proposals in CAD.

City
Toronto, Canada
Time zone
ET — Calls and demos are held in your morning, Toronto time; work continues through your night.
Local rules
PIPEDA — consent, purpose limitation and access requests; Ontario's PHIPA for apps handling personal health information
Integrations
Interac and Moneris; Bank-account linking through Flinks or Plaid; Stripe, Apple Pay and Google Pay
Platforms
iOS (Swift), Android (Kotlin), Flutter, React Native
Team location
Lahore, Pakistan — working remotely with clients
Built for Toronto

Building apps in Toronto.

Toronto is Canada's financial and technology centre, home to the big banks, a large fintech and AI ecosystem and one of the most multilingual populations in North America.

Sectors we build for in Toronto

  • Banking and fintech
  • AI and SaaS
  • Health tech
  • Retail and real estate

Laws & rules we plan around

  • PIPEDA — consent, purpose limitation and access requests
  • Ontario's PHIPA for apps handling personal health information
  • AODA accessibility, met through WCAG 2.2 AA
  • CASL-compliant consent for marketing email and SMS

Payments & integrations

  • Interac and Moneris
  • Bank-account linking through Flinks or Plaid
  • Stripe, Apple Pay and Google Pay
  • HST-aware pricing and receipts
Time zone · ET

Lahore is 10 hours ahead of Toronto in winter and 9 hours ahead during daylight saving time.

Calls and demos are held in your morning, Toronto time; work continues through your night.

Official guidanceOffice of the Privacy Commissioner of CanadaInformation and Privacy Commissioner of Ontario

We build to these requirements alongside your legal and compliance advisers — final sign-off on regulatory questions should come from them.

Apps we build in Toronto

What Toronto businesses ask us to build.

  • 01

    Fintech onboarding app

    Identity verification, bank-account linking through Flinks or Plaid and e-signature, built for Canadian KYC requirements.

  • 02

    Clinic booking app

    Appointments, intake forms and reminders for Ontario clinics, with health data hosted in Canada under PHIPA.

  • 03

    Condo and real estate app

    Listings, viewing requests, amenity booking and building notices for brokerages and condo managers.

FAQ · Toronto

Questions from teams in Toronto.

Something we haven't covered? Write to info@kurchu.com — a senior person replies within one working day.

We are a Lahore-based team working with Toronto remotely. A 9:00–12:00 call in Toronto is 19:00–22:00 in Lahore in winter and 18:00–21:00 in summer. Canadian clients often ask where data lives: we deploy to Canadian cloud regions in your own account, while our team works on the code, not on copies of your customers' data.

With us, focused MVPs typically start in the mid five figures, while full platforms with several apps and an admin panel run into six. Toronto projects often add two cost items: Canadian data hosting with the access logging PHIPA expects for health apps, and Interac or Moneris alongside card payments. Both are priced separately in the CAD proposal, so you can see what compliance adds to the build.

If your app collects, uses or discloses personal health information on behalf of Ontario health custodians such as clinics, hospitals or pharmacies, PHIPA applies, often alongside PIPEDA. We build encryption, access logs, consent records and Canadian data hosting into the architecture, and document data flows for your privacy assessment. Your privacy officer or counsel confirms how PHIPA applies to you.

Ontario has no general rule requiring private-sector apps to be in French. If you sell to customers in Quebec, though, Quebec's Charter of the French Language does require French, so many Toronto companies plan for it early. We build every app ready for a second language, so adding French later is a translation job rather than a redesign.

Start a project

Let's build the one they keep.

Tell us where you are today — idea, prototype, or existing product — and we'll help define the smartest next step.

info@kurchu.com
Two-minute brief

Where are you today?

Currently scheduling discovery sprints · Reply within one working day

Have an app in mind?