Privacy Policy

Our Commitment to Privacy

Information We Collect

We gather information through direct interactions when you contact us or subscribe to content, and through automated technologies that help us understand how visitors use our website. The specific types of information collected fall into two primary categories described below.

How We Use Information

Information we collect serves specific purposes related to providing content, responding to inquiries, and improving your experience on our website. We never sell personal information to third parties or use it for purposes beyond those described here.

• • Responding to your inquiries, questions, and requests for information about financial wellness topics or our services.
• • Delivering newsletter content and updates you've specifically subscribed to receive from us.
• • Analyzing website usage patterns to improve content quality, navigation, and user experience.
• • Maintaining website security, preventing fraud, and protecting against technical issues or malicious activities.
• • Personalizing your experience by remembering your preferences and recognizing you on return visits.
• • Conducting internal research to better understand what types of content and information serve our audience most effectively.
• • Fulfilling legal obligations and complying with applicable Canadian privacy and business regulations.

Information Sharing and Disclosure

We maintain strict policies about when and how we might share information with others. Your personal information remains confidential except in specific circumstances where sharing serves legitimate purposes or fulfills legal obligations, as described below.

Your Privacy Rights

Under Canadian privacy legislation, you maintain specific rights regarding personal information we hold about you. We respect these rights and provide straightforward processes for exercising them. Contact us using information provided at the end of this policy to make requests.

• • Access your personal information to review what data we hold about you.
• • Correct inaccurate or incomplete information in our records.
• • Request deletion of your personal information, subject to legal retention requirements.
• • Receive copy of your data in structured, commonly used format.
• • Object to specific processing of your information for particular purposes.
• • Request restriction of processing under certain circumstances.

Information Security Measures

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, or destruction. While no system provides absolute security, we maintain practices appropriate to the sensitivity of information we collect.

How Long We Keep Information

We retain personal information only as long as necessary to fulfill purposes described in this policy, comply with legal obligations, resolve disputes, and enforce agreements. Retention periods vary based on information type and purpose.

• • Contact information and correspondence retained while relationship continues and for reasonable period afterward.
• • Website usage and analytics data typically retained for two years to identify trends.
• • Marketing communications preferences retained until you unsubscribe or request deletion.
• • Transaction records retained for seven years to comply with Canadian financial record-keeping requirements.
• • Newsletter subscriber information retained until you unsubscribe or request removal from our list.

After retention periods expire, we securely delete or anonymize information so it can no longer identify you. Some information may be retained in backup systems for limited additional periods before permanent deletion.

International Data Transfers

While we primarily operate within Canada, some service providers we work with may store or process data in other countries. When information transfers outside Canada, we ensure appropriate safeguards protect your privacy rights.

• • We work only with service providers in jurisdictions with adequate privacy protections or those who contractually agree to protect information appropriately.
• • Data processing agreements specify security requirements, use limitations, and compliance with Canadian privacy standards.
• • We limit international transfers to what's necessary for specific services and maintain oversight of how transferred data is handled.
• • You may contact us to learn more about specific safeguards applied to any international transfers affecting your information.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance website functionality, remember your preferences, analyze usage patterns, and improve your experience. Our Cookie Policy provides comprehensive information about what cookies we use and how to manage your preferences.

Most browsers allow you to control cookies through settings. Note that disabling certain cookies may limit website functionality or your ability to access some features. Visit our Cookie Policy for detailed information and management instructions.

Changes to Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other operational needs. We'll post revised policy on this page with updated effective date at the top.

• • Material changes will be prominently posted on our website before they take effect.
• • If we have your email address, we may notify you directly of significant privacy policy changes.
• • Continued use of our website after changes take effect constitutes acceptance of updated policy.
• • We encourage you to review this policy periodically to stay informed about how we protect your information.

If you disagree with changes to this policy, please discontinue use of our website and contact us to request deletion of your information, subject to legal retention requirements.