Privacy policy

Last Updated: September 26, 2022

My Financial Coach (“us”, “we”, or “our”) is committed to protecting the privacy and security of your personal information.

We operate the https://www.myfinancialcoach.ca website (the “Site”). This privacy policy applies to the Site and all products and services offered by us (collectively, the “Service”) and outlines how we collect, use, share and protect your personal information when you use the Service.

We use your data to provide and improve the Service. This privacy policy informs you of our policies regarding the collection, use, sharing and protection of personal data when you use our Service and the choices you have associated with that data. By using the Service, you agree to the terms outlined in this privacy policy.

Interpretation and Definitions

Interpretation

The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this privacy policy:

"Account" means a unique account created for you to access the Site or parts of the Site.

"Cookies" are small files that are placed on your computer, mobile device or any other device by a website, containing the details of your browsing history on that website among its many uses.

"Device" means any device that can access the Service such as a computer, a cell phone or a digital tablet.

"Personal Data" is any information that relates to an identified or identifiable individual.

"Service" refers to the Site and all products and services offered by us.

"Usage Data" refers to data collected automatically, either generated by the use of the Site or from the Site infrastructure itself (for example, the duration of a page visit).

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using the Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally identifiable information may include, but is not limited to:

Email address
First name and last name
Phone number
Financial data
Cookies and Usage data

Usage Data

Usage Data is collected automatically when using our Site. This information does not reveal your specific identity (like your name or contact information) but may include information such as your device's Internet Protocol (IP) address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When you access the Service by or through a mobile device, we may collect certain information automatically, including, but not limited to, the type of mobile device you use, your mobile device unique ID, the IP address of your mobile device, your mobile operating system, the type of mobile Internet browser you use, unique device identifiers and other diagnostic data.

We may also collect information that your browser sends whenever you visit our Site or when you access the Site by or through a mobile device.

Usage data is primarily needed to maintain the security and operation of our Site, and for our internal analytics and reporting purposes.

Tracking and Cookies Data

We use cookies and similar tracking technologies to track the activity on our Site and store certain information. Tracking technologies used are beacons, tags and scripts to collect and track information and to improve and analyze our Service. The technologies we use may include:

Cookies or Browser Cookies: A cookie is a small file placed on your device. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some parts of our Site. Unless you have adjusted your browser setting so that it will refuse cookies, our Site may use cookies.

Web Beacons: Certain parts of our Site and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit us, for example, to count users who have visited those pages or opened an email and for other related Site statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be "Persistent" or "Session" Cookies. Persistent Cookies remain on your personal computer or mobile device when you go offline, while Session Cookies are deleted as soon as you close your web browser.

We use both Session and Persistent Cookies for the purposes set out below:

Necessary/Essential Cookies

Type: Session Cookies

Administered by: Us

Purpose: These cookies are essential to provide you with services available through the Site and to enable you to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these cookies, the services that you have asked for cannot be provided, and we only use these cookies to provide you with those services.

Cookies Policy/Notice Acceptance Cookies

Type: Persistent Cookies

Administered by: Us

Purpose: These cookies identify if users have accepted the use of cookies on the Site.

Functionality Cookies

Type: Persistent Cookies

Administered by: Us

Purpose: These cookies allow us to remember choices you make when you use the Site, such as remembering your login details or language preference. The purpose of these cookies is to provide you with a more personal experience and to avoid you having to re-enter your preferences every time you use the Site.

Tracking and Performance Cookies

Type: Persistent Cookies

Administered by: Third Parties

Purpose: These cookies are used to track information about traffic to the Site and how users use the Site. The information gathered via these cookies may directly or indirectly identify you as an individual visitor. This is because the information collected is typically linked to a pseudonymous identifier associated with the device you use to access the Site.

Use of Data

We may use the collected data for the following purposes:

To deliver, facilitate delivery of, and maintain the Service, including to monitor the usage of the Service.

To manage your Account: to manage your registration as a user of the Service. The data you provide can give you access to different functionalities of the Service that are available to you as a registered user.

For the performance of a contract: the development, compliance and undertaking of the contract for the products, items or services you have purchased or of any other contract with us through the Service.

To contact you: to contact you by email, telephone call, SMS or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.

To provide you with news, special offers and general information about other products, services and events which we offer that are similar to those that you have already purchased or enquired about unless you have opted not to receive such information.

To manage your requests/offer support to you: to respond to and manage your inquiries to us and solve any potential issues you may have with the Service.

To protect our Service: to keep our Service safe and secure, include fraud monitoring and prevention.

For business transfers: we may use your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which data held by us about the users of our Service is among the assets transferred.

For other purposes: we may use your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share your personal information in the following situations:

With service providers: we may share your information with Service Providers to monitor and analyze the use of our Service, for payment processing or to contact you.

For business transfers: we may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.

With affiliates: we may share your information with our affiliates, in which case we will require those affiliates to honor this privacy policy. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or that are under common control with us.

With business partners: we may share your information with our business partners to offer you certain products, services or promotions.

With your consent: we may disclose your personal information for any other purpose with your consent.

Retention of Data

We will retain your personal data only for as long as is necessary for the purposes set out in this privacy policy. We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes and enforce our legal agreements and policies.

We will also retain usage data for internal analysis purposes. Usage data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of the Site, or we are legally obligated to retain this data for longer time periods.

Transfer of Data

Your information, including personal data, is processed at our operating offices and in any other places where the parties involved in the processing are located, meaning that this information may be transferred to, and maintained on, computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ from those of your jurisdiction.

Your consent to this privacy policy followed by your submission of such information represents your agreement to that transfer.

We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this privacy policy and no transfer of your personal data to an organization or a country will take place unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data

Business Transactions

If we are involved in a merger, acquisition or asset sale, your personal data may be transferred. We will provide notice before your personal data is transferred and becomes subject to a different privacy policy.

Law enforcement

Under certain circumstances, we may be required to disclose your personal data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

We may disclose your personal data in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend our rights or our property
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of users of the Service or the public
Protect against legal liability

Security of Data

The security of your personal data is very important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to protect your personal data through a system of organizational and technical security measures, we cannot guarantee its absolute security.

Service Providers

The service providers we use may have access to your personal data. These third-party vendors collect, store, use, process and transfer information about your activity on our Site in accordance with their privacy policies.

Analytics

We may use third-party service providers to monitor and analyze the use of our Site.

Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Site. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network.

You can opt-out of having made your activity on the Site available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js and dc.js) from sharing information with Google Analytics about visits activity.

For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page.

Email Marketing

We may use your personal data to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt-out of receiving any of these communications from us by following the unsubscribe link or instructions provided in any email we send or by contacting us.

Payments

We may provide paid products and/or services within our Service. In that case, we may use third-party services for payment processing (e.g. payment processors).

We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their privacy policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, Mastercard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.

Children's Privacy

Our Service does not address anyone under the age of 18. We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your child has provided us with personal data, please contact us. If we become aware that we have collected personal data from anyone under the age of 18 without verification of parental consent, we take steps to remove that information from our servers.

Links to Other Websites

Our Site may contain links to other websites that are not operated by us. If you click on a third party link, you will be directed to that third party's site. We strongly advise you to review the privacy policy of every site you visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update our privacy policy from time to time. We will notify you of any changes by posting the new privacy policy on this page and update the "Last Updated" date at the top of this privacy policy.

You are advised to review this privacy policy periodically for any changes. Changes to this privacy policy are effective when they are posted on this page.

If you have any questions about this privacy policy, you can contact us by email:

admin@myfinancialcoach.ca