Privacy Policy - Retirement Wealth Optimizer

Information Collection

We collect information you provide directly to us when you visit our website, subscribe to our newsletter, submit forms, or contact us. This may include your name, email address, age range, financial information ranges, and any other information you choose to provide. We also automatically collect certain information about your device and how you interact with our website through cookies, web beacons, and similar technologies.

Automatically Collected Information

When you visit our website, we automatically collect information about your visit, including your IP address, browser type and version, operating system, referring website, pages viewed, time spent on pages, and other usage statistics. We use this information to improve our website, analyze traffic patterns, and provide personalized content and advertising. This data collection is performed through various tracking technologies including first-party and third-party cookies, pixel tags, and web beacons.

Advertising and Analytics Partners

We work with third-party advertising networks, analytics providers, and content recommendation services to deliver relevant advertisements and measure the effectiveness of our marketing campaigns. These partners may collect information about your visits to our website and other websites to provide advertisements about goods and services that may interest you. This includes companies such as Google Analytics, Facebook, Taboola, and other advertising technology providers who help us reach potential clients interested in retirement planning services.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze website traffic, and serve personalized advertisements. Essential cookies are necessary for basic website functionality, while analytics cookies help us understand how visitors interact with our website. Advertising cookies are used to deliver relevant ads and measure campaign performance. You can control cookie settings through your browser preferences, though disabling certain cookies may affect website functionality. We also use pixel tags and web beacons in our emails to track email opening rates and click-through rates.

Information Usage and Sharing

We use the information we collect to provide, maintain, and improve our services, communicate with you, provide customer support, and deliver personalized content and advertisements. We may share your information with trusted service providers who assist us in operating our website, conducting our business, or serving you. This includes email service providers, analytics companies, advertising partners, and financial services partners who may contact you about retirement planning services. We do not sell your personal information to third parties, but we may share aggregated, non-personally identifiable information for marketing and research purposes.

Financial Services Partnerships

As part of our mission to help Canadians optimize their retirement savings, we maintain partnerships with licensed financial institutions, investment advisors, and insurance companies. When you submit a request for information or analysis through our website, your information may be shared with these qualified partners who can provide you with personalized financial advice and services. These partners are bound by their own privacy policies and professional regulations. You have the right to opt out of such sharing at any time by contacting us directly.

Data Security and Protection

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes encryption of sensitive data in transit and at rest, regular security assessments, and access controls limiting who can view your information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security. We retain your personal information only as long as necessary to fulfill the purposes for which it was collected and to comply with legal obligations.

International Data Transfers

Your personal information may be transferred to and processed in countries other than Canada, including the United States, where our service providers and partners may be located. These countries may have different data protection laws than Canada. When we transfer your information internationally, we ensure appropriate safeguards are in place to protect your privacy rights, including through contractual agreements and compliance with applicable data protection frameworks.

Your Privacy Rights and Choices

Under Canadian privacy laws, including PIPEDA, you have the right to access, correct, or delete your personal information. You may also request information about how your data is being used and shared. You can opt out of receiving marketing communications from us at any time by clicking the unsubscribe link in our emails or contacting us directly. For personalized advertising, you can adjust your preferences through your browser settings or visit industry opt-out pages such as the Digital Advertising Alliance of Canada (DAAC) website. You may also have rights regarding automated decision-making and profiling activities.

Third-Party Links and Services

Our website contains links to external websites operated by third parties, including financial institutions, government agencies, and educational resources. We are not responsible for the privacy practices, content, or security of these third-party sites. We encourage you to review their privacy policies before providing any personal information. Additionally, we may integrate third-party services such as social media plugins, embedded videos, and live chat features, which may collect information about your interactions with their services.

Children's Privacy

Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected personal information from a child without parental consent, we will take steps to delete such information promptly. Parents or guardians who believe their child has provided personal information to us should contact us immediately.

Contact Information and Data Protection Officer

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to report a privacy concern, please contact us at [email protected] or write to us at our mailing address. We have appointed a Data Protection Officer to oversee our privacy practices and ensure compliance with applicable privacy laws. We will respond to your inquiries within 30 days as required by Canadian privacy legislation.

Policy Changes and Updates

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes, we will notify you by posting the updated policy on this page with a new revision date and may also notify you via email if you have provided us with your email address. We encourage you to review this policy periodically. Your continued use of our website after any changes constitutes acceptance of the updated policy.