Privacy Policy
Last Updated: 2024
1. Data Controller and Operator
Yardnotesco, operating in the jurisdiction of Montreal, Quebec, acts as the primary Data Controller for the information collected through our digital platforms focusing on Canadian banking literacy. We are committed to protecting the privacy and security of our users' personal information.
As the Controller, Yardnotesco determines the "why" and "how" of personal data processing, ensuring that all activities align with the highest standards of transparency and accountability required in the financial education sector.
2. Applicable Law
Since our operations are centered in Montreal, Quebec, Canada, this Privacy Policy is governed by and drafted in accordance with:
- Quebec Law 25 (formerly Bill 64) - An Act to modernize legislative provisions as regards the protection of personal information.
- PIPEDA - The federal Personal Information Protection and Electronic Documents Act.
- EU GDPR - To the extent that we offer services to individuals located in the European Economic Area (EEA), we adhere to Regulation (EU) 2016/679.
3. Personal Data We Collect
We collect information that identifies, relates to, or could reasonably be linked to you. This includes:
Direct Information
- Identity Data: Name, surname.
- Contact Data: Email address, phone number.
- Form Data: Information provided when inquiring about banking guides or tax compliance.
Automated Data
- Technical Data: IP address, browser type, device identifiers.
- Usage Data: Pages visited (e.g., Credit Score Engineering), time spent on site.
- Cookies: Tracking for analytics and site optimization.
4. Purposes of Processing
Yardnotesco processes your data for specific, explicit, and legitimate purposes related to providing financial literacy resources:
- To provide and maintain our Service, including monitoring the usage of our resource directory.
- To manage your requests for information regarding Montreal newcomer financial handbooks.
- For the performance of a contract, such as delivering specialized guides on Quebec tax compliance.
- To provide you with news, special offers, and general information about other goods, services, and events which we offer.
- To comply with legal obligations under Quebec and Canadian law.
5. Legal Basis for Processing
Under Law 25 and GDPR, we must have a valid legal basis to process your data:
- Consent: You have given clear consent for us to process your personal data for a specific purpose (e.g., subscribing to a newsletter).
- Contract: The processing is necessary for a contract you have with us.
- Legitimate Interests: The processing is necessary for our legitimate interests, such as improving our financial educational content, provided those interests are not overridden by your rights.
- Legal Obligation: The processing is necessary for us to comply with the law.
6. Data Retention
Yardnotesco 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 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 tax/financial laws in Quebec), resolve disputes, and enforce our legal agreements and policies.
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 our Service.
7. Third-Party Transfers
Your information, including Personal Data, may be transferred to — and maintained on — computers located outside of your province, country, or other governmental jurisdiction where the data protection laws may differ from those of Quebec.
We may share your information with:
- Service Providers to monitor and analyze the use of our Service.
- Affiliates and business partners, ensuring they adhere to this Privacy Policy.
- Law enforcement if required by an Act of Parliament or a court order.
8. Your Rights
As a resident of Quebec or a data subject under GDPR, you have the following rights:
- The Right to Access: You can request copies of your personal data.
- The Right to Rectification: You can request that we correct any information you believe is inaccurate.
- The Right to Erasure: You can request that we erase your personal data, under certain conditions.
- The Right to Data Portability: You have the right to request that we transfer the data that we have collected to another organization.
- The Right to De-indexation: Specifically under Law 25, the right to request that Yardnotesco stop disseminating your personal information or to de-index any hyperlink providing access to it.
9. Implementation and Contact
To exercise any of these rights, or if you have any questions about this Privacy Policy, please contact our Data Privacy Officer:
Contact Details:
Yardnotesco Privacy Dept.
Address: 1250 Rene-Levesque Blvd W, Montreal
Phone: +1 (789) 795-8227