Privacy Policy

Last updated: July 9, 2026

This Privacy Policy describes how RRSPwise collects and uses your personal information. We are committed to protecting your privacy and handling your data responsibly. This policy explains what information we collect, how we use it, your rights, and how to contact us with any questions or concerns.

Who We Are

We operate as the data controller for information collected through our website and services. Our organization is responsible for ensuring that your personal data is processed fairly, transparently, and in accordance with applicable privacy laws in Canada. We take our responsibility seriously and maintain appropriate safeguards to protect your information from unauthorized access, disclosure, or misuse.

Information We Collect

We collect information through several methods to provide and improve our services. When you contact us through our website forms, we collect your name, email address, phone number, and any message content you provide. We also automatically collect technical information such as your IP address, browser type, device information, and pages visited through server logs and analytics tools. Additionally, we use cookies and similar tracking technologies to enhance your browsing experience and understand how you interact with our content.

Legal Basis for Processing

We process your personal information based on several legal grounds. We rely on your explicit consent when you submit contact forms or request information from us. We also process data based on our legitimate interests in providing effective services, improving our website functionality, and communicating with you about your inquiries. Some processing may be necessary to comply with legal obligations under Canadian privacy and securities laws. We never process more data than necessary for these stated purposes.

How We Use Your Information

Your information is used to respond to your inquiries, provide customer support, and deliver the services you request. We analyze usage data to improve our website's functionality, user experience, and content relevance. Your data helps us personalize information relevant to your interests in registered accounts and savings strategies. We may also use your information to send you important updates about policy changes or service improvements. We do not sell your information to third parties and only share data with service providers who help us operate our website under strict confidentiality agreements.

Data Retention

We retain personal information for specific periods based on the type of data and its purpose. Contact form submissions and customer inquiry records are retained for up to 24 months following your last interaction with us. Analytics and cookie data is stored for up to 14 months to help us understand user behavior patterns. Server logs containing technical information are retained for up to 12 months for security and performance monitoring purposes. Once retention periods expire, we securely delete or anonymize your information. You can request deletion of your personal data at any time, subject to legal obligations that may require us to retain certain information.

Your Rights

You have important rights regarding your personal information. You can request access to any personal data we hold about you, request correction of inaccurate information, and request deletion of your data subject to legal requirements. You have the right to withdraw consent at any time if we're processing your information based on consent. You may object to certain types of processing, such as marketing communications or analytics. You also have the right to data portability, meaning you can request your information in a structured, portable format. To exercise any of these rights, please contact us using the information provided below. We will respond to requests within 30 days.

Cookies and Tracking

We use cookies to improve your browsing experience and understand how visitors interact with our website. Cookies are small text files stored on your device that help us remember your preferences and track website performance. We use both session cookies that expire when you close your browser and persistent cookies that remain on your device. You can control cookie settings through your browser preferences and opt out of non-essential tracking. Some cookies are necessary for website functionality, while others help us analyze usage patterns. We do not use cookies to track you across other websites. Detailed information about our cookie usage is available in our Cookie Policy.

Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. Our security measures include encryption of data in transit, secure server infrastructure, and limited access to personal information. Our employees are trained in data protection practices and bound by confidentiality agreements. While we strive to protect your information, no method of transmission or storage is completely secure. We continuously review and update our security practices to maintain protection against emerging threats and vulnerabilities.

Children's Privacy

Our website and services are not directed to children under 13 years of age, and we do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 13, we will take immediate steps to delete such information. Parents or guardians who believe their child's information has been collected should contact us immediately. Our content is designed for adult users interested in registered account strategies and financial planning information relevant to Canadian savers.

Policy Updates

We may update this Privacy Policy periodically to reflect changes in our practices, technology, legal requirements, or other factors. When we make material changes, we will notify you by updating the "Last updated" date at the top of this policy. Continued use of our website following posted changes constitutes your acceptance of the updated policy. We encourage you to review this policy regularly to stay informed about how we protect your information. Your rights and our obligations under this policy remain in effect during any updates.

Third-Party Links

Our website may contain links to external websites and resources that are not operated by us. We are not responsible for the privacy practices or content of third-party websites. We encourage you to review the privacy policies of any external sites before providing your personal information. This Privacy Policy applies only to information collected through our website and services. Any links to other websites are provided for convenience and do not constitute an endorsement of their practices or policies.