Privacy Policy

1. Introduction and Data Controller

Local Woodnote ("we," "us," or "our") operates the platform dedicated to analyzing financial habits within the Canadian context, specifically focusing on the Quebec City region. We are committed to protecting the privacy and security of your personal information.

As an entity operating in Quebec, Canada, we act as the "Data Controller" or "Person in Charge of the Protection of Personal Information" as defined under the Act respecting the protection of personal information in the private sector (CQLR c P-39.1) and, where applicable, the Personal Information Protection and Electronic Documents Act (PIPEDA).

2. Information We Collect

In the course of providing our insights on credit, debt management, and asset allocation, we may collect the following categories of personal information:

• Identification Data: Name, email address, and telephone number provided via contact forms.
• Financial Profile Data: Information you voluntarily provide regarding your financial habits, RRSP/TFSA contributions, or mortgage status to receive tailored reports.
• Technical Data: IP address, browser type, time zone settings, and geolocation data (Quebec City region).
• Usage Data: Information about how you use our website, including pages visited (e.g., Credit and Debt Analysis) and link interactions.
• Cookies: Small files stored on your device to enhance user experience and analyze traffic patterns.

3. Legal Basis for Processing

Under Quebec Law 25 (formerly Bill 64), we process your data based on the following legal grounds:

• Consent: By using our forms or subscribing to our financial insights, you provide express consent for us to process your data for those specific purposes.
• Contractual Necessity: Processing is required to provide the specific services or reports you requested (e.g., Asset Allocation Reports).
• Legitimate Interest: To improve our website security, prevent fraud, and optimize our financial content for the Quebec market.
• Legal Obligation: When required to comply with Canadian federal or provincial laws.

4. Purpose of Data Collection

Local Woodnote uses your information to:

• Provide personalized analysis of financial habits that prevent wealth accumulation.
• Deliver localized content regarding Quebec City real estate and tax efficiency.
• Communicate updates regarding Canadian financial regulations (RRSP, TFSA, etc.).
• Monitor and analyze consumer behavior trends to improve our educational resources.

5. Data Retention and Security

We retain your personal information only for as long as is necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.

We have implemented robust physical, organizational, and technological security measures to protect your personal information against unauthorized access, disclosure, or destruction. Access to your data is restricted to authorized personnel of Local Woodnote who require the information to perform their duties.

6. Disclosure and Cross-Border Transfer

We do not sell your personal information. We may share data with trusted third-party service providers (e.g., hosting providers, analytics services) who assist us in operating our platform.

In accordance with Quebec Law 25, if personal information is transferred outside of Quebec (for example, to servers located in other Canadian provinces or the United States), we conduct a Privacy Impact Assessment (PIA) to ensure that the information receives an adequate level of protection.

7. Your Rights as a Data Subject

As a resident of Quebec, you have the following rights regarding your personal information:

• Right of Access: You can request a copy of the personal information we hold about you.
• Right to Rectification: You can request that we correct inaccurate or incomplete information.
• Right to Deletion: You can request the deletion of your data (subject to legal retention requirements).
• Right to Withdraw Consent: You may withdraw your consent for data processing at any time.
• Right to Portability: Request that your data be transferred to you or another service provider in a structured, commonly used format.
• Right to De-indexation: The right to request that we stop disseminating your personal information or de-index links associated with your name.

8. Cookies and Tracking

Local Woodnote uses cookies to distinguish you from other users and to remember your preferences. You can manage your cookie settings through your browser or by clicking the "Cookie Settings" link in our footer. For more details, please visit our Cookie Policy.

9. Contact Information

To exercise any of your rights, or if you have questions regarding this Privacy Policy, please contact our Privacy Officer:

10. Complaints

If you are not satisfied with our response to your privacy concerns, you have the right to lodge a complaint with the Commission d'accès à l'information du Québec or the Office of the Privacy Commissioner of Canada.