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You can visit our website without telling us who you are or revealing any information about yourself, including your email address. Our web server may collect information related to your visit to our website, including personal information: the IP address and domain used to access our website; the type and version of your browser; the time of your visit to our website; the web-site from which you entered our website, and the website to which you exit; any website page that is viewed by that IP address; and what country you are from. We use this information to monitor our website's performance (ie., number of visits, average time spent, page views) and for our business purposes such as working to continually upgrade and improve our website and its contents.
In addition, we collect personal information that may include your full name, email address, age, income information, credit score, or other information (such as your total spending in a month, the breakdown of your monthly spending, or your annual income), that you choose to submit to our Site in the following ways: email opt-in, account registration, Rate Your Wallet, the creditcardGenius Challenge and user reviews.
We collect personal information from you when you provide or post it to our Site, such as when you register and create an account, complete Rate Your Wallet, take the creditcardGenius Challenge, leave credit card reviews and comments and voluntarily supply your name and email when you sign up to our newsletter.
Where you request information or Services from us, we may use the email address that you provide to send you information about offers on products and Services that we believe may be of interest to you. If you have asked us to put you on an email mailing list to provide you with certain information on a regular basis, or if we send you information about our offers on products and Services by email, you may ask us to remove you from the list at any time (using the unsubscribe instructions provided with each email and on the site where you signed up).
When you visit the website, we place a "cookie" on the hard drive of your computer to track your visit. A cookie is a small data file that is transferred to your hard drive through your web browser that can only be read by the website that placed the cookie on your hard drive. The cookie acts as an identification card and allows our website to identify you and to record your passwords and preferences. The cookie allows us to track your visit to the website so that we can better understand your use of our website so that we can customize and tailor the website to better meet your needs.
Most web browsers are set to accept cookies. However, on most web browsers you may change this setting to have your web browser either: (1) notify you prior to a website placing a cookie on your hard drive so that you can decide whether or not to accept the cookie; or (2) automatically prevent the placing of a cookie on your hard drive. It should be noted that if cookies are not accepted, you may not be able to access a number of web pages found on the website.
Our website may contain links to other websites that may be subject to less stringent privacy standards. We cannot assume any responsibility for the privacy practices, policies or actions of the third parties that operate these websites. We are not responsible for how such third parties collect, use or disclose your personal information. You should review the privacy policies of these websites before providing them with personal information.
The personal information collected is used to provide, support and personalize the Site and our Services, and to make our Site, Services and advertising more relevant and useful to you and others.
We do not sell your personal information to any third parties. However, we do share some information with trusted third parties who assist us in operating this Site, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also disclose your personal information when we believe such release is necessary to comply with the law, enforce this Site’s policies, or protect ours or others’ rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.
We may collect, use or disclose your personal information without your knowledge or consent where we are permitted or required by applicable law or regulatory requirements to do so.
Some of the personal information we collect may be stored or processed in jurisdictions outside of Canada, including the United States. As a result, this information may be subject to access requests from government, courts, or law enforcement in those jurisdictions according to laws in those jurisdictions.
You may change or withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice, using our contact form. In some circumstances, a change in or withdrawal of consent may severely limit our ability to provide products or Services to you. All communications with respect to such withdrawal or variation of consent should be in writing.
We endeavour to maintain technical and procedural safeguards that are appropriate to the sensitivity of the personal information in question. These safeguards are designed to prevent your personal information from loss and unauthorized access, copying, use, modification or disclosure.
Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, we cannot warrant the security of any information you transmit to the Site, and you do so at your own risk. Once this Site receives your transmission or personal information, we make commercially reasonable efforts to ensure its security on our systems.
We retain the personal information that we collect only as long as necessary for the purposes for which it was collected or to meet legal requirements. We destroy your personal information that we have collected when it is no longer needed.
If you wish to change or remove your personal data, use our contact form to make a request.
In the event that we cannot provide you with access to your personal information, we will endeavour to inform you of the reasons why, subject to any legal or regulatory restrictions.