Cookie
Policy
Jurisdiction
Quebec City, Canada
Last updated: 2024
Legal Disclaimer
This Cookie Policy is a standard template for Linen Ledger and does not constitute formal legal advice. In compliance with Quebec's Law 25 (formerly Bill 64), we ensure transparency regarding data collection for our RESP educational saving services.
1. Introduction
Linen Ledger (referred to as "we", "us", or "our") uses cookies and similar tracking technologies on our website to enhance your experience as you explore educational savings options (RESP). This policy explains what these technologies are and why we use them, as well as your rights to control our use of them.
In the province of Quebec, the protection of personal information is governed by the Act respecting the protection of personal information in the private sector (amended by Law 25). Our use of cookies is designed to respect the privacy principles of transparency and informed consent mandated by Quebec City and federal Canadian authorities.
2. What are Cookies?
Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information.
Cookies set by the website owner (in this case, Linen Ledger) are called "first-party cookies". Cookies set by parties other than the website owner are called "third-party cookies". Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., advertising, interactive content, and analytics).
3. Categories of Cookies We Use
3.1 Strictly Necessary Cookies
These cookies are essential for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in, or filling in forms related to RESP calculations.
- Purpose: Security, network management, and accessibility.
- Duration: Session to 1 year.
- Consent: Not required under Law 25 for strictly functional purposes.
3.2 Performance and Analytics Cookies
These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us know which pages are the most and least popular and see how visitors move around the site.
- Examples: Google Analytics.
- Data Collected: Anonymized IP addresses, page views, time spent on RESP guides.
- Duration: 24 hours to 2 years.
3.3 Marketing and Targeting Cookies
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites, specifically regarding educational grants and financial planning.
- Purpose: Personalized advertising and retargeting.
- Duration: Usually 30 to 90 days.
- Consent: Explicit opt-in required.
4. Legal Basis for Processing
Under Quebec's Law 25 and the federal PIPEDA (Personal Information Protection and Electronic Documents Act), we process cookies based on:
- Consent: For non-essential cookies (analytics and marketing), we obtain your clear and proactive consent via our cookie banner upon your first visit.
- Contractual Necessity: For cookies that ensure the basic functionality of your account and RESP registrations.
- Legitimate Interest: To maintain the security and integrity of our digital educational platform.
5. How to Manage Your Preferences
You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager.
Additionally, most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org or www.allaboutcookies.org.
6. Third-Party Cookies
In addition to our own cookies, we may also use various third-parties cookies to report usage statistics of the Service, deliver advertisements on and through the Service, and so on. These third parties (such as Meta or Google) have their own privacy policies and may use cookies to collect information about your activities across different websites.
7. Updates to This Policy
We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.
8. Contact Information
If you have any questions about our use of cookies or other technologies, please contact our Privacy Officer in Quebec City at:
Linen Ledger Privacy Office
1015 Boulevard René-Lévesque Ouest, Quebec City
Email: Phone: +1 (514) 146-8850