Your privacy is important to us
Last Updated: January 1, 2025
Welcome to GIC Rates Canada ("we," "our," or "us"). This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website gicratescanada.com (the "Site") and use our services. We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner in accordance with Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
By accessing or using our Site, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy. If you do not agree with the terms of this Privacy Policy, please do not access or use the Site.
We collect personal information that you voluntarily provide to us when you:
The types of personal information we may collect include:
When you visit our Site, certain information is automatically collected about your device and your interaction with our Site, including:
We may receive information about you from third-party sources, including:
We use the information we collect for various legitimate business purposes, including:
Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and improve your browsing experience. We use both session cookies (which expire when you close your browser) and persistent cookies (which remain on your device until deleted or expire).
Most web browsers automatically accept cookies, but you can modify your browser settings to decline cookies if you prefer. However, disabling cookies may affect your ability to use certain features of our Site. You can manage cookie preferences through your browser settings or by using cookie management tools provided on our Site.
We do not sell your personal information to third parties. However, we may share your information in the following circumstances:
When you request information about GIC rates or express interest in investment products, we may share your information with banks, credit unions, and other financial institutions that can provide you with relevant offers and services. These institutions are bound by their own privacy policies and applicable financial regulations.
We engage third-party service providers to perform functions on our behalf, including:
These service providers have access to your personal information only to perform specific tasks on our behalf and are obligated to protect your information and use it only for the purposes for which it was disclosed.
If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will provide notice before your personal information is transferred and becomes subject to a different privacy policy.
We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas, government agencies). We may also disclose information when we believe it is necessary to:
We may share your information with third parties when you have given us explicit consent to do so.
We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security, and you provide information at your own risk.
We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The retention period depends on the nature of the information and the purposes for which it is processed.
Generally, we retain:
When your personal information is no longer needed, we will securely delete or anonymize it in accordance with our data retention and destruction policies.
Under Canadian privacy legislation, you have certain rights regarding your personal information:
You have the right to request access to the personal information we hold about you. We will provide you with a copy of your information in a commonly used format.
You have the right to request correction of inaccurate or incomplete personal information. We will make reasonable efforts to correct the information promptly.
You may request deletion of your personal information, subject to certain exceptions where we are required or permitted by law to retain information.
Where we rely on your consent to process personal information, you have the right to withdraw that consent at any time. This will not affect the lawfulness of processing based on consent before its withdrawal.
You can opt-out of receiving marketing communications by clicking the "unsubscribe" link in our emails or by contacting us directly. Even after opting out, we may still send you non-promotional communications related to your inquiries or our services.
If you believe we have not handled your personal information in accordance with applicable privacy laws, you have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada or your provincial privacy commissioner.
To exercise your rights, please contact us using the information provided in Section 13.
Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe that your child has provided us with personal information, please contact us immediately. If we become aware that we have collected personal information from a child under 18 without verification of parental consent, we will take steps to remove that information from our servers.
Our Site may contain links to third-party websites, applications, or services that are not operated by us. This Privacy Policy does not apply to third-party websites or services. We are not responsible for the privacy practices or content of third parties. We encourage you to review the privacy policies of any third-party sites or services before providing them with your personal information.
Your personal information may be transferred to and processed in countries other than Canada, including the United States, where our servers or service providers are located. These countries may have data protection laws that differ from Canadian laws. When we transfer your information internationally, we implement appropriate safeguards to ensure your information receives an adequate level of protection, including:
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors. When we make changes, we will update the "Last Updated" date at the top of this Privacy Policy. If we make material changes, we will provide notice through our Site or by other means, such as email, before the changes become effective.
We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information. Your continued use of our Site after the effective date of the revised Privacy Policy constitutes your acceptance of the changes.
If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:
GIC Rates Canada
Email: privacy@gicratescanada.com
We will respond to your inquiry within 30 days or as required by applicable privacy legislation.
By using our Site, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our Site or provide us with your personal information.