Privacy Policy | RetireMint

RetireMint (“RetireMint”, “we”, “us” or “our”) is operated by 10,000 Days Inc., an Ontario corporation. We value you as a visitor and customer and recognize that privacy is important to you. This Privacy Statement explains how we collect, use, and disclose personal information when you visit retiremint.ca and its related pages (the “Site”), contact us or request information about our products and services, and, if you are an existing user, when you use the RetireMint direct-to-consumer retirement planning platform (the “Legacy Platform”). It also tells you how to contact us.

Scope of this Privacy Statement

This Privacy Statement applies to personal information we collect through the Site, through our marketing and sales communications, and through the Legacy Platform.

This Privacy Statement does not apply to personal information that we process on behalf of pension providers, employers, financial advisors, or other organizations that license the RetireMint platform for their members, employees, or clients (each, a “Client”). In those cases, we act as a service provider to the Client, and the Client’s own privacy notice and our agreement with the Client govern how that information is handled. If you access RetireMint through a Client, please refer to that Client’s privacy notice or contact the Client directly.

Privacy Statement Summary

This is a summary of our Privacy Statement. To review our Privacy Statement in full, please scroll down.

What does this Privacy Statement cover?

This Privacy Statement is designed to describe:

How and what type of personal information we collect and use
When and with whom we share your personal information
What choices you can make about how we collect, use, and share your personal information

What personal information do we collect and use, and how do we collect it?

We collect personal information when:

You give us the information
We collect it automatically
We receive it from others

When you request a demo, complete a contact or inquiry form, sign up to receive newsletters or information, register for an event or webinar, or otherwise communicate with us through the Site, you give us your personal information. If you are an existing Legacy Platform user, you also give us personal information when you use your account, including the information you voluntarily provide in your retirement assessment. We also collect information through automated technology such as cookies placed on your browser when you visit our Site. We may receive information from business partners and other third-parties, which helps us improve our Site and services, update and maintain accurate records, potentially detect and investigate fraud, and more effectively market our services.

How is your personal information shared?

Your personal information may be shared with service providers who help us operate the Site and our business, with business partners where you have asked us to or consented to it, and where required or permitted by law. For Legacy Platform users, personal information may also be shared with a retirement service provider that you choose to book or communicate with through the Legacy Platform. We do not sell your personal information.

What are your rights and choices?

You can exercise your data protection rights in various ways. For example, you can opt out of marketing by clicking the “unsubscribe” link in our emails, in your account as applicable, or by contacting us. Our Privacy Statement has more information about the options and data protection rights available to you.

How to contact us

For any questions regarding our privacy practices, please contact our Privacy Officer at ryan@retiremint.ca with your specific questions and/or concerns.

Categories of Personal Information We Collect

When you visit our Site, contact us, or request information about our products and services, we may collect the following kinds of personal information from you only as needed:

Name, email address, and telephone number
Business information, such as your organization’s name, your job title or role, the size or type of your organization or plan, and your business address
The content of your inquiry, demo request, or other communications with us (such as emails, form submissions, and notes or recordings of calls or meetings, where you have been informed in advance)
Event, webinar, and newsletter registration details and your communication preferences
Information you choose to provide in testimonials, surveys, or feedback
Social media account ID and other publicly available professional information (such as information on a professional networking profile) where you interact with us through those services

If you are an existing Legacy Platform user, we may also collect and hold the following kinds of personal information from you only as needed:

Your account information, including your name, email address, telephone number, and home, business, and billing addresses
The information you voluntarily provide in your retirement assessment, as further described in the “Legacy Platform Users and Your Retirement Assessment” section below
Payment information, such as payment card details and billing address, where you make a booking or purchase through the Legacy Platform (payment card details are processed by our third-party payment processor and are not stored by RetireMint)
Birth date and gender
Images, videos, and other recordings - only those wilfully uploaded to the Legacy Platform
Communications with us (such as recordings of calls with customer service representatives for quality assurance and training purposes, where you have been informed in advance)
Searches you conduct, bookings, transactions, and other interactions with you on the Legacy Platform and our apps
Other communications that occur through the Legacy Platform among retirement service providers and users, and in-group chat and planning tools
Data you give us about other people, such as your planning partners or others for whom you are making a booking. You should only provide this information if you have that person’s permission to do so

When you visit our Site, install any of our apps, or use the Legacy Platform, we automatically collect the following types of information from your device:

IP address
Device type
Unique device identification numbers
Internet browser-type (such as Firefox, Safari, Chrome, and Edge)
Internet Service Provider
Operating System
Mobile carrier
How your device has interacted with our online services, including the pages accessed, links clicked, content viewed, and features used, along with associated dates and times
Details of any referring website or exit pages, as well as general geographic location (such as at the country or city-level)

Location Information:

We do not collect or have access to the precise location of your device. We may infer your general location (such as your country, province, or city) from your IP address or cookies, and we may use a location you choose to enter, such as a city or postal code, to show you relevant content or, for Legacy Platform users, nearby retirement service providers.

Legacy Platform Users and Your Retirement Assessment

The RetireMint direct-to-consumer platform remains available to existing users. If you are an existing Legacy Platform user, this section explains how we use the information you voluntarily provide in your retirement assessment.

Completing your retirement assessment is voluntary. The information you choose to provide may include your age and birth date, retirement timeline and goals, household and planning-partner details, financial information (such as income, savings, pensions, investments, assets, and debts), and lifestyle, wellness, and activity preferences. Because some of this information, particularly financial information and any wellness or health-related information you choose to share, may be sensitive, we only collect and use it with your express consent, which you give when you complete the assessment.

Lifestyle and wellness preferences you choose to share are used only to tailor the content and resources shown to you, and not to assess, diagnose, monitor, or treat any health or medical condition.

We use the information in your retirement assessment to:

Generate your personalized retirement plan, content, and suggestions
Save your progress, maintain your planning history, and allow you to update your assessment over time
Suggest retirement service providers, resources, and content that may be relevant to you
Where you choose to book or connect with a retirement service provider, share the parts of your assessment that are relevant to that booking, with your consent
Create aggregated, de-identified, or anonymized information to improve our tools and services and to understand retirement planning trends

We do not sell your retirement assessment information, we do not use it to market to you through the Site, and we do not share it with any Client or other third-party for their own purposes without your consent. You may review, update, or delete your assessment information at any time by logging into your account or by contacting our Privacy Officer. If you decline to provide certain information, some features of the Legacy Platform may not be available to you or your results may be less accurate.

No Professional Advice

Your retirement plan, assessment results, and any content, suggestions, or resources provided through the Site or the Legacy Platform are for general informational and educational purposes only. They are not, and should not be relied upon as, financial, investment, tax, accounting, legal, estate planning, insurance, pension, or actuarial advice, or medical, health, mental health, wellness, nutrition, fitness, or other healthcare advice. They do not create an advisor-client, practitioner-patient, or other professional relationship between you and RetireMint, and RetireMint does not provide regulated financial, legal, tax, or health services.

Any figures, examples, illustrations, or estimates that may appear in our content or in your plan are general in nature, are based on the information you provide and on assumptions that may not reflect your circumstances, and are not a guarantee or prediction of any outcome. Always consult a qualified professional, such as a licensed financial advisor, lawyer, accountant, insurance professional, physician, or other regulated health professional, before making decisions about your finances, estate, taxes, insurance, health, or wellness. Never disregard or delay seeking professional medical advice because of something you read on the Site or the Legacy Platform. If you think you may have a medical emergency, call 911 or your local emergency number immediately.

Use of Personal Information

We use your personal information for various purposes described below.

Your Use of the Site, the Legacy Platform, and Our Services:

Respond to your demo requests, inquiries, and requests for proposals or information about our products and services
Operate, maintain, and secure the Site
For Legacy Platform users, create, maintain, and update your account and authenticate you as a user
For Legacy Platform users, provide your retirement assessment results and planning content as described above
For Legacy Platform users, book the requested retirement service or product order and provide services related to the booking and/or account, where available
For Legacy Platform users, maintain your search and booking history, retirement and planning preferences, and similar information about your use of RetireMint, and as otherwise described in this Privacy Statement
Enable and facilitate acceptance and processing of payments and other transactions
Collect and enable booking-related reviews
Help you to use our services faster and easier through features like the ability to sign-in using your account within the online services

Communications and Marketing:

Respond to your questions, requests for information, and process information choices
For Legacy Platform users, enable communication between you and the retirement service providers
Contact you (such as by email, phone calls, text message, mail, push notifications, or messages on other communication platforms) to provide information like meeting or demo confirmations and updates, for marketing purposes where you have consented or where otherwise permitted by Canada’s Anti-Spam Legislation, or for other purposes as described in this Privacy Statement
Market our products and services, optimize such marketing to be more relevant to you, and measure and analyze the effectiveness of our marketing and promotions
Administer events, webinars, promotions, contests, and similar giveaways

Other Business Purposes and Compliance

Conduct surveys, market research, and data analytics
Maintain, improve, research, and measure the effectiveness of our Site and apps, activities, tools, and services
Monitor or record calls, chats, and other communications with our team and other representatives, as well as Legacy Platform communications between or among retirement service providers and users, for quality control, training, dispute resolution, and as described in this Privacy Statement, where you have been informed in advance
Create aggregated or otherwise anonymized or de-identified data, which we may use and disclose without restriction where permissible
Promote security, verify identity, prevent and investigate fraud and unauthorized activities, defend against claims and other liabilities, and manage other risks
Comply with applicable laws, protect our and our users’ rights and interests, defend ourselves, and respond to law enforcement, other legal authorities, and requests that are part of a legal process
Operate our business using lawful business purposes and as permitted by law

Consent and lawful bases for processing:

We collect, use, and disclose your personal information with your consent, or as otherwise permitted or required by applicable law. Depending on the sensitivity of the information and your reasonable expectations, your consent may be express (for example, when you complete your retirement assessment or subscribe to our newsletter) or implied (for example, when you submit an inquiry and we use your contact information to respond to it). We limit the personal information we collect to what is necessary for the purposes we have identified, and we will only use your personal information for the purposes for which it was collected, unless we obtain your consent for a new purpose or a new purpose is permitted or required by law.

Where the laws of your country or region require a specific legal basis for processing, we will process your personal information only (i) where the personal information is necessary to perform a contract with you or take steps at your request before entering into a contract (e.g., respond to a demo request, manage your Legacy Platform account, or process payments), (ii) where the processing is in our legitimate interests and not overridden by your rights, or (iii) where we have your consent to do so (e.g., sending you marketing communications where consent is required). In some cases, we will have a legal obligation to collect personal information from you, such as where it is necessary to use your transaction history to complete our financial and tax obligations under the law.

If we ask you to provide personal information to comply with a legal requirement or to perform a contract with you, we will make this clear at the relevant time and advise you whether the provision of your personal information is mandatory or not (as well as of the possible consequences if you do not provide your personal information).

Where we rely on legitimate interests, this interest will typically be to operate or improve our Site and services and communicate with you as necessary to provide our services to you, for security verification purposes when you contact us, to respond to your queries, to undertake marketing, or for the purposes of potentially detecting or preventing illegal activities.

We do not make decisions about you on the Site based exclusively on automated processing. On the Legacy Platform, we may in some cases use automated tools, for example, in relation to assessing fraudulent transactions or suspicious activity. If a decision about you is made based exclusively on automated processing, we will inform you at the time or as required by law, and you may request information about the personal information and the principal factors used to make the decision, request that the information be corrected, and submit observations to a member of our staff who can review the decision.

Sharing of Personal Information

We share your personal information as described below and in this Privacy Statement, and as permitted by applicable law. We do not sell your personal information.

Third-party service providers. We share personal information with third-parties in connection with the operation of the Site, the delivery of services to you, and the operation of our business (for example, website hosting, customer relationship management, email and marketing platforms, scheduling tools, payment processing, customer service, business analytics, fraud prevention and compliance services, and to serve you with advertising tailored to your interests). These third-party service providers are required by contract to protect personal information we share with them and may not use any directly identifying personal information other than to provide services we contracted them for. They are not allowed to use the personal information we share for purposes of their own direct marketing (unless you have separately consented with the third-party under the terms provided by the third-party).
Retirement service providers (Legacy Platform only). If you are a Legacy Platform user, we share personal information with retirement-related suppliers that you choose to book or communicate with, such as financial advisors, estate planners, coaches or psychology specialists, insurance, activity and fitness coaches, and where available, activity providers or other partners who fulfill your booking. Please note that retirement service suppliers may contact you to obtain additional information if and as required to facilitate your booking or to otherwise provide the planning or associated services. Retirement service providers are independent of RetireMint, and RetireMint does not provide, supervise, or endorse any financial, legal, tax, insurance, health, wellness, or other professional advice they may give you.
Business partners and offers. If we promote a program, event, or offer a service or product in conjunction with a third-party business partner, we will share your information with that partner, with your consent where required, to assist in marketing or to provide the associated product or service. In most of those cases, the program or offer will include the name of the third-party business partner, either alone or with ours, or you will be redirected to the website of that business with notice.
Other Third-Parties. When you access certain features like social media buttons, embedded content, or a single sign-on that allows you to login with your Google or other account credentials, you will share information with the third-party, such as the fact that you have visited or interacted with us. The third-party provider may combine this information with other information they have about you. The personal information shared will be governed by the third-party provider’s privacy policy (including any personal information we may access via the third-party provider). The third-party providers should inform you about how you can modify your privacy settings on their site.
Legal rights and obligations. We may disclose your personal information to enforce our policies, or where we are permitted (or believe in good faith that we are required) to do so by applicable law, such as in response to a request by a law enforcement or governmental authority, in connection with actual or proposed litigation, or to protect and defend our property, people and other rights or interests. We may also share your personal information pursuant to a subpoena or other legal request, or as necessary to remit certain taxes in the course of processing payments as required by law or legal process.
Corporate. We may share your personal information in connection with an actual or prospective corporate transaction, such as a financing, divestiture, merger, consolidation, assignment or asset sale, or in the unlikely event of bankruptcy. In the case of any such transaction, we will require the other party to use your personal information only for the purposes disclosed in this Privacy Statement and to protect it with appropriate safeguards.

Storage and Transfer of Personal Information Outside of Your Province or Canada

Some of our service providers, including providers of hosting, analytics, and communication tools, may store or process personal information outside of your province or territory or outside of Canada, including in the United States. Before transferring personal information outside of Quebec or Canada, we assess, where required by law, whether it will receive adequate protection, and we take reasonable steps, including contractual measures, to ensure that it receives a level of protection comparable to that required in Canada. Personal information stored or processed outside of Canada may be subject to the laws of that jurisdiction and may be accessible to the courts, law enforcement, and national security authorities of that jurisdiction.

Data Collection and Sharing with Third-Party Tools

Data Shared with Third-Party Tools

At RetireMint, we utilize third-party tools, such as those provided by Google API Services, to enhance your experience on the Legacy Platform. Any use of such services, such as Google Auth Login or Google Calendar, uses direct use of Google API services. RetireMint does not sell, or transfer to third-parties, any user data received from Google APIs, except as necessary to provide or improve user-facing features, to comply with applicable law, or as part of a merger, acquisition, or sale of assets with notice to users.

RetireMint’s use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements.

User Consent for Data Sharing

We prioritize your privacy and are committed to ensuring that you have control over your data. Any agreement to utilize third-party tools, such as the Google Calendar API, requires your explicit consent and confirmation, and you may revoke that access at any time through your Google account settings.

Ensuring Privacy Compliance

RetireMint adheres to Google’s privacy compliance requirements. We continuously review our data practices to uphold the highest standards of privacy protection.

Your Rights and Choices

You have certain rights and choices with respect to your personal information, as described below:

You may request access to the personal information we hold about you, and information about how it has been used and disclosed
You can update or correct the accuracy of your information at any time by contacting us or, if you are a Legacy Platform user, by logging into your account
If you no longer wish to receive marketing and promotional emails, you may unsubscribe by clicking the ‘unsubscribe’ link in the email or by contacting us. Legacy Platform users can also log into their account to change communication settings. Please note that if you choose to unsubscribe from or opt out of marketing emails, we may still send you important transactional and account-related messages from which you will not be able to unsubscribe
You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice, by contacting us. Withdrawing your consent will not affect the lawfulness of any processing that occurred before you withdrew consent and it will not affect our processing of your personal information that is conducted in reliance on a legal basis other than consent. If you withdraw your consent, we may not be able to provide you with certain services

Depending on where you live, including in Quebec, you may have additional rights relating to your personal information. These may include the ability to:

Request a copy of your personal information, including, where applicable, in a structured, commonly used technological format, and to have it transferred to another organization
Request information about the purpose of the processing activities
Request that we delete your personal information, subject to legal retention requirements
Object to our use or disclosure of your personal information
Restrict the processing of your personal information
Request that we cease disseminating your personal information or de-index any hyperlink attached to your name that provides access to your personal information, where permitted by law
Request information about any decision made about you based exclusively on automated processing and the principal factors that led to the decision

You may submit your request to us using the information in the Contact Us section. We may need to verify your identity before responding to your request. We will respond to requests within thirty (30) days, or within any other time period required by applicable law, and will let you know if we need more time or are unable to fulfill your request and why.

If you have a concern or complaint about how we handle your personal information, please contact our Privacy Officer. We will investigate every complaint, respond to you, and, if a complaint is found to be justified, take appropriate measures, including amending our policies and practices where necessary.

In addition to the above rights, you have the right to complain to a privacy regulator, such as the Office of the Privacy Commissioner of Canada or, for residents of Quebec, the Commission d’accès à l’information du Québec, about our collection and use of your personal information. However, we encourage you to contact us first so we can do our best to resolve your concern.

Children

The Site and the Legacy Platform are intended for adults and are not directed to individuals under the age of majority in their province or territory of residence. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will take steps to delete it.

Security

We want you to feel confident about using our Site and all associated tools and services, and we are committed to taking appropriate steps to protect the information we collect. While no company can guarantee absolute security, we take reasonable steps to implement appropriate physical, technical, and organizational safeguards, appropriate to the sensitivity of the information, to protect the personal information that we collect and process against loss, theft, and unauthorized access, use, disclosure, copying, or modification. Access to personal information is limited to those employees and service providers who need it to perform their duties.

If a privacy breach involving your personal information creates a real risk of significant harm to you, or a risk of serious injury as defined by applicable law, we will notify you and the applicable privacy regulators as required by law.

Record Retention

We will retain your personal information in accordance with all applicable laws, for as long as it may be relevant to fulfill the purposes set forth in this Privacy Statement, unless a longer retention period is required or permitted by law. When personal information is no longer required, we will securely destroy it, or deidentify, aggregate, or otherwise anonymize it. We will deidentify, aggregate, or otherwise anonymize your personal information if we intend to use it for analytical purposes or trend analysis over longer periods of time.

The criteria we use to determine our retention periods include:

The duration of our relationship with you, including any open inquiry or sales discussions, any open Legacy Platform account you may have with RetireMint, or recent bookings or other transactions you have made on the Legacy Platform
Whether we have a legal obligation related to your personal information, such as laws requiring us to keep records of your transactions with us
Whether there are any current and relevant legal obligations affecting how long we will keep your personal information, including contractual obligations, litigation holds, statutes of limitations, and regulatory investigations

If you close your Legacy Platform account, we will delete or anonymize your retirement assessment and account information within a reasonable period, except where we are required or permitted by law to keep it.

Cookie Statement

Types of cookies and similar technologies

Cookies

Cookies are small pieces of text sent as files to your computer or mobile device when you visit most websites. Cookies may be delivered by us (first party cookies) or delivered by a third-party partner or supplier (third-party cookies). Cookies are either session cookies or persistent cookies. Session cookies enable sites to recognize and link the actions of a user during a browsing session and expire at the end of each session. Persistent cookies help us recognize you as an existing user and these cookies are stored on your system or device until they expire, although you can delete them before the expiration date.

Other similar technologies

Web beacons, gifs, and clear gifs are tiny graphics, each with a unique identifier that are embedded invisibly on sites and in emails. Web beacons allow us to know if a certain page was visited or if ad banners on our sites and other sites are effective. We also use web beacons in our HTML-based emails to let us know whether our emails have been opened by recipients, which helps us to gauge the effectiveness of certain communications, promotions, and marketing campaigns.
Pixels are small objects embedded into a web page that are not visible to the user. We use pixels to deliver cookies to your computer, facilitate the log-in process, monitor the activity on our sites, and deliver online advertising.
Tags are small pieces of HTML code that tell your browser to request certain content generated by an ad server. We use tags to show you relevant advertising and promotions.
Scripts are pieces of JavaScript code that launch automatically when certain webpages load, to determine whether users view associated advertisements.
Local Storage Objects, such as HTML 5, are used to store content and preferences. Third-parties with whom we partner to provide certain features on our site to display advertising based upon your web browsing activity use Local Storage Objects to collect and store information.

All of the technologies described above will be collectively referred to in this Cookie Statement as “cookies”.

Use of cookies

We use cookies for a number of reasons, including to:

Help us improve your experience when visiting our sites
Ensure our sites perform as intended and, for Legacy Platform users, fulfill transactions
Remember your preferences, such as language and region
Provide you with relevant advertising and analyze performance of the ads
Identify errors on our sites
Help with data protection and potentially detect and investigate malicious or fraudulent activity
Help us understand traffic to our site, including time and date of the visit, time and date of the last visit, and other information
Analyze how well our sites are performing

The types of information that we collect through cookies include:

IP address
Device ID
Viewed pages
Browser type
Browsing information
Operating system
Internet Service Provider
Whether you have responded to, or interacted with, an advertisement
Referring or referred links or URLs
Features used and activities engaged in on our sites and in our apps

Your consent to cookies

By continuing to use our Site, you consent to our use of cookies as described in this Cookie Statement. We use cookies only for the purposes described in this Cookie Statement, and we do not use cookies to collect the precise location of your device.

Types and functions of cookies

Essential Cookies

Certain cookies are required or “essential” for our sites to function as intended. Essential cookies are necessary for you to navigate our site and use certain features like submitting forms and, for Legacy Platform users, logging in to your account and managing your bookings. These cookies are also used to remember security settings that allow access to particular content.

Other Types of Cookies

We also use other types of cookies to make our site engaging and useful to you:

Functional Cookies. We want to make sure when you visit our site, your preferences (such as your preferred language), settings, and previous searches are remembered.
Analytics Cookies. We use analytics cookies to:
- Understand our site’s performance and how it is used, including the number of visitors, how long you stay on the site, and which parts of the site you visit. We can see details about how visitors interacted with the site, like the number of clicks visitors made on a given page, their mouse movements and scrolling activity, and the search words visitors used. We take steps to prevent the recording of information you type into forms by these tools
- Test different designs and features for our site
- Monitor how our visitors reach our sites
- Determine effectiveness of our advertising
- Improve our services, including your experience on our site

For analytics, our third-party service providers may use cookies to perform their services and may combine the information that they collect about you on our sites with other information that they have collected. For example, we use Google Analytics cookies to monitor the performance of our sites. Our ability to use and share information collected by Google Analytics about your visit to our sites is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. This Cookie Statement does not cover such third-parties’ use of your information.

Advertising Cookies. RetireMint and our third-party advertising partners (such as Google, LinkedIn, and Meta) may use advertising cookies to show you advertisements both on and off our sites that are based on your interests and to measure the effectiveness of our advertising campaigns. We may allow third-parties to collect information about your online activities through cookies to perform their services and may combine the information that they collect about you on our sites with other information that they have collected. These third-parties include business partners who collect information when you view or interact with one of their advertisements on our sites or our advertising on their sites, and advertising networks, which collect information about your interests when you view or interact with one of the advertisements or tracking mechanisms they place on many different sites on the Internet. Our partners may make assumptions about your interests, characteristics, or preferences and add you to groups based on those assumptions in order to show you tailored advertisements. RetireMint does not have access to the cookies these third-parties may use to collect information about your interests, and the information practices of these third-parties are not covered by this Cookie Statement or our Privacy Statement. Some of these companies are members of the Digital Advertising Alliance of Canada or the Network Advertising Initiative, which provide information about ad targeting by member companies.

Your information choices

Third-party advertising networks and industry associations provide information about tailored online advertising, and how it can be limited, through the following resources:

For Canada: https://youradchoices.ca/en/tools
For U.S. and rest of world:
- https://www.aboutads.info/choices/
- https://optout.networkadvertising.org/

If you limit tailored advertising through these resources, you will still see online advertisements, but they will be general and less relevant to you.

How can you manage your cookies?

Most web browsers allow you to view and delete cookies stored on your device through their settings. Please remember that cookies are used to make our Site work as intended, and if cookies are deleted or blocked, your access to some of the functionality and areas of our site may be restricted.

Links to Other Websites

Our Site may contain links to websites, applications, or services operated by third-parties, including our Clients and partners. We are not responsible for the privacy practices of those third-parties, and we encourage you to review their privacy policies before providing them with any personal information.

Updates to Privacy Statement

We may update this Privacy Statement in response to changing laws or technical or business developments. You can see when this Privacy Statement was last updated by checking the “last updated” date displayed at the top of this Statement. If we make material changes, we will take reasonable steps to notify you, such as by posting a notice on the Site or, for Legacy Platform users, by email or through the Legacy Platform, and we will obtain your consent where required by law.

Contact Us

We have designated a Privacy Officer who is responsible for our compliance with this Privacy Statement and applicable privacy laws. We maintain policies and practices governing the personal information we hold, including the roles and responsibilities of our personnel, the retention and destruction of personal information, and the handling of privacy requests and complaints. If you have any questions or concerns about our use of your personal information, or wish to exercise any of your rights, please contact our Privacy Officer by emailing ryan@retiremint.ca.

Privacy Statement and Cookie Statement