Privacy Policy

1. Introduction

Copper Porchway ("we," "us," or "our") operates as a specialized analysis firm focusing on Canadian retirement structures, including the Canada Pension Plan (CPP), Old Age Security (OAS), and private investment alternatives. We are committed to maintaining the accuracy, confidentiality, and security of your personal information.

This Privacy Policy describes how we collect, use, and disclose personal information of our clients and website visitors in Calgary and across Canada, ensuring transparency in our analytical operations.

2. Legal Framework

Our privacy practices are governed by the following legislative frameworks:

• PIPEDA: The Personal Information Protection and Electronic Documents Act (Canada).
• Alberta PIPA: The Personal Information Protection Act (Alberta), as we operate primarily within Calgary.
• CASL: Canada’s Anti-Spam Legislation regarding electronic communications.

As we provide deep-dive analysis into retirement frameworks, we adhere to the highest standards of data integrity required by Alberta provincial law.

3. Data Collection

Copper Porchway collects personal information only when it is voluntarily submitted by you or through automated technical means. This includes:

• Identifiers: Name, email address, phone number, and mailing address provided via contact forms.
• Financial Profile Data: Voluntary information regarding CPP/OAS eligibility, retirement timelines, and investment preferences used for analysis.
• Technical Data: IP addresses, browser types, cookie identifiers, and usage patterns collected through our website analytics.

4. Purposes of Processing

We process your data based on legitimate business interests and the fulfillment of requested services. Purposes include:

• Providing customized analysis of Canadian pension plans (CPP/OAS).
• Delivering insights on RRSP and TFSA structural efficiencies.
• Responding to inquiries regarding Calgary-specific seniors' support and cost-of-living adjustments.
• Improving website functionality and user experience through technical diagnostic data.
• Compliance with legal and regulatory obligations within the province of Alberta.

5. Consent Mechanics

Knowledge and consent are required for the collection, use, or disclosure of personal information, except where required or permitted by law. By engaging with the Copper Porchway platform, you provide implied consent for the collection of technical data. Explicit consent is obtained for the processing of sensitive financial profiles or marketing communications.

You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice.

6. Data Retention

Personal information is retained only as long as necessary for the fulfillment of the purposes for which it was collected. For retirement analysis, this typically spans the duration of the advisory relationship plus a statutory period required by Alberta's limitation acts for professional liability and tax compliance.

7. Third-Party Disclosure

Copper Porchway does not sell, rent, or lease its customer lists to third parties. Data may be shared with trusted service providers (e.g., cloud hosting, CRM systems) who are contractually bound to protect your information. In some cases, data may be stored on servers located outside of Alberta or Canada, making it subject to the laws of those jurisdictions.

8. Security Measures

We employ administrative, technical, and physical safeguards to protect personal information against loss, theft, and unauthorized access. This includes encryption protocols, firewalls, and restricted access to sensitive client files. However, no method of transmission over the internet is 100% secure.

9. Your Rights

Under Alberta’s PIPA and federal PIPEDA, you have the following rights:

• Access: The right to request a copy of the personal information we hold about you.
• Correction: The right to request the correction of inaccurate or incomplete data.
• Erasure: The right to request deletion of data under certain conditions.
• Complaint: The right to lodge a complaint with the Office of the Information and Privacy Commissioner of Alberta (OIPC).

10. Contact Information

To exercise your rights or ask questions about our privacy practices, please contact our Privacy Officer: