Privacy Policy

Last Updated: October 2023

Disclaimer: This Privacy Policy is a standardized template provided for informational purposes related to Cedar Receipt’s digital operations in Vancouver, British Columbia. It does not constitute formal legal advice. For specific legal concerns regarding British Columbia’s privacy statutes, please consult a qualified legal professional.

1. Introduction and Scope

Cedar Receipt ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, and disclose personal information in the course of our activities in Vancouver, British Columbia, specifically focusing on our services regarding cottage savings, real estate investment strategies, and financial planning for recreational properties.

As an entity operating in British Columbia, Canada, we comply with the Personal Information Protection Act (PIPA) of British Columbia and, where applicable, the federal Personal Information Protection and Electronic Documents Act (PIPEDA). For residents of the European Economic Area (EEA), we also adhere to the General Data Protection Regulation (GDPR).

2. Data Controller and Contact Information

Cedar Receipt acts as the organization responsible for your personal information. If you have questions about this policy or our data practices, please contact our Privacy Officer:

Cedar Receipt Privacy Office

Address: 450 Robson St, Vancouver, BC V6B 2B5

Email:

Phone: +1 (991) 830-9981

3. Personal Information We Collect

We collect information that identifies, relates to, or could reasonably be linked to you. This includes:

  • Identifiers: Full name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, and phone number.
  • Financial Information: Self-reported savings goals, income brackets (for mortgage qualification simulations), and FHSA/RRSP contribution limits provided through our calculators.
  • Internet Activity: Browsing history, search history, and information regarding your interaction with our website, including device type and browser settings.
  • Professional Information: Employment status or industry, if provided to assess lending qualification requirements.

4. Purpose and Legal Basis for Processing

Under BC PIPA and GDPR, we must have a valid legal basis to process your data. We process your information for the following purposes:

Service Delivery

To provide the "Cottage Savings Guide" and "3-Year Acquisition Roadmap." Basis: Performance of a contract or steps taken at your request.

Consent

To send marketing communications and newsletters about the Vancouver real estate market. Basis: Explicit opt-in consent.

Legitimate Interest

To improve our website functionality, prevent fraud, and analyze the effectiveness of our financial tools.

Legal Obligation

To comply with Canadian tax laws, anti-money laundering regulations, or court orders.

5. Data Retention Periods

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.

  • Account Data: Retained as long as your account is active plus 7 years for tax/legal purposes.
  • Marketing Data: Retained until you withdraw consent (unsubscribe).
  • Cookies/Analytics: Retained for up to 24 months from the date of collection.

6. Disclosure to Third Parties

Cedar Receipt does not sell your personal information. We may share data with:

  • Service Providers: Cloud hosting (e.g., AWS), email delivery services, and analytics providers (e.g., Google Analytics).
  • Professional Advisors: If you request a referral to a mortgage broker or real estate lawyer in Vancouver.
  • Law Enforcement: When required by Canadian federal or provincial law.

7. International Data Transfers

Your information may be stored and processed in servers located outside of British Columbia or Canada (e.g., in the United States). By using our services, you acknowledge that your information may be subject to the laws of those jurisdictions, which may differ from Canadian privacy laws. We ensure all transfers comply with applicable data protection standards.

8. Your Privacy Rights

Depending on your location, you have the following rights regarding your personal data:

✦
Right of Access: You can request a copy of the personal information we hold about you.
✦
Right to Correction: You can ask us to correct inaccurate or incomplete data.
✦
Right to Erasure: Also known as the "right to be forgotten," you can request that we delete your data.
✦
Right to Withdraw Consent: You may opt-out of marketing communications at any time.
✦
Right to Lodge a Complaint: You have the right to contact the Office of the Information and Privacy Commissioner for British Columbia (OIPC).

9. Cookies and Tracking

We use cookies to enhance your experience. Essential cookies are necessary for the site to function, while performance and targeting cookies help us understand how you interact with our Vancouver market reports. You can manage these settings at any time.

Read our full Cookie Policy →

10. Security Measures

We implement industry-standard technical and organizational measures to protect your data, including SSL encryption for all data transmissions and restricted access protocols for our internal databases. However, no method of transmission over the Internet is 100% secure.

11. Useful Links