Privacy
Policy
How Porch Grain protects your financial data and personal information under Canadian federal and provincial laws.
Last Updated
May 2024
Disclaimer: This document is a template provided for informational purposes only and does not constitute legal advice. Users are encouraged to consult with legal professionals regarding compliance with specific data protection regulations in Ontario and Canada.
01. Introduction
Porch Grain ("we," "us," or "our") is committed to maintaining the accuracy, confidentiality, and security of your personal information. This Privacy Policy outlines how we collect, use, and disclose personal information in the course of providing our FIRE (Financial Independence, Retire Early) planning services in Ottawa and across Canada.
Our practices are governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, the Ontario Freedom of Information and Protection of Privacy Act (FIPPA). By using our website and services, you consent to the data practices described in this policy.
02. Information We Collect
We collect information that identifies you or can be used to identify you ("Personal Information"). This includes:
- / Identity Data: Full name, age, and employment status for retirement modeling.
- / Contact Data: Email address, phone number, and mailing address (via ).
- / Financial Profile Data: Income ranges, savings rates, expense ratios, and asset allocation preferences (provided voluntarily through our calculators).
- / Technical Data: IP address, browser type, time zone setting, and operating system collected via cookies.
03. Purpose and Legal Basis
Under PIPEDA, we must identify the purposes for which personal information is collected at or before the time of collection. We process your data for:
Service Delivery
To generate realistic FIRE projections and safe withdrawal rate analytics tailored to the Ottawa market.
Communication
To respond to inquiries, provide technical support, and send newsletter updates (with your explicit consent).
04. Data Retention and Security
Porch Grain retains personal information only as long as necessary to fulfill the identified purposes or as required by Canadian law. Financial data used for one-time calculations is typically not stored on our permanent servers unless you create a registered account.
We implement industry-standard physical, organizational, and technological safeguards (such as SSL encryption and restricted access protocols) to protect your data against loss, theft, or unauthorized access.
05. Disclosure to Third Parties
We do not sell, rent, or lease our customer lists to third parties. We may share data with trusted partners (such as analytics providers or email delivery services) to help perform statistical analysis or provide customer support. All such third parties are prohibited from using your personal information except to provide these services to Porch Grain, and they are required to maintain the confidentiality of your information.
Cross-Border Transfers: Some of our service providers may be located outside of Canada (e.g., in the USA). In such cases, your information may be subject to the laws of those jurisdictions.
06. Your Rights under PIPEDA
As a Canadian resident, you have specific rights regarding your data:
- Right of Access You have the right to request a copy of the personal information we hold about you.
- Right of Rectification You can request that we correct any inaccurate or incomplete personal information.
- Right to Withdraw Consent You may withdraw your consent to the collection and use of your data at any time, subject to legal or contractual restrictions.
Contact Information
To exercise your rights or ask questions about our privacy practices, please contact our Privacy Officer:
Entity: Porch Grain
Location: 150 Elgin Street, Ottawa, ON K2P 1L4
Email:
Phone: +1 (376) 121-1021