TDailyGuide.com (“TDailyGuide,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you provide when using our website, quizzes, forms, advertisements, or related online services (collectively, the “Service”).
This Privacy Policy explains how we collect, use, disclose, retain, and safeguard personal information. We aim to handle personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (“PIPEDA”), where applicable.
1. Information We Collect
Depending on how you use the Service, we may collect:
- Name, email address, telephone number, and other contact details.
- Province or territory of residence and Canadian residency information.
- Responses submitted through a quiz, questionnaire, or contact form.
- Financial and employment information, such as estimated unsecured debt, income range, employment status, housing status, and general credit profile.
- Information about whether you are currently participating in a bankruptcy, consumer proposal, debt-management plan, or another financial program.
- Communications and preferences, including consent to receive telephone calls, text messages, or emails.
We may also automatically collect limited technical information, such as your IP address, browser type, device type, operating system, referring page, pages visited, approximate location, and interactions with the Service. This information may be collected through cookies, pixels, tags, analytics tools, and similar technologies.
2. How We Use Information
We may use personal information to:
- Operate, maintain, secure, and improve the Service.
- Review your responses and determine whether you may be suitable for information, resources, or services offered by an independent third-party provider.
- Connect you with an independent provider that may contact you about available financial or debt-related options.
- Confirm information you submitted and respond to questions or requests.
- Communicate with you by telephone, text message, or email where permitted by law and consistent with your consent.
- Measure website and advertising performance, prevent fraud, and improve our marketing.
- Comply with legal, regulatory, contractual, and recordkeeping obligations.
3. Sharing and Disclosure
We may disclose personal information in the following circumstances:
Independent service providers and referral partners. If you submit a request or questionnaire, we may share relevant information with independent debt-relief, financial-service, credit-counselling, or other providers that may be able to assist you. These organizations operate independently and maintain their own privacy practices.
Operational service providers. We may use third parties for website hosting, analytics, advertising, communications, form processing, data storage, security, and customer support. They may process information only as needed to provide services to us.
Legal and safety purposes. We may disclose information when reasonably necessary to comply with a law, regulation, subpoena, court order, lawful request, or to protect our rights, users, property, or security.
4. Consent and Communications
By voluntarily submitting information through the Service, you consent to its collection, use, and disclosure for the purposes described in this policy and in any notice shown at the point of collection.
Where you consent to receive communications, you may withdraw that consent at any time. You may reply “STOP” to applicable text messages or use an unsubscribe link included in applicable emails. Withdrawal of consent does not affect processing that occurred before withdrawal and may limit our ability to respond to or fulfill your request.
5. Cookies, Analytics, and Advertising
We may use cookies, pixels, and similar technologies to remember settings, understand website use, measure advertising performance, prevent abuse, and improve the Service. Third-party platforms, including advertising and analytics providers, may also collect information according to their own privacy policies.
You can control cookies through your browser settings. Disabling some cookies may affect how the Service functions.
6. Data Retention
We retain personal information only for as long as reasonably necessary for the purposes described in this policy, to provide requested services, maintain business and consent records, resolve disputes, prevent fraud, and meet legal or contractual obligations. When information is no longer required, we may securely delete, destroy, or anonymize it.
7. Storage and Processing Outside Canada
Some service providers may store or process information outside your province or outside Canada. As a result, information may be subject to the laws and lawful-access requirements of another jurisdiction.
8. Your Privacy Choices and Rights
Subject to applicable law, you may request to:
- Access personal information we hold about you.
- Correct inaccurate or incomplete information.
- Withdraw consent, where consent is the basis for processing.
- Ask questions about how your information has been used or disclosed.
- Request deletion of information where appropriate and legally permitted.
We may need to verify your identity before completing a request.
9. Security
We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against loss, theft, misuse, unauthorized access, disclosure, alteration, or destruction. No online system or transmission method can be guaranteed to be completely secure.
10. Third-Party Websites
The Service may contain links to websites or services operated by third parties. We do not control and are not responsible for their content, security, or privacy practices. Review their policies before providing personal information.
11. Children’s Privacy
The Service is intended for adults aged 18 and older. We do not knowingly collect personal information from children. If you believe a child has submitted personal information, please contact us so that we can review and delete it where appropriate.
12. Changes to This Policy
We may revise this Privacy Policy periodically. The updated version will be posted on this page with a revised effective date. Material changes may also be communicated through the Service where appropriate.
13. Contact Us
Questions, complaints, access requests, correction requests, or consent withdrawals may be directed to:
TDailyGuide.com
Toronto, Ontario, Canada
Email: info@tdailyguide.com