Privacy Statement
1. Introduction
Financial Wellbeing Co. (“we,” “us,” “our”) is committed to protecting your privacy and handling your personal information in a responsible manner, in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and any substantially similar provincial legislation.
This Privacy Statement explains how we collect, use, disclose, and protect your personal information when you use our website https://www.fwbl.ca/ (the “Site”) or otherwise interact with us.
2. What Is Personal Information?
“Personal information” means information about an identifiable individual, such as your name, contact details, and other information that can be used to identify you. It does not include business contact information used to contact you in your capacity as an employee or representative of an organization (where applicable law provides for this exception), or de-identified/aggregated information.
3. Information We Collect
a) Information you provide to us
We may collect personal information that you voluntarily provide, for example when you:
Fill out a contact form or sign up for our content
Request information about our programs or services
Subscribe to newsletters or other communications
This may include:
Name
Email address
Phone number
City/Province
Any other information you choose to share in your messages or forms
b) Information collected automatically
When you visit the Site, we may automatically collect:
IP address
Browser type and version
Device type and operating system
Pages visited and time spent on the Site
Referring website and general location (e.g., city/region)
Other usage and analytics data
We may use cookies and similar technologies to collect this information (see “Cookies and Similar Technologies” below).
4. How We Use Your Information
We use your personal information for purposes such as:
Providing and operating the Site and our services
Responding to your inquiries and communicating with you
Sending you newsletters, updates, or other marketing communications (where permitted by law, and subject to your ability to opt out)
Personalizing your experience on the Site
Analyzing Site usage and improving our content, services, and marketing
Managing and protecting our business, including troubleshooting, data analysis, fraud prevention, and security monitoring
Complying with legal and regulatory obligations
We will only collect, use, and disclose your personal information for purposes that a reasonable person would consider appropriate in the circumstances and as otherwise permitted or required by law.
5. Consent
By using our Site or providing personal information to us, you consent to our collection, use, and disclosure of your personal information as described in this Privacy Statement, or as otherwise permitted or required by law.
You may withdraw your consent at any time (subject to legal or contractual restrictions and reasonable notice) by contacting us using the details in the “Contact Us” section below. Please note that withdrawing consent may impact our ability to provide certain services or communications.
6. Disclosure of Your Information
We do not sell or rent your personal information.
We may share personal information:
With service providers who help us operate our business and the Site (e.g., website hosting, analytics, email delivery). These providers are given access only to the information they need in order to perform their services and are required to safeguard it.
For legal and safety reasons, such as to comply with applicable laws, regulations, or legal processes, or to protect our rights, property, or safety, or that of our users or others.
In business transactions, if we are involved in a merger, acquisition, financing, or sale of business assets. In such cases, personal information may be transferred as permitted by law, subject to appropriate safeguards.
7. Cookies and Similar Technologies
We may use cookies and similar technologies to:
Remember your preferences and settings
Understand how visitors use our Site
Improve performance and user experience
Support marketing and analytics
You can set your browser to refuse some or all cookies or to alert you when cookies are being sent. If you disable or refuse cookies, some parts of the Site may not function properly.
8. Storage and International Transfers
Your personal information may be stored and processed in Canada or in other jurisdictions where our service providers are located (for example, the United States). When information is processed outside of Canada, it may be subject to the laws of that foreign jurisdiction and may be accessible to law enforcement and national security authorities in that jurisdiction.
We take reasonable measures to ensure that any service providers who process your personal information outside of Canada provide a level of protection comparable to that required under Canadian privacy law.
9. How We Protect Your Information
We use reasonable physical, technical, and administrative safeguards designed to protect your personal information against loss, theft, and unauthorized access, use, disclosure, or modification. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
10. Retention of Personal Information
We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required or permitted by law. When personal information is no longer needed, we will securely delete, destroy, or de-identify it.
11. Your Rights and Choices
Subject to certain limitations under Canadian law, you have rights in relation to your personal information, including:
Access: You can request access to the personal information we hold about you and information about how we use and disclose it.
Correction: You can request that we correct or update your personal information if it is inaccurate or incomplete.
Withdrawal of consent: You can withdraw your consent to certain uses of your personal information (subject to legal and contractual restrictions).
Marketing preferences: You can unsubscribe from marketing emails at any time by using the “unsubscribe” link in our emails or by contacting us.
To exercise any of these rights, please contact us using the details in the “Contact Us” section below. We may need to verify your identity before responding to your request, and we may be permitted to refuse certain requests in accordance with applicable law.
12. Children’s Privacy
Our Site is intended for adults. We do not knowingly collect personal information from children under the age of 13. If you believe a child under 13 has provided us with personal information, please contact us so we can take appropriate steps to delete it, in accordance with applicable law.
13. Third-Party Websites
Our Site may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review the privacy policies of any third-party sites you visit.
14. Changes to This Privacy Statement
We may update this Privacy Statement from time to time to reflect changes in our practices or legal requirements. The “Last updated” date at the top indicates when it was last revised. Your continued use of the Site after any changes have been posted constitutes your acceptance of the revised Privacy Statement.
15. Contact Us
If you have any questions, requests, or concerns about this Privacy Statement or our handling of your personal information, please contact:
Financial Wellbeing
Email: susan.bal@fwbl.ca