1. Introduction

This Privacy Policy explains how the Downsizing Journey Financial Calculator ("we", "our", or "the Calculator") collects, uses, and protects your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy laws.

2. Information We Collect

2.1 Personal Financial Information

To provide calculation services, we collect the following information that you voluntarily provide:

• Current home value and mortgage details
• Monthly housing costs (maintenance, utilities, property taxes)
• Selling costs (commission, legal fees, staging expenses)
• Future housing scenarios (purchase price or rental costs)
• Investment and financial planning information
• Geographic location information (cities you're considering for relocation)

2.2 Technical Information

We automatically collect certain technical information, including:

• Session identifiers for maintaining your calculation data
• Browser type and device information
• IP address (for security and analytics purposes)
• Pages visited and time spent on the site

3. How We Use Your Information

We use your personal information solely for the following purposes:

• Calculation Services: To perform financial calculations and provide downsizing scenarios based on your inputs
• Data Persistence: To save your progress and allow you to return to your calculations
• Service Improvement: To improve the accuracy and functionality of our calculator
• Legal Compliance: To maintain records as required by law and update calculations based on current tax rates and regulations

4. Data Storage and Security

4.1 Canadian Data Residency

All personal information and financial data is stored exclusively in Canada. We maintain all databases and data storage infrastructure within Canadian borders to ensure full compliance with Canadian privacy laws including PIPEDA. Your data never leaves Canada and is not transmitted to, or stored in, any foreign jurisdictions.

4.2 Storage Duration

Your financial information is stored in a secure database. We maintain your data for the duration of your session and for a reasonable period thereafter to allow you to retrieve your calculations. You may request deletion of your data at any time by contacting us.

4.3 Security Measures

We implement appropriate security safeguards to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure database access controls
• Regular security assessments and updates
• Limited access to personal information by authorized personnel only

5. Disclosure of Information

We do not sell, trade, or rent your personal information to third parties. We may disclose your information only in the following limited circumstances:

• Legal Requirements: When required by law, court order, or government authority
• Service Providers: To trusted Canadian-based service providers who assist in operating our website and maintain data storage within Canada, subject to strict confidentiality agreements and PIPEDA compliance
• With Your Consent: When you explicitly authorize such disclosure

Important: Any service providers we engage must maintain data within Canadian borders and comply with all applicable Canadian privacy laws. We do not transfer your personal information outside of Canada.

6. Your Rights and Choices

Under PIPEDA and Ontario privacy laws, you have the following rights:

• Access: You may request access to your personal information stored in our system
• Correction: You may request corrections to inaccurate or incomplete information
• Withdrawal of Consent: You may withdraw consent for the collection, use, or disclosure of your information (subject to legal or contractual restrictions)
• Deletion: You may request deletion of your personal information, subject to legal retention requirements

To exercise these rights, please clear your browser data or contact us using the information provided below.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Session data may be automatically deleted after a period of inactivity.

8. Cookies and Tracking Technologies

We use session cookies and similar technologies to maintain your calculator session and improve user experience. These cookies do not track you across other websites. You can manage cookie preferences through your browser settings.

9. Third-Party Links

Our website may contain links to third-party websites for informational purposes. We are not responsible for the privacy practices of these external sites and encourage you to review their privacy policies.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

12. Complaints

If you believe we have not complied with applicable privacy laws, you may file a complaint with: