1. Purpose of This Policy

This Privacy Policy explains how we collect, use, store, and protect your personal information when you use our website, participate in our retirement readiness quiz, or join our early access list.

We are committed to protecting your privacy and complying with Quebec’s Law 25 (Act to modernize legislative provisions as regards the protection of personal information) and Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).

2. Information We Collect

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number (if provided)
  
• Financial Information (Self-Reported): Age, planned retirement age, savings, pension details, retirement income estimates, and other answers you voluntarily provide in the quiz
  
• Consent Preferences: Whether you agree to be contacted for a consultation or feedback call
  
• Technical Information: IP address, browser type, and basic analytics through cookies (see Section 7)
  

3. How We Use Your Information

We use your personal information for the following purposes:

• To provide you with quiz results and insights for educational purposes only
  
• To contact you if you have given consent for:
  • A retirement planning consultation
    
  • A feedback call to improve our tool
    
• To send you updates about the launch of our retirement planning tool (if you have joined our early access list)
  
• To improve our website, quiz, and services
  

We will not sell, rent, or trade your personal information to third parties.

4. Legal Basis for Processing

We collect and use your information only with your consent or as otherwise permitted by applicable laws.

You may withdraw your consent at any time by contacting us at: planhorizon@outlook.com

5. Data Storage and Retention

Your personal information is stored securely on servers located in Canada (or with cloud providers compliant with Canadian privacy requirements).We will retain your personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law.

6. Your Rights Under Quebec Law 25

Under Law 25, you have the right to:

• Access and obtain a copy of your personal information
  
• Request correction of any inaccurate or incomplete personal information
  
• Withdraw your consent to the use of your personal information
  
• Request the deletion of your personal information, subject to legal obligations
  

To exercise your rights, contact our Privacy Officer (see Section 9).

7. Cookies and Tracking

We may use cookies and similar technologies to improve user experience and collect analytics. You can disable cookies in your browser settings, but some site features may not function properly.

8. Third-Party Service Providers

We may use trusted third-party service providers to:

• Host our website and data
  
• Process payments (if applicable)
  
• Send email communications
  
  

These providers are contractually required to protect your information and use it only for the purposes specified by us.

9. Privacy Officer

If you have questions, concerns, or requests regarding your personal information, contact:

Privacy Officer:

‍ Plan Horizon
Email: planhorizon@outlook.com

10. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website with the updated “Effective Date.”

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