ਪਰਦੇਦਾਰੀ ਨੀਤੀ

Operator: New Canadian Finance
Contact: [email protected]
Last updated: November 9, 2026

1. What this policy covers

This policy explains what information New Canadian Finance collects when you use our website, why we collect it, who we share it with and what choices you have. We aim to follow Canada's federal privacy law (PIPEDA) and Alberta's Personal Information Protection Act.

2. What we collect

• Without an account: the fee audit answers and credit score you type are processed in your browser. Your checklist progress is saved only in your browser's local storage on your device.
• With an account: your name, email address and profile picture if you sign in with Google, and the audit results and checklist progress you choose to save. You may choose what is saved and what is not in the account settings menu.
• Credit score screenshots: if you upload one, it is read by a vision service locally for verification, and then will be immediately deleted. Please blur, crop, or otherwise remove all sensitive info prior to uploading. Do not upload anything that shows your name, account numbers or address.
• Creators: the tracking IDs you register and the referral counts linked to them.
• Technical data: basic information such as your IP address, browser and pages visited, kept in server logs and depersonalized analytic tools.

3. Why we use it

• To run the tools you ask for, such as estimating your yearly card costs.
• To keep your account secure and let you sign in.
• To pay creators for referrals.
• To fix problems and improve the site.

We do not sell your personal information. We will only email you about the site if you agree, and you can unsubscribe at any time.

4. Who we share it with

• Service providers that help us run the site: Supabase for our database and sign-in, Google for sign-in, and Cloudflare for website hosting.
• Fonts: this site loads fonts from Google Fonts, which means your browser contacts Google when a page loads.
• Card issuers and partners: if you click a link to apply for a card, the issuer collects information under its own policy. We may be told that you were referred, but not your application details.
• When the law requires it.

Some providers store or process data outside Canada, including in the United States. Your information may be subject to the laws of those places.

5. Affiliate links

Some links to card issuers are paid referral links. We may earn a fee if you apply or are approved, at no extra cost to you. This does not change our estimates, as our mission is to provide accurate, trustworthy financial information to you.

6. Cookies and local storage

We use local storage to remember your checklist progress and display settings and, if you sign in, your session.

7. How long we keep it

We keep account information while your account is open and delete it immediately after you close it, unless the law requires us to keep it longer. Credit score screenshots are deleted immediately after reading, and never uploaded onto our servers.

8. Your choices and rights

You can ask to see the personal information we hold about you, correct it or delete your account and data. Email: [email protected] and we will reply within 30 days. If you are not satisfied, you can contact the Office of the Privacy Commissioner of Canada or the Office of the Information and Privacy Commissioner of Alberta.

9. Security

We use reasonable safeguards, such as encrypted connections and restricted access, but no system is perfectly secure. If a breach creates a real risk of serious harm to you, we will inform you with our best efforts and the privacy commissioner as the law requires.

10. Children and young people

The site is meant for adults. If you are under the age of 18 or the age of majority in your province, please ask a parent or guardian before creating an account or sharing any information. We do not knowingly collect information from children under 13.

11. Information, not advice

Our tools give estimates based on public information and the numbers you enter. They are not financial, legal or tax advice. Always confirm fees and terms with the issuer prior to using our sourced information.

12. Changes

If we change this policy we will update the date above and for important changes, will inform account holders by email.