Privacy Policy

1. Introduction

Welcome to Sunlit Quarters. We operate the website dedicated to helping consumers navigate the Canadian banking landscape, specifically focusing on Vancouver's financial infrastructure. Your privacy is of paramount importance to us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.

As a provider of financial comparison and educational content, Sunlit Quarters acts as the Data Controller for the personal information processed through our digital platforms.

2. Legal Framework and Jurisdiction

Since Sunlit Quarters operates primarily within Vancouver, British Columbia, we comply with the following legislative frameworks:

• PIPEDA: The Personal Information Protection and Electronic Documents Act (Canada).
• BC PIPA: The Personal Information Protection Act (British Columbia).
• GDPR Standards: While we target the Canadian market, we adopt General Data Protection Regulation (Regulation (EU) 2016/679) standards for all users to ensure the highest level of data protection.

3. Personal Data We Collect

We may collect information about you in a variety of ways. The information we may collect on the Site includes:

• Identity Data: Name, age range, and employment status (if provided during account selection surveys).
• Contact Data: Email address, telephone number, and mailing address.
• Technical Data: IP address, browser type, operating system, and access times.
• Usage Data: Information about how you use our website, including the banking comparison tools you interact with and the articles you read, such as our Hidden Fees Analysis.

4. Purposes and Legal Basis for Processing

Under Canadian and international law, we must have a legal basis to process your data. We process your information for:

• Consent: When you subscribe to our newsletter or fill out a contact form.
• Contractual Necessity: To provide the specific banking comparison reports you request.
• Legitimate Interests: To improve our website functionality, analyze user trends in Vancouver, and ensure network security.
• Legal Compliance: To comply with anti-fraud regulations and reporting requirements in British Columbia.

5. Data Retention

Sunlit Quarters will retain your personal information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

Generally, marketing data is kept for 24 months after the last interaction, while technical logs are purged after 6 months.

6. Disclosure and Third-Party Transfer

We may share information we have collected about you in certain situations. Your information may be disclosed as follows:

• Service Providers: We share data with vendors who perform services for us, such as hosting, email delivery, and customer service.
• Banking Partners: If you explicitly request an introduction to a bank featured in our Vancouver Infrastructure Guide, we will pass on your contact details with your consent.
• Business Transfers: In the event of a merger, sale of company assets, or acquisition, user information may be one of the transferred assets.

7. Your Data Protection Rights

Depending on your location, you have the following rights regarding your personal data:

• The right to access: You have the right to request copies of your personal data.
• The right to rectification: You have the right to request that we correct any information you believe is inaccurate.
• The right to erasure: You have the right to request that we erase your personal data, under certain conditions.
• The right to object: You have the right to object to our processing of your personal data for direct marketing.

To exercise these rights, please contact our Data Protection Officer at the addresses provided below.

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track the activity on our service and hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. For more details, please see our Cookie Policy.