Privacy
Policy

Last Updated: 2024

Disclaimer: This Privacy Policy is a standard template for informational purposes and does not constitute formal legal advice. For specific legal inquiries regarding your data rights in London, UK, please consult a qualified legal professional.

1. Introduction and Data Controller

Porch Ledger Co ("we", "us", or "our") is committed to protecting and respecting your privacy. This Privacy Policy explains how we collect, use, and share information about you when you use our website and services focused on financial strategies for renovation capital accumulation in Canada.

For the purposes of the UK General Data Protection Regulation (UK GDPR) and the Data Protection Act 2018 (DPA 2018), the data controller is Porch Ledger Co. As we operate and serve users interested in the Canadian market from a London-based digital infrastructure, we adhere to the strict data protection standards mandated by UK law and the Privacy and Electronic Communications Regulations (PECR).

2. Information We Collect

We may collect and process the following data about you:

• Identity Data: Includes first name, last name, and title provided via contact forms or newsletter subscriptions.
• Contact Data: Includes email address, telephone number, and postal address.
• Technical Data: Includes internet protocol (IP) address, your login data, browser type and version, time zone setting and location, browser plug-in types and versions, operating system and platform, and other technology on the devices you use to access this website.
• Usage Data: Includes information about how you use our website, products, and services (e.g., interest in specific capital accumulation strategies).
• Marketing Data: Includes your preferences in receiving marketing from us and our third parties.

3. Legal Basis for Processing

Under the UK GDPR, we rely on the following lawful bases to process your personal data:

• Consent: Where you have given clear consent for us to process your personal data for a specific purpose (e.g., subscribing to our "London, Ontario Market" reports).
• Contractual Necessity: Where processing is necessary for a contract we have with you, or because you have asked us to take specific steps before entering into a contract.
• Legal Obligation: Where processing is necessary for us to comply with the law.
• Legitimate Interests: Where processing is necessary for our legitimate interests (or those of a third party), provided your interests and fundamental rights do not override those interests (e.g., improving our financial planning tools).

4. How We Use Your Data

We use your information to:

• Provide information on accumulating renovation budgets without HELOC.
• Manage our relationship with you, including notifying you about changes to our terms or privacy policy.
• Administer and protect our business and this website (including troubleshooting, data analysis, testing, and system maintenance).
• Deliver relevant website content and advertisements to you and measure the effectiveness of the advertising we serve.
• Use data analytics to improve our website, services, marketing, and user experiences.

5. Data Retention

We will only retain your personal data for as long as necessary to fulfil the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorised use or disclosure, and the applicable legal requirements.

6. Your Rights

Under the UK GDPR and DPA 2018, you have rights including:

• Your right of access: You have the right to ask us for copies of your personal information.
• Your right to rectification: You have the right to ask us to rectify information you think is inaccurate or complete information you think is incomplete.
• Your right to erasure: You have the right to ask us to erase your personal information in certain circumstances.
• Your right to restriction of processing: You have the right to ask us to restrict the processing of your information.
• Your right to object to processing: You have the right to object to the processing of your personal data in certain circumstances.
• Your right to data portability: You have the right to ask that we transfer the information you gave us to another organisation, or to you.

7. International Transfers

As our content focuses on Canadian renovation budgeting, some of your data may be processed by third-party service providers located outside the UK (e.g., in Canada or the USA). Whenever we transfer your personal data out of the UK, we ensure a similar degree of protection is afforded to it by ensuring at least one of the following safeguards is implemented:

• Transferring data to countries that have been deemed to provide an adequate level of protection for personal data by the UK Secretary of State.
• Using specific contracts approved for use in the UK which give personal data the same protection it has in the UK (International Data Transfer Agreement).

8. Cookie Policy

Our website uses cookies to distinguish you from other users. This helps us to provide you with a good experience when you browse our site and allows us to improve our site. For detailed information on the cookies we use and the purposes for which we use them, please see our Cookie Policy.

9. Contact and Complaints

If you have any questions about this privacy policy or our privacy practices, please contact our Data Protection Officer:

You have the right to make a complaint at any time to the Information Commissioner’s Office (ICO), the UK supervisory authority for data protection issues (www.ico.org.uk). We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please contact us in the first instance.