Plain version first: this site asks you for nothing. There is no form, no sign-up, no account and no booking. It does not follow you, and it does not tell anyone that you were here.
What follows is the part most privacy policies leave out, which is the part that is actually true of every website including this one.
What is recorded, and by whom
When you open any page, the web server that delivers it writes a line in an access log. That happens before this site's own code runs, and it happens on every website you have ever visited. The line contains:
- your IP address, which identifies the connection you are using;
- the date and time of the request;
- which page or file you asked for;
- your browser and operating system, as your browser reports them;
- the page you arrived from, if you followed a link.
Under the federal Personal Information Protection and Electronic Documents Act and Quebec's Act respecting the protection of personal information in the private sector, as modernised by Law 25, an IP address is personal information. So it would be false to tell you that nothing is collected, and this page will not tell you that.
Why it exists, and what it is not used for
Access logs exist so that a server can be operated: to keep the site running, to see that a page is broken, and to identify an attack. That is the only purpose here.
The log is not used to build a profile of you, to target advertising, to measure audiences, or for any commercial purpose. It is never sold, rented or traded, and it is not combined with information from anywhere else. Nobody reviews it in the ordinary course; it is looked at when something breaks.
Who holds it, and where
The site is served by a commercial web-hosting company, which operates the servers and holds the access logs on the site owner's behalf. Depending on the hosting configuration, those servers may be located outside Quebec and outside Canada, which means the log may be stored in a jurisdiction whose privacy laws differ from Canada's. If you would like to know the current hosting region before you visit again, ask using the contact below and you will be told.
How long it is kept
Access logs are retained for the period set by the hosting provider's default configuration, typically a matter of weeks, and are then overwritten automatically. They are not archived, backed up for long-term retention, or exported anywhere.
What this site does not do
- No cookies of any kind, first-party or third-party.
- Nothing is written to your device until you answer the privacy notice. When you do, two items are stored and no more: one records your answer, the date and the version of the notice; the other records that you closed the not-a-bank banner, if you close it. That record is why the notice does not follow you from page to page: a refusal that is not written down cannot be honoured. It identifies nobody, is never transmitted, and you can change it at any time with the Privacy choices control at the foot of any page. Nothing else is stored: no session storage, no database, no cookies.
- No analytics. No Google Analytics, no tag manager, no pixel, no heatmap, no session recording.
- No advertising and no remarketing.
- No external scripts, stylesheets, fonts or embedded frames, so opening a page does not announce your visit to any third party.
- No contact form, no newsletter, no account, no booking, so you are never asked for your name, your email address or your telephone number.
- No automated decision-making. Nothing here evaluates you, scores you or decides anything about you.
The calculators run entirely inside your own browser. The figures you type are never transmitted and are gone the moment you close the page.
Links that leave this site
Some pages link to Google Canada searches, and the ordering page links to a payment provider. Nothing is sent anywhere until you click, and once you do, you are on that company's site under that company's privacy policy, not this one.
Person responsible for the protection of personal information
Quebec's Law 25 requires that the person accountable for personal information be identified publicly, with their contact details. For this website that person is:
Mona Haddad
Person responsible for the protection of personal information
monahadda@cwcc.ca
Your rights, and how to use them
You may ask for access to any personal information held about you, ask for it to be corrected if it is inaccurate, ask for it to be deleted, and, under Law 25, ask that information about you cease to be disseminated or de-indexed where the legal conditions are met. Write to the contact above. You will receive an answer within 30 days, which is the period Law 25 sets.
In practice, because the only record is a server access log identified by IP address and nothing else, an access request is usually answered by confirming what the log contains and for how long. There is no profile to produce, because none is built.
If you are not satisfied
Raise it with the contact above first, so it can be dealt with directly. If the answer does not satisfy you, you may complain to the regulator:
- Quebec residents: the Commission d'accès à l'information du Québec (CAI).
- Elsewhere in Canada: the Office of the Privacy Commissioner of Canada (OPC).
Children
This site is written for adults making financial decisions. It is not directed at children and asks nothing of anyone, of any age.
Changes
If this policy changes, the date below changes with it. There is no mailing list to notify, because there is no mailing list.
In force: 2026-08-11. This page is published in French and in English, and the French version is available and as prominent, as the Charter of the French language requires.