We respect your privacy. NewcomerSavings.ca does not sell, trade, or rent your personal information to any third party — ever. This policy explains exactly what we collect, why, and how you can control it.
Overview
NewcomerSavings.ca (“we”, “us”, “our”) is a Canadian personal finance publication operated by the NewcomerSavings editorial team, based in Toronto, Ontario, Canada.
This Privacy Policy explains how we collect, use, store and protect information when you visit newcomersavings.ca or interact with our content. By using this website, you agree to the practices described in this policy.
This policy complies with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
1Information we collect
Information you provide voluntarily
We only collect personal information that you choose to give us:
- Email address — when you subscribe to our newsletter, contact us, or download a free resource
- Name — when you contact our editorial team or purchase a digital product
- Payment information — when you purchase a paid digital download (processed securely by our payment provider — we never store card details)
- Billing details — name and email required to deliver your purchase and send receipts
- Message content — when you submit a contact form
- Any other information you voluntarily include in a message
Information collected automatically
When you visit our site, certain information is collected automatically by our analytics tools:
| Data type | Why we collect it |
|---|---|
| IP address & general location | To understand where our readers are located (country/city level only) |
| Browser type & version | To ensure our site displays correctly across all browsers |
| Pages visited & time on page | To understand which guides are most helpful to our readers |
| Referring website | To understand how readers find us |
| Device type | To optimise our site for desktop, mobile and tablet |
Important: Automatically collected data is aggregated and anonymous. It does not identify you personally and we cannot use it to contact you.
2How we use your information
We use the information we collect only for the following purposes:
- To send you our newsletter — only if you subscribed
- To deliver free and paid digital downloads you have requested or purchased
- To send purchase receipts and download links for paid products
- To respond to your questions, messages and feedback
- To improve the content, design and performance of our website
- To understand how readers use our guides and what topics to cover next
- To comply with our legal obligations under Canadian law
We do not sell, trade, rent or share your personal information with any third party for marketing purposes — ever.
3Newsletter & email communications
If you subscribe to the NewcomerSavings newsletter, we will send you weekly financial tips, new guide alerts and relevant updates for newcomers to Canada.
- You can unsubscribe at any time by clicking the unsubscribe link in any email
- We use a reputable third-party email service provider to send and manage newsletters
- Your email address is stored securely and never shared with other companies
- We do not send promotional emails on behalf of third parties
To unsubscribe, click the Unsubscribe link at the bottom of any email we send you, or contact us at [email protected] and we will remove you immediately.
4Cookies & analytics
What are cookies?
Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and understand how visitors use the site.
Google Analytics
We use Google Analytics to understand how readers use our site. Google Analytics collects anonymous, aggregated data about your visit — including pages viewed, time on site, and general location. This data does not identify you personally.
You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on.
Managing cookies
You can instruct your browser to refuse all cookies or to alert you when a cookie is being sent. Please note that some parts of our site may not function correctly if cookies are disabled. Most browsers allow you to manage cookie preferences in their Settings or Privacy menu.
Types of cookies we use
| Cookie type | Purpose |
|---|---|
| Essential cookies | Required for the site to function. Cannot be disabled. |
| Analytics cookies | Help us understand how visitors use our site (Google Analytics). Anonymous data only. |
| Preference cookies | Remember your settings and preferences for a better experience. |
5Affiliate links & third parties
NewcomerSavings.ca contains affiliate links to third-party websites including banks, financial institutions and other services. When you click these links:
- You will be directed to a third-party website with its own privacy policy
- That third-party company may track your visit under their own privacy practices
- We are not responsible for the privacy practices of any third-party website
- We encourage you to review the privacy policy of any site you visit
For full details of our affiliate relationships, please read our Affiliate Disclosure.
6Digital downloads & purchases
Free digital downloads
NewcomerSavings.ca offers free digital resources including financial planning journals, budgeting templates, checklists and guides. To access a free download, we may ask for your email address so we can:
- Deliver the download link directly to your inbox
- Send you occasional related guides and tips (you can unsubscribe anytime)
- Notify you when we update or release new free resources
Your choice: Signing up for a free download will add you to our newsletter. You can unsubscribe at any time by clicking the unsubscribe link in any email we send.
Paid digital downloads
We offer paid digital products including premium financial planning journals, in-depth guides, budgeting workbooks and templates. When you purchase a paid product:
- Your payment is processed securely by one of our trusted payment providers — Stripe, PayPal or Gumroad — depending on the product and checkout method
- We never store, see or have access to your full credit card or payment details
- We collect your name and email address to deliver your purchase and send you a receipt
- Your purchase history is stored securely to allow you to re-download products you have bought
- We may send you occasional emails about related products — you can unsubscribe anytime
Download delivery
All digital downloads — both free and paid — are delivered by email or via a secure download link on our website. Downloads are for personal use only and may not be resold, redistributed or shared commercially.
Refund policy for paid downloads
Because digital products are delivered instantly and cannot be “returned”, all sales of paid digital downloads are final. If you experience a technical issue with your download, please contact our team at [email protected] and we will resolve it promptly.
Payment processors
Depending on the product and checkout method, payments on NewcomerSavings.ca are processed by one or more of the following trusted providers:
| Payment provider | What they handle | Their privacy policy |
|---|---|---|
| Stripe | Credit and debit card payments processed securely on our website | stripe.com/privacy |
| PayPal | PayPal account payments and card payments via PayPal checkout | paypal.com/ca/privacy |
| Gumroad | Select digital downloads sold and delivered through the Gumroad platform | gumroad.com/privacy |
All three payment providers are industry-trusted, comply with PCI DSS (Payment Card Industry Data Security Standards), and maintain their own strict privacy and security practices. We encourage you to review their respective privacy policies before completing a purchase. NewcomerSavings.ca never stores, sees or has access to your full payment card details regardless of which provider you use.
7Data security
We take reasonable and appropriate steps to protect your personal information from loss, theft, unauthorised access, disclosure, copying, use or modification.
- Our website uses SSL encryption (HTTPS) to secure all data transmitted between your browser and our server
- Access to any personal data we hold is restricted to authorised team members only
- We use reputable third-party services that maintain their own strong security standards
Please note: No method of transmission over the internet is 100% secure. While we take every reasonable precaution, we cannot guarantee absolute security of your information.
8Children’s privacy
NewcomerSavings.ca is not directed at children under the age of 13. We do not knowingly collect personal information from anyone under 13 years of age.
If you believe we have inadvertently collected personal information from a child under 13, please contact us immediately at [email protected] and we will delete it promptly.
9Your rights under PIPEDA
Under Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), you have the following rights regarding your personal information:
To exercise any of these rights, please contact our team at [email protected]. We will respond within 30 days.
10Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology or legal requirements. When we make significant changes, we will update the “Last updated” date at the top of this page.
We encourage you to review this page periodically to stay informed about how we protect your information. Continued use of NewcomerSavings.ca after any changes constitutes your acceptance of the updated policy.
11Contact us
If you have any questions, concerns or requests regarding this Privacy Policy or how we handle your personal information, please contact our editorial team:
NewcomerSavings Editorial Team
We take all privacy enquiries seriously and will respond within 30 days of receiving your request.
Email: hello@newcomersavings.ca