Privacy Policy

This policy applies to visitors from the United States and Canada, including residents of California (CCPA/CPRA) and Quebec (Law 25 / Act respecting the protection of personal information in the private sector).

1. Who we are

This site is operated by an individual publisher ("we," "us," "our") who writes independent reviews of investment tools. To contact us, please use the contact form.

2. What we collect

We collect the following categories of information:

• Technical data — IP address, browser type, device type, operating system, referring URL, pages visited, time on page, and scroll depth. This is collected automatically by our hosting provider and analytics tools.
• Affiliate click data — when you click an outbound affiliate link, the destination site may receive a referral identifier. We do not receive your personal information as a result of that click, but may receive aggregate commission reports.
• Contact form submissions — name, email address, subject, and message body when you voluntarily submit our contact form.
• Cookie and session data — see Section 6 and our Cookie Policy.

We do not collect financial account data, Social Security numbers, or payment information.

3. Why we collect it

• To operate and improve this website (legitimate interest)
• To understand how visitors find and use content (analytics / legitimate interest)
• To attribute affiliate commissions correctly (legitimate interest / contractual)
• To respond to contact form submissions (consent / contractual)
• To detect and prevent fraud or abuse (legitimate interest)

4. Third parties we share data with

We do not sell your personal information. We may share data with the following third parties solely to operate this site:

• Vercel — our hosting provider, which logs standard server request data. See Vercel's Privacy Policy.
• Analytics providers — we may use services such as Google Analytics or Vercel Analytics to understand site traffic. These services may set cookies or use similar technologies. See Section 6.
• Affiliate networks — outbound affiliate links pass a referral parameter to the destination site's affiliate program. Each reviewed platform has its own privacy policy.

We do not share contact form submissions with any third party except where required by law.

5. Your rights

Depending on your jurisdiction, you may have the following rights regarding your personal information:

• Access / Know — request a copy of the data we hold about you.
• Deletion / Erasure — request that we delete your data.
• Correction — request that we correct inaccurate data.
• Opt-out of sharing — California residents may opt out of the "sharing" of personal information for cross-context behavioral advertising. We do not use your data for targeted advertising; however, third-party analytics tools may. You may opt out via browser signals (Global Privacy Control) or by disabling non-essential cookies.
• Portability — request your data in a portable format.
• Non-discrimination — exercising these rights will not result in any penalty or difference in service.

To exercise any of these rights, please use our contact form. We will respond within 30 days (PIPEDA / Quebec Law 25) or 45 days (CCPA/CPRA) of receiving a verifiable request.

6. Cookies

We use cookies and similar tracking technologies. For a full breakdown, see our Cookie Policy. You can manage your preferences through our cookie consent banner or your browser settings.

7. Children

This site is not directed at individuals under 16 years of age. We do not knowingly collect personal information from anyone under 16. If you believe a minor has submitted information through this site, please contact us and we will delete it promptly.

8. International data transfers

This site is hosted on servers that may be located outside your province or country. By using this site, you acknowledge that your information may be transferred to and processed in jurisdictions with different data protection laws than your own.

9. Data retention

Server and analytics logs are retained for up to 26 months. Contact form submissions are retained as long as necessary to respond to your inquiry and for a reasonable period thereafter. You may request deletion at any time.

10. Changes to this policy

We may update this policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of this site after a change constitutes acceptance of the updated policy.

11. Contact

For privacy-related requests or questions, please use our contact form.