Privacy Policy
Last updated: April 2026
Introduction
Ratesopedia ("we", "our", "us") is committed to protecting your privacy. This policy explains how we collect, use, disclose, and safeguard your information when you visit our website ratesopedia.com. We comply with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and Quebec's Act Respecting the Protection of Personal Information in the Private Sector (Law 25).
Information We Collect
We collect information in two ways: • Automatically collected data: When you visit our site, we may collect your IP address, browser type, operating system, referring URLs, pages visited, and time spent on pages. This data is collected only with your explicit consent via our cookie banner. • Information you provide: If you contact us via email or a form, we collect the information you voluntarily submit (name, email address, message content).
Cookies and Tracking Technologies
We use cookies and similar technologies only after obtaining your explicit consent, as required by Quebec's Law 25. You can accept or decline cookies when first visiting our site. If you decline, no analytics or tracking cookies will be placed. Essential cookies that are strictly necessary for the site to function may still be used. If you accept cookies, we use Google Analytics 4 (GA4) to understand how visitors interact with our site. GA4 collects anonymized usage data. You can withdraw your consent at any time by clearing your browser cookies, which will reset the consent banner.
How We Use Your Information
We use the information we collect to: • Operate, maintain, and improve our website • Understand how visitors use our site to improve user experience • Respond to your inquiries and communications • Track affiliate referrals (when you click on a product link) • Comply with legal obligations We do not sell your personal information to third parties.
Third-Party Services
Our site may contain links to third-party websites (financial institutions, product issuers). When you click an affiliate link, you leave our site and are subject to the third party's privacy policy. We are not responsible for the privacy practices of these external sites. We use the following third-party services (with your consent): • Google Analytics 4 — website analytics • Vercel — website hosting and performance
Data Retention
Automatically collected analytics data is retained for up to 14 months. Contact information you provide is retained only as long as necessary to respond to your inquiry, unless you request earlier deletion.
Your Rights
Under PIPEDA and Law 25, you have the right to: • Access your personal information held by us • Request correction of inaccurate information • Withdraw your consent to data collection • Request deletion of your personal information • File a complaint with the Office of the Privacy Commissioner of Canada or the Commission d'accès à l'information du Québec To exercise any of these rights, contact us at privacy@ratesopedia.com.
Data Security
We implement reasonable security measures to protect your information, including HTTPS encryption, secure hosting, and strict access controls. However, no method of transmission over the internet is 100% secure.
Children's Privacy
Our website is not intended for children under 16 years of age. We do not knowingly collect personal information from children.
Changes to This Policy
We may update this privacy policy from time to time. Changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.
Contact Us
If you have questions or concerns about this privacy policy or our data practices, contact us at: Email: privacy@ratesopedia.com