Privacy Policy

1. Introduction

Maple Wallet ("we", "our", or "us") is committed to protecting the privacy of Canadians who use our website and services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

By accessing or using Maple Wallet, you consent to the practices described in this policy. If you do not agree, please discontinue use of our services.

2. Information We Collect

We may collect the following categories of personal information:

• Account Information: Email address when you sign up for our newsletter.
• Usage Data: Pages visited, features used, time spent on the site, and referring URLs.
• Device & Technical Data: IP address, browser type, operating system, and device identifiers.
• Communications: Any messages you send us via contact forms or email.
• Cookies & Tracking Technologies: Data collected through cookies, web beacons, and similar technologies (see Section 6).

We do not collect sensitive financial account credentials, SINs, or payment card numbers.

3. How We Use Your Information

We use personal information to:

• Provide, operate, and improve our comparison tools and content.
• Personalize your experience and deliver relevant financial product recommendations.
• Send transactional emails, service updates, and, where you have opted in, marketing communications.
• Analyze usage trends and perform internal research and analytics.
• Detect, investigate, and prevent fraudulent or unauthorized activity.
• Comply with applicable legal obligations.

4. Disclosure of Your Information

We may share your information with:

• Service Providers: Trusted third parties who assist us in operating our website and services (e.g., hosting, analytics, email delivery) under strict confidentiality obligations.
• Financial Partners: We may share anonymized or aggregated data with partner financial institutions for product improvement purposes. We do not sell your personal information.
• Legal Requirements: When required by law, court order, or government authority.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, subject to confidentiality protections.

5. Retention of Personal Information

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law. When no longer needed, data is securely deleted or anonymized.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to enhance functionality, analyze traffic, and deliver relevant content. You may control cookie preferences through your browser settings; however, disabling certain cookies may affect site functionality.

Types of cookies we use:

• Essential Cookies: Required for core site functionality.
• Analytics Cookies: Help us understand how visitors interact with our site.
• Preference Cookies: Remember your settings and preferences.

7. Your Rights Under PIPEDA

As a Canadian resident, you have the right to:

• Access the personal information we hold about you.
• Request correction of inaccurate or incomplete information.
• Withdraw consent to certain uses of your information (subject to legal or contractual restrictions).
• Lodge a complaint with the Office of the Privacy Commissioner of Canada (OPC) at priv.gc.ca.

To exercise your rights, contact us at privacy@mymaplewallet.ca.

8. Data Security

We implement industry-standard security measures including encryption in transit (TLS), access controls, and regular security reviews. No method of transmission over the Internet is completely secure; however, we strive to protect your personal information using commercially reasonable means.

9. Cross-Border Data Transfers

Your information may be processed in countries outside Canada, including the United States, where privacy laws may differ. We ensure appropriate safeguards are in place, such as contractual protections, when transferring data internationally.

10. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected such information, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated via notice on our website or by email. Your continued use of Maple Wallet after such changes constitutes acceptance of the revised policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our privacy practices, please contact us at: