Privacy Policy
Amble Ash is committed to protecting your personal information in accordance with the laws of British Columbia and Canada.
1. Introduction & Regulatory Framework
Amble Ash ("we," "us," or "our") operates the website providing educational resources on TFSA (Tax-Free Savings Accounts) and RRSP (Registered Retirement Savings Plans). We value your privacy and are committed to being transparent about how we collect and use your data.
As we operate out of Victoria, British Columbia, our data handling practices are governed by the following Canadian and provincial legislations:
- PIPA: The Personal Information Protection Act (British Columbia).
- PIPEDA: The Personal Information Protection and Electronic Documents Act (Federal Canada).
- CASL: Canada’s Anti-Spam Legislation.
For users accessing our content from the European Economic Area (EEA), we also adhere to the principles of the General Data Protection Regulation (GDPR).
2. Data We Collect
A. Personal Information You Provide
When you subscribe to our newsletter, download guides, or contact us, we may collect:
- Full Name
- Email Address
- Phone Number (if provided via contact forms)
- Your financial goals or interests related to TFSA/RRSP structures
B. Automatically Collected Data
When navigating our platform, we collect technical data such as:
- IP Address and Geolocation (Victoria/Regional data)
- Browser type and version
- Time spent on pages (e.g., RRSP vs TFSA comparison pages)
- Cookies and Tracking Pixels
3. Purpose & Legal Basis for Processing
Under PIPA and GDPR, we must have a valid legal basis to process your data. Amble Ash relies on:
- Consent: You have given clear consent for us to process your personal data for a specific purpose (e.g., receiving the "Capital Structure Guide").
- Legitimate Interests: Processing is necessary for our legitimate interests, such as improving our educational content, ensuring website security, and analyzing the effectiveness of our RRSP/TFSA tools.
- Legal Obligation: Processing is necessary for compliance with Canadian tax transparency or anti-fraud laws.
4. Data Retention & Security
We retain your personal data only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements.
Security is paramount. We implement industry-standard encryption (SSL/TLS) and restricted access protocols to ensure that your data—especially sensitive financial interest data—remains confidential. However, no method of transmission over the Internet is 100% secure.
5. Third-Party Disclosure
Amble Ash does not sell, trade, or otherwise transfer your Personal Information to outside parties except in the following circumstances:
- Service Providers: Trusted third parties who assist us in operating our website (e.g., hosting, email marketing platforms) under strict confidentiality agreements.
- Legal Requirements: When required by Canadian law or in response to valid requests by public authorities (e.g., a court or a government agency).
- Transborder Data Flow: Your data may be stored on servers located outside of British Columbia (e.g., in the USA). We ensure these providers offer equivalent protection levels as required by PIPA.
6. Your Rights & Access
Under British Columbia’s PIPA and the GDPR, you have the following rights:
Access & Correction
Request a copy of your data and ask for corrections if it is inaccurate.
Erasure (Right to be Forgotten)
Request that we delete your personal information from our systems.
Withdraw Consent
Unsubscribe from communications at any time via the link in our emails.
Data Portability
Request your data in a structured, machine-readable format.
7. Cookies & Analytics
We use cookies to enhance your experience. These are small files transferred to your computer's hard drive through your web browser. We use them to understand and save your preferences for future visits (e.g., remembering your preference for RRSP over TFSA content).
You can choose to turn off all cookies via your browser settings. For more details, please visit our Cookie Policy.
Contact Our Privacy Officer
If you have questions about this policy or wish to exercise your data rights, please reach out to the Amble Ash administration in Victoria.