Privacy Policy

1. Information We Collect

Information You Provide Directly

• Contact form submissions — your name, email address, and message
• Newsletter sign-up — your email address

Information Collected Automatically

• Usage data — pages visited, time on page, referral source, and general browsing behaviour via analytics
• Device information — browser type, operating system, and screen size (non-identifying)
• IP address — used for analytics and fraud prevention, not stored long-term
• Cookies — see the Cookies section below

2. How We Use Your Information

• To respond to your inquiries and provide customer support
• To send you our newsletter if you have subscribed (you can unsubscribe at any time)
• To analyse and improve site performance and content quality
• To detect and prevent fraudulent or abusive activity
• To comply with applicable laws and legal obligations

We do not use your personal information to make automated decisions that significantly affect you, and we do not engage in profiling for targeted advertising.

3. Cookies

We use cookies and similar technologies to improve your experience on our site. Cookies we may use include:

• Essential cookies — required for basic site functionality
• Analytics cookies — help us understand how visitors use the site (e.g., Google Analytics or similar)
• Preference cookies — remember your settings and preferences

You can control or disable cookies through your browser settings. Disabling analytics cookies will not affect your ability to use the site.

4. Third-Party Services

We use third-party services to operate this website, including:

• Analytics providers — aggregate, anonymised usage statistics
• Email service providers — for newsletter distribution
• Hosting and infrastructure — Vercel (servers in North America)

We do not sell, rent, or trade your personal information to third parties for their marketing purposes.

When you click an affiliate link to a financial institution's website, you leave SmartCardOffers and become subject to that institution's own privacy policy and terms.

5. Data Retention

We retain personal data only as long as necessary to fulfil the purpose for which it was collected, or as required by law. Contact form submissions and newsletter subscriber information are deleted upon request. Analytics data is retained in aggregate form and not linked to identifiable individuals.

6. Your Rights Under PIPEDA

As a Canadian, you have rights under the Personal Information Protection and Electronic Documents Act (PIPEDA), including:

• The right to access the personal information we hold about you
• The right to correct inaccurate information
• The right to withdraw consent to the collection or use of your data
• The right to request deletion of your personal data

To exercise any of these rights, contact us at hello@smartcardoffers.ca. We will respond within 30 days.

7. Children's Privacy

SmartCardOffers is not directed at children under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will delete it promptly.

8. Changes to This Policy

We may update this Privacy Policy from time to time. The date at the top of this page reflects when it was last revised. Continued use of the site after changes constitutes your acceptance of the updated policy.

9. Contact

Questions or concerns about this policy? Contact us at hello@smartcardoffers.ca or visit our contact page.