Disclaimer: This document outlines how Brass & Broom uses tracking technologies to facilitate debt management strategies and credit card optimization services in Halifax. This is a template for informational purposes and does not constitute legal advice.
1. Introduction and Scope
At Brass & Broom, we believe in complete transparency regarding how we collect and process your data. This Cookie Policy explains how we use cookies and similar tracking technologies when you visit our website to access debt analysis tools, credit scoring algorithms, and Nova Scotia financial literacy resources.
As a Halifax-based entity, we operate under the Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada. We are committed to protecting the privacy of our users while providing a personalized experience for managing personal debt and credit card interest models.
2. What are Cookies?
Cookies are small text files stored on your device (computer, tablet, or smartphone) by your browser. They allow websites to "remember" your actions or preferences over time. In the context of Brass & Broom, cookies help us understand which debt repayment strategies (like the Snowball Method) are most relevant to our Halifax audience and ensure our interest calculators function correctly.
3. Categories of Cookies We Use
3.1 Strictly Necessary Cookies
These are essential for the operation of the website. They enable basic functions like page navigation and access to secure areas of the site.
- Example: Session identifiers for debt analysis forms.
- Duration: Mostly session-based (deleted when browser closes).
- Requirement: Cannot be disabled as the site will not function.
3.2 Analytical & Performance Cookies
These allow us to recognize and count the number of visitors and see how they move around our site. This helps us improve our financial literacy resources.
- Example: Google Analytics tracking for Snowball Method engagement.
- Duration: 30 days to 2 years.
- Requirement: Requires user consent under modern privacy standards.
3.3 Functional Cookies
Used to recognize you when you return to our website. This enables us to personalize our content for you (e.g., remembering your Halifax region preferences).
- Example: Saving progress on Interest Calculators.
- Duration: Up to 1 year.
4. Legal Basis for Processing
Under Canadian law (PIPEDA), we process cookies based on your implied or express consent. For non-essential cookies (Analytics and Marketing), we seek your express consent through our cookie banner upon your first visit. Strictly necessary cookies are processed based on the necessity to provide the service you have requested (e.g., calculating debt ratios).
5. Third-Party Cookies
Some cookies are placed by third-party services that appear on our pages, such as Equifax or TransUnion scoring widgets or social media sharing buttons. We do not control these cookies. We recommend checking the third-party websites for more information about their cookies and how to manage them.
6. Managing Your Preferences
You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences by clicking the button below or by adjusting your browser settings.
7. Browser Controls
Most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org.
- Google Chrome: Settings > Privacy and Security > Cookies
- Apple Safari: Preferences > Privacy > Cookies
- Mozilla Firefox: Options > Privacy & Security > Cookies
8. Contact Information
If you have any questions about our use of cookies or other tracking technologies, please contact our Privacy Officer at Brass & Broom:
Company: Brass & Broom
Address: 1583 Hollis Street, Halifax
Email:
Phone: +1 (496) 146-4676