Last updated: March 2026

Who we are

LoonieSmart (looniesmart.com) is a Canadian personal finance website. When we refer to “we”, “us” or “our” in this policy, we mean the team behind LoonieSmart.

What information we collect

We collect information in two ways:

• Information you give us directly — such as your email address if you sign up for our newsletter, or any details you include in a contact form message.
• Information collected automatically — such as your IP address, browser type, pages visited, and time spent on the site. This is collected via Google Analytics and similar tools.

How we use your information

• To send you email newsletters you have opted into (you can unsubscribe at any time)
• To respond to messages you send us via the contact form
• To understand how visitors use our site so we can improve it
• To comply with legal obligations

We do not sell your personal information to any third party. We do not use your data for advertising targeting purposes.

Cookies

LoonieSmart uses cookies to operate the website and to collect anonymous analytics data. The types of cookies we use include:

• Essential cookies — required for the website to function
• Analytics cookies — used by Google Analytics to understand how visitors use our site (anonymised)
• Affiliate tracking cookies — placed when you click an affiliate link, to track referrals to our partner institutions

You can control cookies through your browser settings. Disabling cookies may affect some site functionality.

Third-party services

We use the following third-party services that may collect data:

• Google Analytics — website analytics (anonymised IP addresses)
• ConvertKit / MailerLite — email newsletter management
• CJ Affiliate, Rakuten Advertising, Impact.com — affiliate tracking for partner institutions

Each of these services has its own privacy policy. We encourage you to review them if you have concerns.

Your rights under PIPEDA

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

• Know what personal information we hold about you
• Request corrections to your personal information
• Withdraw consent for us to use your information (subject to legal requirements)
• File a complaint with the Office of the Privacy Commissioner of Canada

To exercise any of these rights, please contact us.

Data retention

We retain email addresses on our newsletter list until you unsubscribe. Contact form submissions are retained for up to 12 months. Analytics data is retained in accordance with Google Analytics default settings (26 months).

Changes to this policy

We may update this privacy policy from time to time. The “last updated” date at the top of this page will reflect any changes. We will not notify you of minor changes, but significant changes to how we use your data will be communicated via our newsletter.

Contact

If you have any questions about this privacy policy or how we handle your data, please contact us.