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Cookie
Protocol

Garden Harbor Daily • Winnipeg Compliance

Effective Date: January 2024

1. Introduction to Digital Compliance

At Garden Harbor Daily, based in Winnipeg, Manitoba, we are committed to the highest standards of transparency regarding the data we collect. This Cookie Protocol explains how we use cookies and similar tracking technologies when you interact with our resources on personal debt management and credit card strategies.

Disclaimer: This document is a standard legal protocol and does not constitute formal legal advice. For specific legal concerns regarding privacy, please consult a qualified attorney in Manitoba.

2. Legal Framework and Jurisdiction

As a Canadian-based entity operating out of Winnipeg, our data processing activities are primarily governed by the Personal Information Protection and Electronic Documents Act (PIPEDA). Furthermore, since our debt management tools are accessible globally, we align our cookie practices with international benchmarks, including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).

Under Canadian law, "implied consent" may be used for non-sensitive data, but we strive for "express consent" regarding any tracking that is not strictly necessary for the site's core functionality.

3. Defining Cookies

Cookies are small text files stored on your device (computer, tablet, or smartphone) by your browser. They allow websites to recognize your device and store information about your preferences or past actions. At Garden Harbor Daily, we use these to ensure our debt calculators and strategy guides function correctly.

4. Classification of Cookies

Category A: Strictly Necessary

These enable core functionality such as security, network management, and accessibility. You cannot disable these through our settings.

  • Session ID: Maintains user state across page requests (Duration: Session).
  • Security: Prevents Cross-Site Request Forgery (CSRF) (Duration: 1 year).

Category B: Analytical & Performance

We use these to understand how visitors interact with our debt reduction strategies. This helps us identify which credit card guides are most effective.

  • Google Analytics: Aggregated traffic patterns (Duration: 2 years).
  • Heatmaps: Visualizing scroll depth on debt consolidation articles (Duration: 6 months).

Category C: Marketing & Retargeting

These cookies track your browsing habits to enable us to show advertising which is more likely to be of interest to you based on your financial interests.

  • Facebook Pixel: Conversion tracking for financial webinars (Duration: 90 days).
  • AdRoll: Displaying relevant debt relief resources on third-party sites (Duration: 1 year).

5. Third-Party Interactions

Some cookies are placed by third-party services that appear on our pages. We do not control these cookies directly. We recommend reviewing the privacy policies of:

  • Google Services (Analytics, YouTube embeds)
  • Social Media plugins (LinkedIn, Twitter)
  • Financial API providers used in our calculators

6. Managing Your Preferences

You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager or by adjusting your browser settings.

Browser Controls: Most browsers allow you to block or delete cookies. Follow the links below for instructions:

7. Retention and Security

The data collected through cookies is stored securely and retained only for as long as necessary to fulfill the purposes outlined in Section 4. We implement technical and organizational measures to protect your digital footprint from unauthorized access within the Winnipeg jurisdiction.

Contact and Queries

If you have questions about our use of cookies or other technologies, please contact Garden Harbor Daily at:

Address:

450 Broadway, Winnipeg, MB R3C 0V8

Email:

Phone:

+1 (883) 875-7292