This Privacy Policy explains how JAGG Inc. ("we", "us", or "our") collects, uses, and protects information when you use YouCouldBeEarningMore.ca (the "Site"). By using the Site, you agree to the practices described in this policy.
1. Information We Collect
We collect only what is necessary to operate the Site and provide you with results.
Information you provide directly:
- Optional email address
- Your responses to the calculator.
This information is not linked to your identity unless you also provide your email.
Information collected automatically:
- Standard web analytics data including pages visited, time on site, browser type, device type, and general location (city/region level), collected through third-party analytics tools.
- IP address, collected automatically by our hosting provider and analytics tools.
- Anonymized session interaction data (mouse movements, clicks, scroll depth) used solely to improve the calculator experience.
2. How We Use Your Information
We use the information we collect for the following purposes:To send you your calculator results by email, if requested.To send follow-up reminder emails if you have not yet applied for a recommended card, in accordance with your consent under CASL.To analyze how users interact with the Site and calculator in order to improve the product.To monitor Site performance and diagnose technical issues.We do not use your information to build advertising profiles, sell data, or make automated decisions that affect you outside of the calculator's recommendation logic.
3. Email Communications & CASL Compliance
If you submit your email address through the Site, you are providing express consent under Canada's Anti-Spam Legislation (CASL) to receive:
- A transactional email containing your calculator results and recommended card.
- A follow-up reminder email if you have not clicked your referral link within 48 hours.
You may withdraw your consent and unsubscribe at any time by clicking the unsubscribe link in any email we send. Once unsubscribed, we will not send further marketing communications to your address.
We do not send unsolicited emails. We do not purchase email lists.
4. Affiliate Links & Third Parties
When you click an affiliate link on this Site and apply for a credit card, you are leaving our Site and entering a third party's website. That third party will collect information from you directly as part of their application process. Their data practices are governed by their own privacy policy, not ours.
Our affiliate networks may place tracking cookies on your browser when you click an affiliate link. These cookies are used to attribute approved applications to our Site for commission purposes. They do not collect personal information beyond what is needed for that attribution.
5. Cookies & Tracking Technologies
This Site uses the cookies and tracking tools including but not limited to:
Analytics cookies: Used to understand traffic patterns and user behaviour on an aggregated, anonymized basis.
Session interaction tracking: Used to record anonymized user sessions to improve the calculator experience. No personally identifiable information is captured in these recordings.
Affiliate tracking cookies: Placed when you click an outbound affiliate link. Used to track referrals for commission attribution.
You may disable cookies through your browser settings. Disabling cookies will not prevent you from using the calculator but may affect analytics tracking and affiliate attribution.
6. Data Sharing & Disclosure
We do not sell, rent, or trade your personal information. We may share information in the following limited circumstances:With our email service provider to deliver your results and any follow-up emails. This provider processes data on our behalf and is bound by its own privacy commitments.With analytics providers as described above, under their respective terms of service.
With affiliate networks for referral tracking purposes only.If required by law, court order, or government authority.In the event of a business transfer or sale, in which case user data would be transferred as part of that transaction and you would be notified.
7. Data Retention
We retain your email address and associated calculator results in our email platform for as long as you remain subscribed. If you unsubscribe, your email is suppressed and no further communications are sent. You may request full deletion at any time by contacting us.
Anonymized analytics data is retained according to the default retention settings of our analytics providers
8. Your Rights (PIPEDA)
Under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:
- Know what personal information we hold about you.
- Request access to your personal information.
- Request correction of inaccurate information.
- Withdraw consent to our use of your information, subject to legal or contractual obligations.
- Request deletion of your personal information, where we are not legally required to retain it.
To exercise any of these rights, contact us at justanothergrowthguy@gmail.com. We will respond within 30 days.
9. Data Security
We take reasonable technical and organizational measures to protect your information from unauthorized access, loss, or misuse. These include using reputable third-party service providers with their own security practices.
No method of transmission over the internet is 100% secure. While we do our best to protect your information, we cannot guarantee absolute security.
10. Children's Privacy
This Site is not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has submitted information through this Site, please contact us and we will delete it promptly.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes your acceptance of the revised policy.
12. Contact Information
If you have questions about this Privacy Policy or how we handle your information, please contact us at:
JAGG Inc.
Email: justanothergrowthguy@gmail.com
Province of Ontario, Canada