Cookie Policy
Last Updated: 2024. This policy explains how Oak Harbor Living uses cookies and similar technologies to provide, customize, and improve our financial planning resources in Winnipeg, Canada.
Legal Notice: This document is governed by the laws of Manitoba and the federal laws of Canada, specifically the Personal Information Protection and Electronic Documents Act (PIPEDA). While we follow Canadian standards, our digital infrastructure also aligns with international best practices including the GDPR for our global visitors. This document is for informational purposes and does not constitute legal advice.
1. What are Cookies?
Cookies are small text files that are stored on your computer or mobile device when you visit a website. They allow the website to recognize your device and store certain information about your preferences or past actions.
In the context of Oak Harbor Living, cookies help us understand how residents of Winnipeg and across Canada interact with our budget planning tools, ensuring that your currency settings, local tax data, and saved calculations remain consistent across sessions.
2. How We Use Cookies
We use cookies to enhance your navigation experience and provide personalized financial insights. Specifically, we use them for:
- Maintaining your session while using the RESP calculators.
- Authenticating your access to premium education planning guides.
- Remembering your preference for Winnipeg-specific housing market data.
- Analyzing traffic patterns to improve our content delivery.
3. Categories of Cookies We Use
| Category | Purpose | Duration |
|---|---|---|
| Strictly Necessary | Essential for the website to function. These allow you to browse the site and use features like secure budget worksheets. These do not require user consent under PIPEDA. | Session to 1 year |
| Performance & Analytics | We use Google Analytics to collect anonymous information about how visitors use our guide to Canadian banking systems. This helps us identify which topics are most helpful. | 24 hours to 2 years |
| Functionality Cookies | Used to remember choices you make, such as your preferred language or your location (e.g., Manitoba vs Ontario) to tailor tax calculations. | Up to 6 months |
| Marketing Cookies | These track your online activity to help advertisers deliver more relevant advertising or to limit how many times you see an ad. We rarely use these for financial advice sites. | 1 year |
4. Third-Party Cookies
In some special cases, we also use cookies provided by trusted third parties. The following section details which third party cookies you might encounter through this site:
- Google Analytics: One of the most widespread and trusted analytics solutions on the web for helping us to understand how you use the site. See our tax evolution guide for how data impacts our research.
- Social Media: We use social media buttons and/or plugins on this site that allow you to connect with your social network. For these to work, social media sites will set cookies through our site.
5. Legal Basis
Under Canadian PIPEDA and Manitoba privacy standards, we rely on your "implied consent" for strictly necessary cookies by your continued use of the site. For analytical and marketing cookies, we seek your express consent via our cookie banner upon your first visit.
6. How to Control Cookies
Most web browsers allow you to control cookies through their settings preferences. However, if you limit the ability of websites to set cookies, you may worsen your overall user experience, as it will no longer be personalized to you.
• Chrome: Settings > Privacy and Security > Cookies
• Safari: Preferences > Privacy > Cookies
• Firefox: Options > Privacy & Security > Cookies
7. Contact Information
If you have questions about our Cookie Policy or how Oak Harbor Living handles your data in Winnipeg, please reach out to our privacy officer:
Address: 150 Henry Avenue, Winnipeg, MB R3B 0J7
Email:
Phone: +1 (514) 716-9501