Who we are

LoonieLabs is a Canadian financial information site published by an independent editorial team based in Winnipeg, Manitoba. This policy describes what we collect, how we use it, and the choices you have. Privacy questions can be sent to privacy@loonielabs.ca.

What we collect

We do not require accounts and do not ask for personal information to use any calculator. Calculator inputs such as income, age, contributions, rates, balances, or family details are processed in your browser and are not sent to our servers.

In the current launch build, we collect only:

• Google Analytics page and event measurement only after you accept analytics cookies in the cookie banner. Google Consent Mode starts analytics storage as denied until a valid choice is saved.
• Standard hosting and security logs, such as IP address and user agent, processed by Vercel for security, abuse prevention, and delivery of the site.
• Anything you voluntarily send us by email or through a contact link.

Newsletter signups, product waitlists, gated downloads, and roadmap database writes are currently paused, so no personal information is collected through those features.

Cookies and similar technologies

You control optional cookies through the cookie banner or the "Cookie preferences" link in the footer.

• Necessary - theme preference and the consent record itself, stored in browser localStorage. These keep the site working.
• Analytics - Google Analytics page and event measurement. Analytics is denied by default and starts only after you accept it in the banner or cookie preferences. Calculator query strings are not sent in GA pageview URLs.
• Advertising - when advertising is enabled, Google AdSense and certified partners may use cookies to deliver, measure, and protect ads. Consent Mode starts denied until you accept advertising, and ad personalization remains denied in the current launch configuration.

Google AdSense and DoubleClick

LoonieLabs is preparing to use Google AdSense. Third-party vendors, including Google, may use cookies or similar technologies to serve ads based on prior visits to this site or other websites after the ad script is intentionally enabled.

• Google may use advertising cookies, including the DoubleClick DART cookie.
• Google may measure ad performance and protect against invalid traffic or fraud.
• If you decline advertising cookies in our banner, we ask Google to use denied ad storage. LoonieLabs also keeps ad personalization denied even when advertising storage is accepted.

You can opt out of personalized advertising in Google Ads Settings. You can also review Google's explanation of how it uses information from sites and apps that use Google services at policies.google.com/technologies/partner-sites.

Third-party vendors

We use Google Analytics, Google AdSense when enabled for review or approval, and Vercel for hosting, CDN delivery, analytics, and performance monitoring. Vercel Analytics and Vercel Speed Insights are cookieless and aggregate performance-oriented services. We do not sell, rent, or trade personal information for marketing purposes.

How we use what we collect

Analytics helps us understand which calculators and guides are useful. Hosting logs help keep the site secure. Messages you send us are used to respond to you. We do not build individual visitor profiles from calculator inputs.

Your rights

You may ask us to access, correct, or delete personal data we hold about you.

• Withdraw analytics or advertising consent by reopening cookie preferences.
• Contact us at privacy@loonielabs.ca for privacy requests.
• File a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca.

CASL compliance

We do not send unsolicited commercial email. If a newsletter or waitlist returns later, it will require express opt-in and will include a clear unsubscribe path.

Children's privacy

Our content is intended for adults making financial decisions. We do not knowingly collect data from anyone under 13. If you believe a child has provided us information, email us and we will delete it.

Changes to this policy

When this policy changes materially, we update the last-updated date and may re-prompt the consent banner so you can review your choices.

Contact

Privacy questions: privacy@loonielabs.ca. General questions: hello@loonielabs.ca.