Cookie Policy
1. Introduction and Scope
North Porch Paper ("we", "us", or "our") operates from Montreal, Quebec. This Cookie Policy explains how we use cookies and similar tracking technologies when you visit our website, which focuses on identifying errors in credit account closures and their impact on credit scores.
As an entity operating in Montreal, we comply with the federal Personal Information Protection and Electronic Documents Act (PIPEDA) and, more specifically, the provincial Act respecting the protection of personal information in the private sector (Law 25, formerly Bill 64). This policy ensures transparency regarding the data collected through your browser.
2. What are Cookies?
Cookies are small text files stored on your device (computer, tablet, or mobile) by your web browser. They allow websites to recognize your device and store information about your preferences or past actions. Under Quebec law, cookies that track or profile users require explicit opt-in consent.
3. Legal Basis for Processing
In accordance with Law 25 (Quebec), we process cookies based on the following:
- Strictly Necessary: Processed based on the necessity to provide the service you requested (exempt from consent).
- Functional, Analytical, and Marketing: Processed only after receiving your clear, proactive, and informed consent via our cookie banner.
4. Categorization of Cookies
| Category | Purpose | Lifespan |
|---|---|---|
| Strictly Necessary | Security, load balancing, and basic site navigation. Essential for accessing credit score analysis tools. | Session to 1 year |
| Analytical | Monitoring user interaction with "Account Closure Structural Failures" guides to improve content layout. | 24 hours to 2 years |
| Marketing/Profiling | Tailoring information about Montreal regulatory frameworks based on your browsing history. | Up to 1 year |
5. Third-Party Cookies
We may use third-party services such as Google Analytics or specialized credit monitoring API providers. These third parties may set their own cookies to track your activity across different websites. We do not control these cookies; however, we ensure that our partners comply with Quebec’s privacy standards regarding data transfers outside of the province.
6. Managing Your Preferences
You have the right to withdraw your consent at any time. You can manage your preferences through the following methods:
Browser Settings
Most browsers allow you to refuse or delete cookies. Note that disabling strictly necessary cookies may prevent our "Credit Architecture Glossary" or technical calculators from functioning correctly.
7. Data Retention and Deletion
Information collected via cookies is retained only as long as necessary to fulfill the purposes outlined above. Under Law 25, Montreal residents have the right to request the deletion of their personal data or the de-indexing of links associated with their name if the information is outdated or inaccurate.
8. Contact Information
If you have questions regarding this Cookie Policy or our data protection practices in Montreal, please contact our Privacy Officer:
Company: North Porch Paper
Address: 1250 René-Lévesque Blvd W, Montreal
Email:
Phone: +1 (401) 673-7093