Privacy Policy
Yard Ledger — Edmonton, Alberta Compliance
1. Introduction and Scope
Yard Ledger ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, and disclose personal information in the course of providing our services related to impulsive online purchase management and financial stability.
As Yard Ledger operates out of Edmonton, Alberta, our practices are governed by the Personal Information Protection Act (PIPA) of Alberta and, where applicable, the federal Personal Information Protection and Electronic Documents Act (PIPEDA). We also recognize international standards such as the GDPR for users accessing our services from the European Economic Area (EEA).
2. Data Controller and Contact
Yard Ledger is the organization responsible for your personal information. If you have questions about this policy or our privacy practices, please contact our Privacy Officer:
- Company: Yard Ledger
- Address: 10180 101 St NW, Edmonton, AB T5J 3S4
- Email:
- Phone: +1 (381) 551-8455
3. Information We Collect
To help you manage impulsive spending habits, we collect several types of information:
- Identity Data: Includes first name, last name, and username.
- Contact Data: Includes email address, telephone number, and billing address.
- Financial Intent Data: Information regarding your spending triggers, self-reported impulsive purchase history, and financial goals.
- Technical Data: IP address, login data, browser type and version, time zone setting, browser plug-in types, operating system, and platform.
- Usage Data: Information about how you use our website, resources, and educational materials.
4. Legal Basis for Processing
Under Alberta's PIPA and the GDPR, we must have a legal basis to process your data. We rely on the following:
Consent
When you voluntarily provide information via forms or subscribe to our newsletter.
Contractual Necessity
Where processing is necessary to provide the services you have requested from Yard Ledger.
Legitimate Interests
For improving our website functionality and ensuring the security of our digital environment.
Legal Obligation
Where we are required to comply with Canadian tax, anti-fraud, or regulatory laws.
5. Purpose of Data Use
Yard Ledger uses your data to:
- Provide personalized strategies to combat one-click impulse buying.
- Deliver educational content and financial audit tools.
- Communicate updates regarding our "Capital Preservation" and "Personal Asset Audit" programs.
- Monitor website traffic and optimize user experience (UX).
- Prevent fraudulent activities and unauthorized access to our resources.
6. Data Retention
We will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Generally, inactive accounts and associated data are purged after 24 months of inactivity, unless legal obligations dictate otherwise.
7. Third-Party Disclosures
We do not sell your personal data. We may share your data with:
- Service providers (hosting, email marketing services, analytics).
- Professional advisers (lawyers, auditors, insurers).
- Government authorities if required by the laws of Alberta or Canada.
Cross-Border Transfers: Some of our service providers may be located outside of Canada (e.g., in the USA). In such cases, your data may be subject to the laws of those jurisdictions.
8. Your Legal Rights
Depending on your location, you have rights under PIPA or GDPR, including:
Access: The right to request a copy of the personal data we hold about you.
Correction: The right to request that we correct any inaccurate or incomplete data.
Erasure: The right to request that we delete your personal data (the "right to be forgotten").
Withdrawal of Consent: Where processing is based on consent, you can withdraw it at any time.
To exercise these rights, please contact us via the details provided in Section 2. We will respond to all requests within 30 days as required by Alberta law.
9. Cookie Protocol
Our website uses cookies to distinguish you from other users. This helps us provide you with a good experience when you browse our site. For detailed information on the cookies we use and the purposes for which we use them, please see our Cookie Protocol.