Privacy Policy

1. Information we collect

We only collect the personal information we need to respond to you and to provide the services you request. This typically includes:

• Contact details you submit through our contact form or by email, such as your name, email address, and the content of your message.
• Booking information you provide when scheduling a call through our third-party booking tool (Calendly), such as your name, email, time zone, and any notes you add.
• Financial and personal information you voluntarily share with us during a consulting engagement (for example, income, assets, goals, or family details), only to the extent needed to provide the service.

This website does not use analytics, advertising cookies, tracking pixels, or third-party marketing trackers.

2. How we use your information

We use personal information only for the purposes for which it was collected, including to:

• respond to inquiries and provide the services you request;
• schedule and conduct consultations;
• prepare financial plans, reviews, or other deliverables;
• send you follow-up communications related to our engagement; and
• meet our legal, regulatory, and record-keeping obligations.

We do not sell your personal information. We do not use it for advertising, profiling, or automated decision-making.

3. Consent

By contacting us or engaging our services, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw your consent at any time, subject to legal and contractual restrictions, by contacting us at info@journeyfinancial.ca. Withdrawing consent may affect our ability to provide certain services.

4. Service providers

To operate our business we rely on a small number of trusted service providers, which may store or process personal information on our behalf:

• Calendly — for booking calls (calendly.com).
• Email and cloud storage providers — for correspondence and secure document exchange.
• Our website host — for delivering this website.

Some of these providers may store data outside of Canada, including in the United States. When personal information is held in another jurisdiction, it is subject to the laws of that jurisdiction and may be accessible to foreign courts, law enforcement, and government authorities.

5. Disclosure of information

We do not share, sell, or rent your personal information. We may disclose personal information only where:

• you have given us consent;
• a service provider needs it to help us deliver our services;
• required or permitted by law (for example, in response to a lawful request from a regulator, court, or government authority); or
• needed to protect our legal rights.

6. Safeguards

We take reasonable administrative, technical, and physical measures to protect personal information against loss, theft, and unauthorized access, use, or disclosure. These measures include restricting access to your information, using reputable service providers, and using secure channels for sensitive communications. No method of electronic transmission or storage is completely secure, so we cannot guarantee absolute security.

7. Retention

We keep personal information only as long as necessary to fulfill the purposes for which it was collected and to meet our legal and professional record-keeping obligations. Once no longer required, information is securely deleted or anonymized.

8. Your rights

Subject to certain legal exceptions, you have the right to:

• access the personal information we hold about you;
• request correction of information that is inaccurate or incomplete;
• withdraw your consent to our collection, use, or disclosure of your information; and
• request that we delete information we are not legally required to keep.

To exercise any of these rights, contact us at info@journeyfinancial.ca. We will respond within a reasonable time as required by PIPEDA.

9. Cookies

This website does not use tracking cookies, advertising cookies, or analytics cookies. Third-party tools we embed (such as the Calendly booking widget) may set their own cookies when you interact with them, governed by their own privacy policies.

10. Children

Our services are directed at adults. We do not knowingly collect personal information from children under the age of 18 without parental consent.

11. Changes to this policy

We may update this Privacy Policy from time to time. The "Last updated" date at the top of the page indicates when it was most recently revised. Material changes will be reflected on this page.

12. Contact & privacy officer

Laura Recoskie serves as the individual accountable for our compliance with PIPEDA. For questions, requests, or concerns about your personal information or this policy, please contact:

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at priv.gc.ca.