Privacy Policy

Your privacy is our primary concern at Papyrus Planning. To provide the valuable planning services that we do, it is necessary for us to collect detailed financial information about you, your family and your businesses. How we treat and safeguard that personal information is paramount in earning your trust. This privacy policy is designed to be transparent and share with you what information we collect and how we treat and protect that information.

Use of Cookies

This website uses cookies to augment the user's experience while visiting the website.

Cookies are small files saved to the user's hard drives that track, save and store information about the user's interactions and usage of the website. This allows the website, through its server, to provide the users with a tailored experience within this website. Your web browser can disable the use of cookies and turning them off is at your sole discretion; however, it may affect how you interact with the website.

This website uses tracking software to monitor its visitors and better understand features they find interesting. The software will save a cookie to your computer's hard drive to track and monitor your engagement and usage of the website, but will not store, save or collect personal information.

Google Analytics

Among the types of Personal Data that this Application collects, by itself or through third parties, there are: cookie and usage data.

The Personal Data may be freely provided by the user or collected automatically when using this Application.

Any use of cookies—or of other tracking tools—by this Application or by the owners of third-party services used by this Application, unless stated otherwise, serves to identify users and remember their preferences, for the sole purpose of providing the service required by the user.

Failure to provide certain Personal Data may make it impossible for this Application to provide its services.

Users are responsible for any Personal Data of third parties obtained, published or shared through this Application and confirm that they have the third party's consent to provide the Data to the Owner.

CPP Calculator

When you submit your CPP Statement of Contributions or input the data manually, the data is stored for convenience so that you may edit and use your data for calculations. Your name and the month and year of your birth are also used. If you choose (and is applicable), the name, the month and year of your spouse and children are also used. All this data is necessary to calculate your CPP benefit. The day of the month you, your spouse (if applicable) and your children (if applicable) were born is not required and is never collected to maintain privacy.

Social insurance numbers (SINs) are also never collected and never needed.

At all times connected to CPPCalculator.com or CPPCalculator.ca your connection is encrypted using SSL. You may also further secure your log in using two-factor authentication. This can be turned on in the settings menu when logged in.

Financial Planning

To complete financial planning services thoroughly and professionally it is required to collect personal financial information about you, your family, and businesses. This information is only obtained from written, verbal, and statements provided by you. We have no reason to collect Social Insurance Numbers. However, it could be on documents submitted that contain necessary financial information such as tax returns, Canada Pension Plan statements, and other private payroll and pension statements. It is your responsibility to remove or black out that information before supplying these documents and statements.

Information Retained in Canada

All software used by Papyrus Planning that connects to the Internet is in data centres located in Canada, adhering to PIPEDA (Personal Information Protection and Electronic Documents Act) requirements. This includes financial planning software, email and online meeting software. Access to the information is governed by Canadian law and not in the jurisdiction of other countries.

The CPP Calculator server is in a secure Canadian data centre.

Retention time

The information you input in the CPP Calculator is stored, even if your subscription terminates. This allows you to subscribe and have access to your past data.

If you wish to terminate your subscription and have all data destroyed, this can be done on individual request.

Payment Information

All payment information including your address and credit card information is held by Stripe, Inc., an online payment processor. They have their own privacy policy. None of that data is retained in the CPP Calculator or by Papyrus Planning.

Remarketing

Google AdWords Remarketing Feature Conditions

This site may use the Google AdWords remarketing feature to reach visitors who have previously visited our site. To connect you with content that may be of interest, you should know that we may collect information for remarketing purposes. Third-party vendors, including Google, may show our ads on sites across the Internet. Third-party vendors, including Google, may use cookies to serve ads based on a user's past visits to our website.

Facebook Remarketing Feature Conditions

This site may use Facebook remarketing features to reach visitors who have previously visited our site. To connect you with content that may be of interest, you should know that we may collect information for remarketing purposes. Third-party vendors, including Facebook, may show our ads on sites across the Internet. Third-party vendors, including Facebook, may use cookies to serve ads based on a user's past visits to our website.

Contact and Communication

To maintain communication, you may opt-in to receive information, tools, education, training, newsletters and emails from Papyrus Planning. Your first name (sometimes also your last name) and email address are collected to provide this information and communication. This information may be held by service providers or data centres outside of Canada by email service providers.

If the information requested is physical in nature and not digital then information such as full name, address, city, province, postal code and telephone number may be collected in addition to your email address.

If you wish to no longer receive communication from Papyrus Planning then you have the ability to opt out in an automated way by clicking unsubscribe in our email messages. If you wish to terminate any other type of communication please contact us in writing.