Cookie Policy
Last Updated: 2024. This policy explains how Northbrook Journal uses cookies and similar technologies to provide, customize, and improve our services regarding mortgage accumulation strategies in Ottawa.
1. Introduction & Legal Framework
This Cookie Policy applies to the Northbrook Journal website. As we operate primarily within Ottawa, Ontario, our data practices are governed by the Canadian federal Personal Information Protection and Electronic Documents Act (PIPEDA) and where applicable, the Digital Privacy Act.
When you visit our site to learn about down payment strategies, Registered Savings Accounts, or Ottawa district budgeting, we use cookies to ensure the website functions correctly and to analyze traffic patterns. Under Canadian law, "implied consent" may be used for strictly necessary cookies, while "express consent" is sought for tracking and marketing cookies that involve more sensitive data collection.
2. What are Cookies?
Cookies are small text files stored on your device (computer, tablet, or smartphone) by your web browser when you visit a website. They allow the website to recognize your device and store certain information about your preferences or past actions.
First-party Cookies
Set directly by Northbrook Journal to enable core site features like navigation and secure areas.
Third-party Cookies
Set by external services we use for analytics, social media integration, or advertising.
3. How We Use Cookies
| Category | Purpose | Lifespan |
|---|---|---|
| Strictly Necessary | Essential for the website to function. These allow you to navigate the site and use features like our mortgage calculators. They do not gather information about you that could be used for marketing. | Session to 1 year |
| Performance & Analytics | We use Google Analytics to understand how visitors interact with our content on saving for a first home. This helps us improve the user experience and content relevance for Ottawa residents. | 24 hours to 2 years |
| Functional Cookies | These cookies allow our website to remember choices you make (such as your preferred language or the last district you searched in Ottawa) to provide a more personalized experience. | Up to 1 year |
| Targeting & Advertising | Used to deliver advertisements more relevant to you and your interests in the Canadian real estate market. They also limit the number of times you see an ad and help measure the effectiveness of campaigns. | Varies (30 days to 1 year) |
4. Legal Basis for Processing
In accordance with the Office of the Privacy Commissioner of Canada (OPC) guidelines on online behavioral advertising, Northbrook Journal relies on the following:
- Legitimate Interest: For strictly necessary cookies that ensure the security and basic functionality of the website.
- Express Consent: For tracking, analytical, and marketing cookies. By clicking "Accept" on our cookie banner, you provide express consent for these activities.
- Withdrawal: You have the right to withdraw your consent at any time through our settings or by clearing your browser cache.
5. Managing Your Preferences
Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service, such as saved calculations in our Down Payment Calculations tool.
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6. Third-Party Cookies
Our site may include content from third parties (e.g., YouTube for instructional videos on FHSA accounts or Google Maps for Ottawa District Budgeting). These third parties may set their own cookies to track your interaction with their content. Northbrook Journal does not control these cookies. We recommend checking the respective third-party websites for more information about their cookie policies.
7. Contact Information
If you have any questions about our use of cookies or this policy, please contact our Data Protection Officer at:
Northbrook Journal
Address: 150 Elgin St, Ottawa, ON K2P 1L4
Email:
Phone: +1 (534) 336-8049