Cookie Policy for ANCHORWEALTH SOLUTIONS

Last Updated: May 29, 2025

ANCHORWEALTH SOLUTIONS ("we," "us," or "our") uses cookies and similar technologies on our website, www.anchorwealthsolutions.com (the "Website"), to enhance your experience, improve our services, and analyze usage. This Cookie Policy explains what cookies are, how we use them, and how you can manage your cookie preferences. This policy is part of our commitment to transparency and compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and British Columbia’s Personal Information Protection Act (PIPA).

By using our Website, you consent to the use of cookies as described in this policy, unless you opt out as outlined below. For more details on how we handle personal information, please see our Privacy Policy.

1. What Are Cookies?

Cookies are small text files stored on your device (e.g., computer, smartphone, or tablet) when you visit a website. They help websites remember your preferences, track usage, and provide personalized features. Similar technologies, such as web beacons, pixel tags, or local storage, may also be used to collect information about your interactions with the Website.

2. Types of Cookies We Use

We use the following types of cookies on our Website:

2.1 Essential Cookies

Purpose: These cookies are necessary for the Website to function properly, enabling features like navigation, secure access to account areas, and form submissions.
Examples: Session cookies, authentication cookies.
Duration: Typically temporary (session cookies) and deleted when you close your browser.
Consent: These cookies do not require your consent as they are essential for the Website’s operation.

2.2 Functional Cookies

Purpose: These cookies enhance your experience by remembering your preferences, such as language settings or form inputs.
Examples: Cookies that save your preferred currency display or login preferences.
Duration: May persist between sessions (persistent cookies) to maintain your settings.
Consent: We obtain your consent before using these cookies, as required by PIPEDA and PIPA.

2.3 Analytics Cookies

Purpose: These cookies collect information about how you use the Website, such as which pages you visit, how long you stay, and any errors you encounter. This helps us improve the Website’s performance and user experience.
Examples: Cookies used by third-party analytics services like Google Analytics to track aggregated usage data.
Duration: May be session-based or persistent, depending on the tool.
Consent: We obtain your consent before using these cookies, and data is anonymized where possible to protect your privacy.

2.4 Third-Party Cookies

Purpose: These cookies are set by third-party services we use, such as analytics providers or payment processors, to support Website functionality or services.
Examples: Google Analytics cookies, payment gateway cookies.
Duration: Varies depending on the third party’s settings (typically persistent).
Consent: We obtain your consent before allowing third-party cookies, and we ensure third parties comply with Canadian privacy laws.

3. How We Use Cookies

We use cookies to:

Ensure the Website operates effectively and securely, such as enabling secure login for financial services accounts.
Remember your preferences to provide a personalized experience, such as saving your contact form inputs.
Analyze Website performance and usage to improve our services, including identifying popular content or technical issues.
Support financial transactions, such as securely processing payment information through third-party gateways.
Comply with legal and regulatory requirements, such as tracking consent under PIPEDA and PIPA.

4. Personal Information and Cookies

Some cookies may collect personal information, such as your IP address, device information, or browsing behavior. We handle this information in accordance with our Privacy Policy and applicable privacy laws. Key points include:

Anonymization: Where possible, we anonymize data collected by analytics cookies to prevent identification of individuals.
Cross-Border Data Transfers: Some third-party services (e.g., Google Analytics) may process data outside Canada, such as in the United States. Such data may be subject to foreign laws (e.g., USA Patriot Act). We ensure third parties implement safeguards consistent with Canadian privacy standards.
Sensitive Information: Cookies related to financial services (e.g., payment processing) are encrypted and handled with heightened security measures.

5. Managing Your Cookie Preferences

You can control how cookies are used on our Website:

Consent Banner: When you first visit our Website, you will see a cookie consent banner allowing you to accept or customize your cookie preferences. You can modify these preferences at any time through the Website’s cookie settings [insert link to cookie settings, if applicable].
Browser Settings: Most browsers allow you to block or delete cookies. Instructions vary by browser:
- Google Chrome: Settings > Privacy and Security > Cookies and Other Site Data
- Firefox: Options > Privacy & Security > Cookies and Site Data
- Safari: Preferences > Privacy > Cookies and Website Data
- Microsoft Edge: Settings > Cookies and Site Permissions
Opt-Out Tools: For analytics cookies, you can opt out of specific third-party tracking, such as Google Analytics, by visiting their opt-out pages (e.g., Google Analytics Opt-Out).

Note: Disabling essential cookies may affect the Website’s functionality, such as preventing access to secure areas or form submissions.

6. Third-Party Cookies and Services

We use third-party services that may set cookies on our Website, including:

Google Analytics: To analyze Website usage and performance. Google Analytics may process data outside Canada, and we ensure compliance with PIPEDA through contractual safeguards.
Payment Processors: To facilitate secure financial transactions, such as e.g., Stripe. These cookies are essential for processing payments securely.

Third-party services are contractually obligated to protect your information and comply with Canadian privacy laws. For more details, review the privacy policies of these providers.

7. Retention of Cookie Data

Cookie data is retained only as long as necessary for the purposes outlined in this policy or as required by law:

Essential Cookies: Deleted when you close your browser (session cookies).
Functional and Analytics Cookies: Retained for a period defined by their purpose, typically up to 24 months, unless you opt out or delete them sooner.
Legal Requirements: We may retain cookie data longer if required for compliance with tax or financial regulations (e.g., under the Income Tax Act).

When cookie data is no longer needed, it is securely deleted or anonymized.

8. Your Rights

Under PIPEDA and PIPA, you have rights regarding personal information collected via cookies, including:

Access: Request details about the personal information we collect through cookies.
Correction: Request corrections to inaccurate personal information.
Complaint: File a complaint if you believe we have mishandled your information.

To exercise these rights, contact our Privacy Officer (details below). We will respond within 30 days, as required by PIPA.

9. Changes to This Cookie Policy

We may update this Cookie Policy to reflect changes in our practices, technology, or legal requirements. The updated policy will be posted on our Website with the "Last Updated" date. We encourage you to review this policy periodically.

10. Contact Us

For questions, concerns, or requests regarding this Cookie Policy or our use of cookies, please contact our Privacy Officer:

ANCHORWEALTH SOLUTIONS Privacy Officer
Email: CEO@anchorwealthsolutions.com
Phone: 672-204-4806

If you are not satisfied with our response, you may contact:

Office of the Privacy Commissioner of Canada (for PIPEDA-related issues):
30 Victoria Street, Gatineau, QC K1A 1H3
Toll-free: 1-800-282-1376
Website: www.priv.gc.ca
Office of the Information and Privacy Commissioner for British Columbia (for PIPA-related issues):
PO Box 9038, Stn. Prov. Govt., Victoria, BC V8W 9A4
Phone: 250-387-5629
Website: www.oipc.bc.ca

By continuing to use our Website, you acknowledge that you have read and understood this Cookie Policy. Thank you for trusting ANCHORWEALTH SOLUTIONS Inc.