Cookie Policy
Last Updated: 2024. This policy explains how Oakmoss Living uses cookies and similar technologies to recognize you when you visit our website focused on debt consolidation services in Canada.
What are Cookies?
Cookies are small data files that are placed on your computer or mobile device when you visit a website. Cookies are widely used by website owners in order to make their websites work, or to work more efficiently, as well as to provide reporting information.
Cookies set by the website owner (in this case, Oakmoss Living) are called "first-party cookies." Cookies set by parties other than the website owner are called "third-party cookies." Third-party cookies enable third-party features or functionality to be provided on or through the website (e.g., advertising, interactive content, and analytics).
Legal Framework & Jurisdiction
Operating out of Toronto, Ontario, Oakmoss Living complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Ontario's Personal Health Information Protection Act (PHIPA) where applicable.
While Canada does not have a specific "Cookie Law" identical to the EU's ePrivacy Directive, the Office of the Privacy Commissioner of Canada (OPC) considers cookies to be "personal information" if they can be linked to an identifiable individual. Consequently, we adhere to the principles of meaningful consent as outlined in PIPEDA. For our international visitors, we also align our practices with the General Data Protection Regulation (GDPR) standards.
Categories of Cookies We Use
| Type | Purpose | Lifespan |
|---|---|---|
| Essential Cookies | Necessary for technical reasons to operate our debt consolidation calculators and secure forms. | Session |
| Performance & Analytics | Help us understand how visitors interact with our financial guides (e.g., Google Analytics). | 2 years |
| Marketing Cookies | Used to track visitors across websites to display relevant credit-related advertisements. | 1 year |
- Strictly Necessary: These are essential to provide you with services available through our Website and to use some of its features, such as access to secure areas.
- Analytics and Customization: These cookies collect information that is used either in aggregate form to help us understand how our Website is being used or how effective our marketing campaigns are.
Third-Party Cookies
In addition to our own cookies, we may also use various third-party cookies to report usage statistics of the Service, deliver advertisements on and through the Service, and so on. These entities may use cookies, web beacons, and other tracking technologies to collect information about your use of our website and other websites.
Notable third-party providers include:
- Google Analytics: For traffic analysis.
- Meta Pixel: For measuring the effectiveness of our social media outreach.
- Financial Tools: Embedded calculators may use cookies to remember your input values during a session.
How to Control Cookies
You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager.
You can also set or amend your web browser controls to accept or refuse cookies. If you choose to reject cookies, you may still use our website though your access to some functionality and areas of our website may be restricted (e.g., our interest rate calculators may not save your progress).
Browser-Specific Instructions:
Contact & Updates
We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please therefore re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.
If you have any questions about our use of cookies or other technologies, please email us at
Oakmoss Living
456 Oakmoss Avenue, Toronto, ON M5H 2N2
Toronto, ON, Canada
Phone: +1 (253) 932-6719