Privacy Policy

1. Introduction and Scope

Oakmoss Living ("we", "us", or "our") is committed to maintaining the accuracy, confidentiality, and security of your personal information. This Privacy Policy describes the personal information that we collect from or about you, how we use it, and to whom we disclose it.

In Canada, the Personal Information Protection and Electronic Documents Act (PIPEDA) sets out the ground rules for how private-sector organizations collect, use, and disclose personal information in the course of for-profit, commercial activities. Since our operations are based in Toronto, we also adhere to Ontario’s Personal Health Information Protection Act (PHIPA) where applicable, and general Canadian consumer protection standards.

2. Data Controller and Accountability

Oakmoss Living is responsible for the personal information under its control. We have designated a Privacy Officer who is accountable for our compliance with this Privacy Policy and applicable laws.

3. Information We Collect

To provide effective debt consolidation advice and financial restructuring services, we collect several types of information:

• Identity Data: Full name, date of birth, and government-issued identification (when required for credit checks).
• Contact Data: Email address, telephone number, and residential address in Canada.
• Financial Data: Current debt obligations, loan statements, interest rates, employment status, and income levels.
• Technical Data: IP address, browser type, time zone setting, and location data collected via cookies and tracking pixels.
• Usage Data: Information about how you use our website and services, including the "Debt Consolidation Guide Canada" and "Credit Profile Optimization" tools.

4. Legal Grounds and Purposes of Processing

Under Canadian law, we process your data based on Informed Consent. By using our website and submitting forms, you provide express or implied consent for the following:

• Service Delivery: To analyze your financial situation and provide a personalized debt consolidation strategy.
• Communication: To respond to inquiries and send updates regarding your credit restructuring application.
• Legal Compliance: To meet regulatory requirements related to anti-money laundering (AML) and "Know Your Client" (KYC) rules.
• Marketing: With your explicit "opt-in," we may send newsletters about interest rate trends in Ontario.

5. Data Retention and Security

We retain personal information only as long as necessary for the fulfillment of the purposes for which it was collected or as required by law (typically 7 years for financial records in Canada).

We employ high-level security measures including SSL encryption, firewalls, and restricted access protocols to protect your data from unauthorized access, loss, or theft.

6. Your Rights as a Data Subject

As a resident of Canada, you have specific rights regarding your personal information:

• Right to Access: You can request a copy of the personal information we hold about you.
• Right to Correction: You may request that we correct any inaccurate or incomplete information.
• Right to Withdraw Consent: You may withdraw your consent to our processing of your data at any time (subject to legal or contractual restrictions).
• Right to Complain: If you are unsatisfied with our response, you have the right to contact the Office of the Privacy Commissioner of Canada (OPC).

7. Disclosure to Third Parties

We do not sell your personal data. We may share your information with:

• Financial institutions and lenders (only with your explicit authorization for loan applications).
• Credit bureaus (to assess your credit profile).
• Service providers who assist in our operations (e.g., cloud storage, CRM systems).