Effective Date: January 1, 2026
By using our website or submitting your personal information to Retirement Guru, you consent to the purposes and uses outlined in this Privacy Policy for which Retirement Guru collects, uses, shares, or discloses your personal information.
We may only share your personal information with other organizations when we have your consent. We may disclose personal information without consent when required by law, and any such disclosure will be limited to only what is legally required.
Visitors to Retirement Guru choose to interact with us in ways that may require us to gather personal information. You can browse our Website without providing personal information; however, certain services (such as downloading a free guide or requesting a consultation) may require it.
The personal information we ask for, and the reasons we ask for it, will be made clear to you at the point of collection. Information we may collect includes:
We use the information we collect to:
Retirement Guru is an independent educational resource. We do not sell retirement products or provide personalized financial advice. Information you provide will never be used to solicit financial products or shared with financial advisors or institutions.
Where you provide a mobile phone number and opt in to SMS communication, Retirement Guru may send you text messages strictly for transactional or educational purposes, including:
Under Canada's Anti-Spam Legislation (CASL), we obtain your express or implied consent before sending commercial electronic messages. Implied consent may apply to transactional messages where an existing business relationship exists; however, express consent is obtained at the point of submission for all marketing communications.
The security of your personal information is important to us. Retirement Guru has implemented commercially reasonable organizational, physical, and technological measures to protect your personal information against loss, misuse, or unauthorized alteration.
Please be aware that no method of electronic transmission or storage is 100% secure. While we strive to use acceptable means to protect your information, we cannot guarantee absolute security.
Like most websites, Retirement Guru automatically collects non-personally identifiable information to better understand how visitors use our site and to improve the experience we offer. This may include:
This information is collected in aggregate and cannot be used to identify you personally unless you have also provided personally identifiable information.
To enrich and improve your experience, Retirement Guru uses cookies and similar technologies to display relevant content and remember your preferences. Cookies help us identify and track visitor usage patterns and site-access preferences.
You can set your browser to refuse cookies before using our Website. Please note that some features may not function properly without cookies.
Our Website may contain links to third-party sites that are not operated by us. If you click a third-party link, you will be directed to that site. We strongly encourage you to review the Privacy Policy and terms of every site you visit.
Retirement Guru has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites or services.
Retirement Guru discloses personally identifiable information only to those employees, contractors, and service providers who:
Retirement Guru will not rent, sell, or share your personally identifiable information with financial advisors, institutions, or third-party marketers.
We may disclose information in response to a subpoena, court order, or other governmental request, or when we believe in good faith that disclosure is reasonably necessary to protect the rights or property of Retirement Guru, third parties, or the public.
If you have submitted your contact information through our Website, Retirement Guru may occasionally send you emails to share new educational resources, retirement planning insights, or updates relevant to your retirement timeline and region.
Retirement Guru is committed to complying with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation, including Quebec's Law 25 (Act to modernize legislative provisions as regards the protection of personal information).
As a Canadian resident, you have the right to:
To exercise any of these rights, please contact us using the information provided in the Contact section below. We will respond to your request within the timeframes required by applicable Canadian law.
Although most changes are likely to be minor, Retirement Guru may update this Privacy Policy from time to time at our sole discretion. We encourage you to check this page periodically for any changes.
Your continued use of this Website after any change to this Privacy Policy constitutes your acceptance of the revised policy.
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please reach out to us directly.
By providing your information to us or using our services, you acknowledge that you understand and agree to this Privacy Policy.