Privacy Policy
Last Updated: 2024
Legal Disclaimer: This Privacy Policy is a standardized template designed for Fairroot. It does not constitute legal advice. Users in Ottawa, Ontario, and Canada are encouraged to consult with a qualified legal professional regarding specific compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA).
1. Data Controller & Scope
Fairroot (referred to as "we", "us", or "our") operates the website and services related to student debt management for residents of Ottawa and across Canada. We are committed to protecting the privacy and security of your personal information.
This Privacy Policy describes how we collect, use, and disclose personal information in accordance with Canadian federal and provincial laws, specifically the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, the Ontario Freedom of Information and Protection of Privacy Act (FIPPA).
Company Details:
Entity: Fairroot
Address: 150 Metcalfe Street, Ottawa
Email:
2. Information We Collect
We collect information that identifies, relates to, or could reasonably be linked with you ("Personal Information"). The types of information we collect include:
- Identity Data: Name, surname, and title.
- Contact Data: Email address, telephone number, and residential address in Ottawa or other Canadian regions.
- Financial Information: General details regarding student loan balances, repayment status, and income levels provided voluntarily through our assessment forms.
- Technical Data: Internet Protocol (IP) address, browser type and version, time zone setting, browser plug-in types, operating system, and platform.
- Usage Data: Information about how you use our website, products, and services.
We do not collect "Sensitive Personal Information" (such as health data or biometric data) unless explicitly required for specific debt relief applications and with your express written consent.
3. Purpose & Legal Basis for Processing
Under PIPEDA, we process your data based on the following legal grounds:
Consent
When you fill out a contact form or subscribe to our newsletter regarding student debt resources.
Contractual Necessity
To provide the debt management consulting services you have requested from Fairroot.
Legal Obligation
To comply with Canadian financial regulations and tax reporting requirements.
Legitimate Interest
To improve our website functionality and provide relevant content to students in Ottawa.
4. Data Retention
We will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements.
To determine the appropriate retention period, we consider the amount, nature, and sensitivity of the personal data, the potential risk of harm from unauthorized use, and the applicable legal requirements under Ontario provincial law. Typically, client files are retained for a period of seven (7) years following the conclusion of our service agreement to comply with Canadian tax and audit standards.
5. Disclosure to Third Parties
Fairroot does not sell your personal data. We may share your information with:
- Service providers (IT hosting, analytics, CRM) acting as processors under our instruction.
- Professional advisers including lawyers, bankers, and auditors.
- Governmental bodies or regulatory authorities in Canada where required by law.
If we transfer data outside of Canada (e.g., to cloud servers in the US), we ensure a similar degree of protection is afforded to it by ensuring appropriate safeguards are in place, such as Standard Contractual Clauses.
6. Your Legal Rights
Under Canadian privacy laws, you have specific rights regarding your data:
Right to Access: You can request a copy of the personal data we hold about you.
Right to Correction: You can ask us to correct any incomplete or inaccurate data.
Right to Erasure: You can ask us to delete personal data where there is no good reason for us continuing to process it.
Right to Withdraw Consent: Where we are relying on consent, you can withdraw it at any time.
To exercise these rights, please contact our Privacy Officer at . We aim to respond to all legitimate requests within 30 days.
7. Contact & Cookies
Our website uses cookies to enhance user experience. For detailed information on the cookies we use and the purposes for which we use them, please see our Cookie Policy.
If you have any questions about this Privacy Policy or our privacy practices, please contact Fairroot: