1. Overview
This Privacy Policy describes how Wealth Tactical Ltd. ("Wealth Tactical," "we," "us," or "our") collects, uses, and protects personal information when you use wealthtactical.com, score.wealthtactical.com, or any associated product or content (collectively, the "Services").
We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) as applicable in Alberta, Canada. Users located in the European Economic Area may have additional rights under the GDPR; contact us at the address below to exercise those rights.
2. What Information We Collect
Information You Provide Directly
| Data | Where Collected | Purpose |
|---|---|---|
| First name | Calculator gate form | Personalizing email communications |
| Email address | Calculator gate form | Delivering score, email nurture sequence |
| Calculator inputs (income, expenses, savings, debt, income sources) | Calculator form fields | Generating your financial fragility score |
Important: Calculator inputs are processed locally in your browser to generate your score. Financial input values are not transmitted to our servers or stored in any database. Your name and email are transmitted to Kit (our email platform) for the purpose of delivering your results and subsequent educational content.
Information Collected Automatically
When you visit our websites, the following may be collected automatically:
| Data | Tool | Purpose |
|---|---|---|
| Page views, clicks, session duration | Google Analytics (via GTM) | Understanding how visitors use the site |
| Session recordings, heatmaps | Microsoft Clarity | Improving user experience |
| Ad interaction data | Facebook Pixel (via GTM) | Measuring ad performance |
| Ad interaction data | TikTok Pixel (via GTM) | Measuring ad performance |
These tools use cookies. See our Cookie Policy for full details. None of these tools receive your financial input values. Microsoft Clarity is configured to mask all financial input fields.
3. Legal Basis for Collection
We collect personal information for the following purposes under PIPEDA:
- To deliver a requested service: Generating your financial fragility score and emailing results
- To send educational communications: You expressly consent to receive email content when you submit the Calculator form (see Section 7)
- To improve the Services: Aggregate analytics data (no personally identifiable information)
- To measure marketing effectiveness: Ad pixel data (subject to cookie consent)
4. How We Use Your Information
- Deliver your fragility score and email results
- Send educational email content about career risk management and layoff financial preparation
- Notify you of new products or updates relevant to the content you subscribed to
- Improve the Calculator and website experience
- Comply with legal obligations
We do not sell your personal information to third parties.
5. Who We Share Information With
| Recipient | Purpose | Location |
|---|---|---|
| Kit (ConvertKit) | Email delivery and list management | United States |
| Gumroad | Payment processing and product delivery (purchasers only) | United States |
| Google (Analytics) | Aggregate usage analytics | United States |
| Microsoft (Clarity) | Session recording and UX analytics | United States |
| Meta (Facebook Pixel) | Ad performance measurement | United States |
| TikTok (Pixel) | Ad performance measurement | United States |
Each of these services has their own privacy policy. We share only what is necessary for the stated purpose.
6. Data Retention
| Data | Retention Period |
|---|---|
| Email address and name | Until you unsubscribe or request deletion |
| Analytics data | Per the respective platform's retention policy |
| Purchase records (Gumroad) | As required by applicable tax and business law |
7. Email Consent and CASL Compliance
By submitting the Calculator form, you provide express consent under Canada's Anti-Spam Legislation (CASL) to receive commercial electronic messages from Wealth Tactical, including educational content, product announcements, and promotional emails.
You may withdraw consent at any time by clicking the unsubscribe link in any email or by emailing growth@wealthtactical.com with "unsubscribe" in the subject line. Withdrawal of consent does not affect the lawfulness of messages sent before withdrawal.
8. Your Rights Under PIPEDA
You have the right to:
- Access the personal information we hold about you
- Correct inaccurate personal information
- Withdraw consent to receive commercial emails at any time
- Request deletion of your personal information (subject to legal retention requirements)
To exercise any of these rights, contact: growth@wealthtactical.com
We will respond within 30 days. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.
9. Cookies
We use cookies and similar tracking technologies on our websites. See our Cookie Policy for a full list of cookies, their purposes, and how to manage your preferences.
You will be asked for cookie consent before non-essential cookies (analytics, advertising) are activated.
10. Children's Privacy
The Services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from anyone under 18. If we become aware that a person under 18 has submitted personal information, we will delete it promptly.
11. Data Security
We implement reasonable technical and organizational safeguards to protect your personal information from unauthorized access, loss, or disclosure. However, no internet transmission or electronic storage method is completely secure, and we cannot guarantee absolute security.
12. Data Breach Notification
In the event of a data breach that creates a real risk of significant harm to you, we will notify you and the Office of the Privacy Commissioner of Canada as required under PIPEDA. Notification will be made without unreasonable delay.
13. AI-Generated Content
Some communications and content associated with Wealth Tactical are produced with artificial intelligence assistance. We do not use AI systems to make automated decisions about your personal information.
14. International Transfers
Our service providers (Kit, Google, Microsoft, Meta, TikTok) are located in the United States. By using the Services, you consent to the transfer of your personal information to the United States, which may have different privacy laws than your jurisdiction.
15. Changes to This Policy
We may update this Privacy Policy at any time. The most current version will always be posted at wealthtactical.com/legal/privacy. We will notify active email subscribers of material changes.
16. Contact
For privacy questions or to exercise your rights:
Wealth Tactical Ltd.
Email: growth@wealthtactical.com
Mailing Address: 225 Railway St E, #1, Cochrane, Alberta, Canada T4C 2A1