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Privacy Policy

Last Updated: 2026-09-27

At Valence Financial Planning ("we," "us," or "our"), a fee-only financial planning practice based in Ontario, Canada, we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or engage our financial planning services, in compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Information We Collect

We adhere strictly to the principle of data minimization: we only collect the minimum amount of personal information necessary to schedule appointments and deliver financial planning advice.

We collect information in two main ways:

A. Information You Provide Directly

  • Booking an Appointment: When you book an introductory meeting or session through our website form, we collect your email address and name (you are welcome to use a preferred name or alias rather than your full legal name).
  • Financial Planning Process: To build your financial plan, we collect high-level financial figures provided by you, such as estimated account balances, income figures, tax details, and expense summaries.

B. Website Analytics

  • Google Analytics: We run Google Analytics on our public website pages to understand visitor traffic and improve user experience. Google Analytics collects standard log information and visitor behavior in an anonymous form (e.g., pages visited, browser type, time spent on site).

2. How We Use Your Information

We use the collected information exclusively for the following purposes:

  • Scheduling, confirming, and conducting your financial planning meetings.
  • Authenticating your identity during the secure log-in process.
  • Preparing customized, objective financial planning analysis and recommendations.
  • Maintaining and improving our website performance and user experience.

We do not sell, rent, or trade your personal information to third parties, nor do we earn commissions or referral fees from third-party product providers.

3. Third-Party Service Providers

To operate our digital services securely and effectively, we share limited information with trusted service providers:

  • Resend: We use Resend as an email service provider to deliver authentication emails (such as TOTP log-in codes) and transactional system notices to your email address.
  • Google Analytics: Used for aggregated, non-identifying web traffic analysis.
  • Helcim: Invoices and payment processing.

All third-party service providers are contractually obligated to protect your data and are restricted from using your personal information for any purpose other than providing these essential services to us.

4. Data Storage & Hosting in Canada

All client financial data and internal database records are hosted and stored entirely within servers located in Canada. We implement physical, organizational, and technological safeguards (including encryption in transit and at rest) to protect your information against loss, theft, and unauthorized access.

5. Retention & Destruction of Data

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required to comply with legal, regulatory, professional, or accounting obligations. Once data is no longer required, it is securely deleted or anonymized.

Any documents sent to us are processed to extract only the necessary information, which is stored as outlined above. The document itself is deleted from our servers within 7 days.

6. Your Rights: Access, Correction & Deletion

Under PIPEDA, you have the right to request access to the personal information we hold about you, request corrections, or request that your data be deleted from our systems.

You may request access to, correction of, or the complete deletion of your data at any time by contacting our Privacy Officer:

We will respond to your request within 30 days of receipt.

7. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal obligations. The updated version will be indicated by the "Last Updated" date at the top of this page.