Privacy Policy

Overview

Loonie Nest is owned and operated by Ventrous Labs Inc. ("we," "our," or "us"). We are committed to protecting your privacy. This Privacy Policy explains how we handle information when you use our website and calculators at LoonieNest.com (the "Service").

The short version: We don't collect or store your personal financial data. All calculations happen in your browser. We do collect de-identified usage data from completed calculator submissions to help improve our calculators, but this information cannot be used to identify you.

Information We Don't Collect

Our calculators are designed to be privacy-first. When you use our retirement calculators:

• Your financial data (income, savings, assets) entered during the session stays in your browser and is not transmitted to us.
• After completing the calculator, we collect de-identified, aggregated usage data (such as age, province, sex, retirement assumptions, etc.) to help improve our calculators. This data cannot identify you.
• We do not create user accounts or profiles.
• We do not sell or share your calculator data.

Information We May Collect

Like most websites, we may collect limited technical information to help us improve the Service:

Calculator Usage Analytics

When you complete a calculator submission, we collect de-identified usage data, including:

• Age, sex, and province
• Retirement assumptions (retirement age, CPP/OAS start age, pension, risk level)
• Rounded financial inputs (total savings, monthly spending, LIRA, home equity)
• Calculated outputs (financial status, monthly net income, savings depletion age)
• Submission date and time
• Funnel and attribution information (entry point, optional UTM parameters)

This data is stored in aggregate form and is used only to improve the calculators and understand usage patterns. It cannot be used to identify individual users.

Information You Provide

If you choose to provide your contact information to Loonie Nest, such as your email address, when signing up for a waitlist, completing a form, or reaching out to us, we collect and process it only with your consent. We use this information solely for the purpose you provided, such as responding to your inquiry or sending relevant notifications. We do not sell, trade, or share your contact information with third parties. You may request access to, updates for, or deletion of your personal contact information at any time by contacting us directly.

Technical Data

Standard server logs may include IP addresses, browser type, and referring pages. This data is used only for security and performance monitoring.

Cookies and Session Storage

Our calculators use your browser's session storage to:

• Remember your calculator inputs during a session

Some information may be stored temporarily in your browser to ensure the site functions correctly while you use it. This information stays on your device and is automatically cleared when you close your browser. It is not used to identify you and is not shared with us.

We also use first-party cookies to understand how visitors arrive at our website (for example, from a search engine or social media). This cookie does not contain personal information, is not used for advertising, and expires automatically after a short period of time. You can manage or delete cookies at any time through your browser settings.

Note: Google Analytics 4 (GA4) may set cookies to track website usage. These cookies are managed by Google and are separate from our calculator session storage. You can opt out of GA4 tracking via your browser settings or Google's opt-out tools.

Third-Party Services

Our website uses third-party services for hosting, analytics, and functionality. These services have their own privacy policies. We select services that respect user privacy and minimize data collection.

• Google Analytics 4 (GA4): GA4 collects data such as pageviews, clicks, referral source, and device/browser information. This data is aggregated and anonymized and does not include personal financial data. For more information, see Google's Privacy Policy.
• Neon: We use Neon to host our PostgreSQL database, which stores de-identified calculator analytics securely. Neon provides encrypted, enterprise-grade hosting and adheres to recognized security and privacy standards. For more information, see Neon's privacy documentation.
• Vercel Analytics: We use Vercel Analytics for performance monitoring and basic usage statistics. Vercel's privacy practices are outlined in their Privacy Policy.

Data Security

We use HTTPS encryption for all connections to our website. Since we don't collect your financial data, there's minimal risk of sensitive information being compromised. However, please be aware that no internet transmission is 100% secure.

Your Rights

Under British Columbia's Personal Information Protection Act (PIPA) and Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have rights regarding your personal information, including:

• The right to know what personal information we hold about you
• The right to request correction of inaccurate information
• The right to withdraw consent for data collection

If you have voluntarily provided contact information (for example, via a form or waitlist), you may contact us to request access, correction, or deletion. For de-identified analytics, there is no personal information tied to you. If you have questions, please contact us.

Children's Privacy

Our Service is not directed at children under 13. We do not knowingly collect information from children.

Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any significant changes by posting the new policy on this page and updating the "Last updated" date.

Contact Us

If you have questions about this Privacy Policy, please contact us at: