Privacy Policy

1. Introduction and Scope

West Shed Journal ("we", "us", or "our") operates the website dedicated to optimizing Canadian credit card rewards and cashback programs. 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 the Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada and Ontario's Freedom of Information and Protection of Privacy Act (FIPPA) where applicable.

By using our services, you consent to the data practices described in this policy. This policy applies to all visitors, users, and others who access our content regarding Toronto-based financial strategies and credit card analytics.

2. Data Controller (Operator)

The entity responsible for your data is West Shed Journal. If you have any questions regarding this policy or our privacy practices, please contact our Privacy Officer:

• Address: 150 King St W, Toronto, ON M5H 1J9
• Email:
• Phone: +1 (548) 988-6024

3. Information We Collect

We collect information that identifies, relates to, or could reasonably be linked with you ("Personal Information"). This includes:

• Identifiers: Real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol (IP) address, email address, and account name.
• Usage Data: Information on how you interact with our cashback calculators, card comparison tools, and articles.
• Cookies and Tracking: We use cookies to enhance your experience and analyze site traffic. This includes session cookies and persistent cookies.
• Financial Context: While we do not store your credit card numbers, we may collect data you input into our "Reward Maximizer" forms, such as estimated monthly spending categories (groceries, gas, travel).

4. Legal Basis for Processing

Under Canadian law, we process your data based on the following legal grounds:

• Consent: When you subscribe to our Toronto credit newsletter or fill out a contact form.
• Contractual Necessity: To provide the specific services or information you requested regarding card selection criteria.
• Legitimate Interest: To improve our website's technical performance, ensure security, and prevent fraud.
• Legal Obligation: To comply with Canadian financial reporting or law enforcement requests.

5. Purposes of Data Collection

We use the collected data for the following specific purposes:

1. To provide and maintain our service, including monitoring usage.
2. To notify you about changes to our Canadian cashback protocols.
3. To provide customer support and respond to inquiries sent via our contact modules.
4. To gather analysis or valuable information so that we can improve our Comparative Data Sheets.
5. To detect, prevent, and address technical issues or security vulnerabilities.

6. Data Retention

West Shed Journal will retain your Personal Information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable Canadian tax laws), resolve disputes, and enforce our legal agreements and policies.

7. Disclosure and Transfer of Data

Your information, including Personal Information, may be transferred to — and maintained on — computers located outside of Ontario or Canada where the data protection laws may differ. However, we ensure that any third-party service providers (such as hosting or analytics) adhere to strict data protection standards.

We do not sell your personal data. We may disclose your data if required by law or in response to valid requests by public authorities (e.g., a court or a government agency in Toronto).

8. Your Rights Under PIPEDA

As a resident of Canada, you have specific rights regarding your personal information:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can request that we correct any inaccurate or incomplete information.
• Right to Withdraw Consent: You may withdraw your consent for data processing at any time, subject to legal or contractual restrictions.
• Right to Complain: You have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada (OPC) or the Information and Privacy Commissioner of Ontario.