Privacy Policy

Effective date: May 16, 2026
Last updated: May 16, 2026

CardNorth (“we,” “us,” or “our”) operates the website cardnorth.ca (the “Site”). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our Site, in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

By using cardnorth.ca, you consent to the practices described in this policy.

1. Information We Collect

1.1 Information Collected Automatically

When you visit cardnorth.ca, our servers and third-party analytics services automatically collect certain information about your visit, including:

• Your IP address (anonymised where technically possible)
• Browser type and version
• Operating system
• Referring URL
• Pages visited and time spent on each page
• Date and time of your visit
• Device type (desktop, mobile, tablet)

This information is collected to understand how visitors use our Site, to improve our content, and to diagnose technical issues. It does not identify you personally.

1.2 Information You Provide Voluntarily

If you contact us by email or through any contact form, we collect the information you provide — typically your name, email address, and the content of your message. We use this information solely to respond to your inquiry.

If you subscribe to our email newsletter or any email list operated by CardNorth, we collect your email address. You may unsubscribe at any time by clicking the unsubscribe link in any email we send you or by emailing us directly.

1.3 Cookies and Similar Technologies

cardnorth.ca uses cookies — small text files stored on your device — to operate the Site, analyse traffic, and serve personalised advertising. The types of cookies used on this Site include:

Essential cookies: Required for the Site to function correctly. These cannot be disabled.

Analytics cookies: We use Google Analytics 4 (GA4) to collect anonymised data about how visitors use our Site. GA4 uses cookies to track sessions and page views. The data collected is used in aggregate form and does not personally identify you. Google’s privacy practices are described at policies.google.com/privacy.

Advertising cookies: We participate in the Google AdSense advertising program. Google and its partners use cookies to serve ads based on your prior visits to this Site and other websites. Google’s use of advertising cookies is described at policies.google.com/technologies/ads.

You can opt out of personalised advertising by visiting Google’s Ads Settings or aboutads.info.

You can control or delete cookies through your browser settings. Disabling cookies may affect the functionality of some features of this Site.

2. How We Use Your Information

We use the information we collect to:

• Operate and improve cardnorth.ca
• Understand how visitors navigate our content
• Respond to your inquiries and email submissions
• Send you newsletters or updates, if you have subscribed
• Serve relevant advertising through Google AdSense
• Detect and prevent fraud, abuse, or security issues
• Comply with our legal obligations

We do not sell, rent, or trade your personal information to third parties for their independent marketing purposes.

3. Third-Party Services

cardnorth.ca uses the following third-party services that may collect information about you:

When you click on a credit card link or affiliate link on cardnorth.ca, you will be directed to the issuer’s or partner’s website. Those sites have their own privacy policies, and we are not responsible for their privacy practices.

4. Advertising

CardNorth participates in affiliate marketing programs and displays advertising through Google AdSense and potentially other networks. Advertisers and ad networks may use cookies, web beacons, and similar technologies to collect information about your activities on this Site and other websites to provide you with targeted advertising.

For more information about our advertising and affiliate relationships, see our Advertiser Disclosure.

Google AdSense: Google uses cookies to serve ads on our Site. Google’s use of the DART cookie enables it to serve ads to you based on your visit to cardnorth.ca and other sites on the Internet. You may opt out of the use of the DART cookie by visiting Google’s Ad and Content Network Privacy Policy.

5. Your Rights Under PIPEDA

As a Canadian resident, you have the right to:

• Access the personal information we hold about you
• Correct inaccurate or incomplete personal information
• Withdraw consent for certain uses of your personal information, subject to legal and contractual restrictions
• File a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca if you believe your rights have been violated

To exercise any of these rights, please contact us at [email protected]. We will respond to verified requests within 30 days.

6. Data Retention

We retain personal information only as long as necessary for the purposes for which it was collected or as required by law. Email correspondence is retained for up to two years. Analytics data collected through Google Analytics is subject to Google’s data retention settings.

7. Data Security

We take reasonable technical and organisational measures to protect information about you from loss, theft, misuse, and unauthorised access, disclosure, alteration, and destruction. However, no Internet transmission or electronic storage system is completely secure. We cannot guarantee absolute security of your information.

8. Children’s Privacy

cardnorth.ca is not directed at children under the age of 13. We do not knowingly collect personal information from children under 13. If you believe we have inadvertently collected information from a child under 13, please contact us immediately at [email protected].

9. Links to External Websites

Our Site contains links to other websites, including credit card issuers, financial institutions, and comparison resources. We are not responsible for the privacy practices of those sites. We encourage you to review the privacy policies of any third-party site you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last updated” date at the top of this page. We encourage you to review this policy periodically. Your continued use of cardnorth.ca after any changes constitutes your acceptance of the revised policy.

11. Contact Us

For questions, concerns, or requests related to this Privacy Policy or your personal information:

Email: [email protected]
Website: cardnorth.ca/contact/

We will acknowledge your inquiry promptly and respond substantively within 30 days.

This Privacy Policy is governed by the laws of Canada and the province of Ontario. It is written to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA), S.C. 2000, c. 5, and applicable provincial privacy legislation.