Cookie Policy
Last Updated: 2024
1. Introduction & Scope
Welcome to Porch Stitch. We specialize in providing guidance for residents of Ottawa dealing with collection agencies and debt-related challenges. This Cookie Policy explains how we use cookies and similar tracking technologies when you visit our website.
Operating in Ottawa, Ontario, we comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Ontario’s provincial privacy principles. While Canada does not have a specific "Cookie Law" like the EU's ePrivacy Directive, PIPEDA requires meaningful consent for the collection, use, and disclosure of personal information via cookies.
2. What are Cookies?
Cookies are small text files stored on your computer or mobile device when you visit a website. They are widely used to make websites work more efficiently, as well as to provide reporting information and assist with personalization. In the context of debt relief resources, cookies help us remember if you have already viewed our guide on the Ontario 2-year limitation period so we don't show you the same pop-ups repeatedly.
3. Categories of Cookies We Use
| Category | Purpose | Duration |
|---|---|---|
| Strictly Necessary | Essential for the website to function. Includes security filters and session management. | Session |
| Analytical | Helps us understand how Ottawa users interact with our debt relief tools. | 1-2 Years |
| Marketing | Used to track visitors across websites to display relevant ads regarding collection rights. | 6 Months |
4. Legal Basis for Processing
Under PIPEDA and the Office of the Privacy Commissioner of Canada (OPC) guidelines, Porch Stitch relies on:
- Implied Consent: For cookies that are strictly necessary for the technical operation of the site.
- Express Consent: For non-essential cookies (analytical and marketing). We obtain this via our cookie banner when you first visit our site from an Ottawa-based IP or elsewhere.
5. Managing Your Preferences
You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences by clicking the button below:
Browser Settings
Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all cookies or to indicate when a cookie is being sent. Note that disabling cookies may affect the functionality of our Ottawa debt relief resources.
- Chrome: Settings > Privacy and Security > Cookies
- Safari: Preferences > Privacy > Block all cookies
- Firefox: Options > Privacy & Security > Cookies
- Edge: Settings > Site permissions > Cookies
6. Contact Information
If you have questions about our use of cookies or how we protect your data while you navigate Equifax and TransUnion reporting issues, please contact us:
Porch Stitch Privacy Office
Address: 150 Metcalfe St, Ottawa, ON K2P 1P1
Email:
Phone: +1 (305) 822-9255
Disclaimer: The information provided on this page regarding Canadian and Ontario law is for informational purposes only and does not constitute legal advice. For specific legal issues regarding debt collection in Ottawa, please consult with a qualified legal professional.