Privacy Policy

1. Introduction

Tour Dreamscape ("we," "our," or "us") is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at tour-dreamscape.com or use our financial planning services.

This policy complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation in Canada.

2. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Income details, debt information, investment goals, risk tolerance
• Identification Information: Date of birth, Social Insurance Number (when required for tax planning)
• Communication Records: Records of our conversations, emails, and service interactions
• Technical Information: IP address, browser type, device information, usage data

How We Collect Information

• Directly from you through forms, consultations, and communications
• Automatically through cookies and analytics tools
• From third parties with your consent (e.g., financial institutions)
• Through publicly available sources when relevant to our services

3. How We Use Your Information

We use your personal information for the following purposes:

• Service Delivery: Providing financial planning, budgeting advice, and investment guidance
• Communication: Responding to inquiries, sending newsletters, and providing updates
• Legal Compliance: Meeting regulatory requirements and tax reporting obligations
• Website Improvement: Analyzing usage patterns to enhance user experience
• Marketing: Sending relevant financial tips and service updates (with consent)
• Security: Protecting against fraud and unauthorized access

4. Information Sharing and Disclosure

We do not sell, trade, or rent your personal information to third parties. We may share your information in the following circumstances:

Service Providers

We may share information with trusted third-party service providers who assist us in:

• Website hosting and maintenance
• Email marketing services
• Analytics and performance monitoring
• Payment processing
• Professional services (accounting, legal)

Legal Requirements

We may disclose information when required by law, including:

• Court orders or legal proceedings
• Regulatory investigations
• Tax reporting requirements
• Preventing fraud or protecting safety

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity with appropriate notice.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• Encryption: Data transmission and storage encryption using industry standards
• Access Controls: Limited access to authorized personnel only
• Regular Audits: Periodic security assessments and updates
• Secure Storage: Physical and digital safeguards for data storage
• Employee Training: Regular privacy and security training for staff

However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security but commit to promptly addressing any security incidents.

6. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Analyze website traffic and usage patterns
• Improve website functionality and user experience
• Provide personalized content and recommendations

Types of Cookies We Use

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Preference Cookies: Remember your choices and settings
• Marketing Cookies: Used to deliver relevant advertisements

You can manage your cookie preferences through our cookie banner or your browser settings. For more details, see our Cookie Policy.

7. Your Privacy Rights

Under Canadian privacy law, you have the following rights:

To exercise these rights, contact us at:

8. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected:

• Client Records: 7 years after service termination (regulatory requirement)
• Marketing Data: Until consent is withdrawn or account is closed
• Website Analytics: 26 months for Google Analytics data
• Communication Records: 3 years for service quality purposes

After the retention period, we securely dispose of personal information in accordance with our data destruction procedures.

9. Third-Party Services

Our website may contain links to third-party websites or integrate with external services. We are not responsible for the privacy practices of these third parties. We recommend reviewing their privacy policies before providing any information.

Third-Party Services We Use

• Google Analytics: Website traffic analysis
• Mailchimp: Email newsletter management
• Calendly: Appointment scheduling
• Stripe: Payment processing

10. International Transfers

Some of our service providers may be located outside Canada. When we transfer personal information internationally, we ensure appropriate safeguards are in place, including:

• Adequacy decisions by privacy commissioners
• Contractual protections with service providers
• Compliance with applicable privacy laws

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child without parental consent, we will take steps to delete such information.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. We will:

• Post the updated policy on our website
• Update the "Last Updated" date
• Notify you of material changes via email or website notice
• Obtain new consent where required by law

13. Contact Information

If you have questions, concerns, or complaints about this Privacy Policy or our privacy practices, please contact us:

If you are not satisfied with our response, you may file a complaint with the Privacy Commissioner of Canada: