Cookie
Protocol
Jurisdiction: Quebec, Canada
Last Updated: 2024
This Cookie Protocol ("Protocol") explains how Brass Home uses cookies and similar tracking technologies when you visit our digital platform dedicated to analyzing fixed vs. variable mortgage rates in Montreal. As an entity operating in Quebec, Canada, we are committed to transparency regarding data collection under the Personal Information Protection and Electronic Documents Act (PIPEDA) and Quebec's Act respecting the protection of personal information in the private sector (Law 25).
Disclaimer: This document is a standard template for informational purposes and does not constitute legal advice. Users are encouraged to consult with legal professionals regarding specific compliance requirements.
1. Understanding Cookies
Cookies are small data files stored on your device (computer, smartphone, or tablet) when you browse our website. They serve various functions, such as remembering your preferences for mortgage calculations, ensuring the security of your session, and helping us understand how you interact with our Montreal market data.
2. Legal Basis for Processing
Under Law 25 (Quebec) and PIPEDA, we process cookies based on the following:
- Essential Necessity: For cookies strictly required to operate the mortgage engine and security protocols.
- Informed Consent: For analytical, performance, and marketing cookies that track user behavior across the Montreal real estate landscape.
3. Categories of Cookies We Use
A. Strictly Necessary Cookies
These are essential for the website to function and cannot be switched off in our systems.
| Cookie ID | Purpose | Duration |
|---|---|---|
| _auth_session | Maintains user session for rate calculations. | Session |
| _xsrf_token | Security: prevents Cross-Site Request Forgery. | Persistent |
B. Analytical & Performance Cookies
These allow us to count visits and traffic sources so we can measure and improve the performance of our mortgage comparison tools.
| Cookie ID | Purpose | Duration |
|---|---|---|
| _ga | Google Analytics: tracks user movement patterns. | 2 Years |
| _mtl_stats | Internal stats for Montreal market data usage. | 1 Year |
C. Marketing & Targeting Cookies
These may be set through our site by our advertising partners to build a profile of your interests in fixed or variable rates.
| Cookie ID | Purpose | Duration |
|---|---|---|
| _fbp | Facebook Pixel for retargeting mortgage offers. | 90 Days |
4. Third-Party Cookies
In some special cases, we also use cookies provided by trusted third parties. The following section details which third-party cookies you might encounter through Brass Home. We use Google Analytics for providing insights into how you use the site and ways that we can improve your experience. These cookies may track things such as how long you spend on the site and the pages that you visit.
5. Managing Your Preferences
You have the right to decide whether to accept or reject cookies. You can exercise your cookie rights by setting your preferences in the Cookie Consent Manager. You can also set or amend your web browser controls to accept or refuse cookies.
To manage cookies via your browser:
- Chrome: Settings > Privacy and Security > Cookies
- Safari: Preferences > Privacy > Block all cookies
- Firefox: Options > Privacy & Security > Cookies
- Edge: Settings > Site permissions > Cookies
6. Data Retention
The duration for which we retain information collected via cookies depends on whether it is a session cookie (temporary) or a persistent cookie. Persistent cookies remain on your device until they expire or are deleted manually.
Contact & Operator Information
If you have questions about our use of cookies or other technologies, please contact the Brass Home Data Protection Officer at:
Phone +1 (808) 924-6461
Address 1250 René-Lévesque Blvd W, Montreal