Privacy Policy

Last updated: March 2026 | Effective date: March 2026

1. Who We Are

Northern Investor ("we", "us", "our") operates the website at tentralis.com/finance, providing free educational resources about investing and personal finance for Canadians. We are committed to protecting your privacy and handling your personal information responsibly in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's Anti-Spam Legislation (CASL), and applicable provincial privacy laws.

For privacy inquiries, contact us at: [email protected]

Mailing address: 120 Adelaide Street West, Suite 2500, Toronto, ON M5H 1T1, Canada

2. What Personal Information We Collect

We collect different information depending on how you interact with us:

When you download a free resource (e.g., Investing Starter Kit):

First name, last name, and email address

When you take a quiz (e.g., Investing Readiness Quiz):

First name, last name, email address, and quiz responses

When you request a consultation (e.g., forex education consultation):

First name, last name, email address, phone number, and investing experience level

When you use the contact form:

Name, email address, and message content

Automatically collected:

IP address and browser data (via Google Analytics 4, anonymized)
UTM parameters (marketing source data for internal reporting)

We do not collect sensitive personal information such as financial account data, government ID numbers, or payment information.

3. Why We Collect It (Purposes)

We collect and use your personal information for the following purposes:

Resource delivery — to deliver the free resource or quiz result you requested
Educational emails — to send follow-up educational content about investing and personal finance for Canadians (you can unsubscribe at any time)
Broader financial topics — our educational emails may cover a range of financial topics including investing basics, tax-advantaged accounts, passive income, and currency trading/forex education
Consultation scheduling — if you request a forex education consultation, we will contact you by email and phone to schedule and conduct the consultation
Website improvement — to improve our content and resources based on aggregate usage data
Marketing attribution — to understand how visitors find our site

We will not use your information for any purpose not listed here without obtaining your consent first.

4. Legal Basis for Processing

Under PIPEDA and CASL, we rely on your express consent at the time you submit a form as the legal basis for collecting and using your personal information.

For free resources and quizzes: By submitting the form, you consent to receive the requested resource and related educational emails from Northern Investor.
For consultation requests: By checking the consent checkbox, you explicitly consent to being contacted by email and phone (if provided) about forex education services.

You may withdraw consent at any time by clicking "Unsubscribe" in any email or contacting us at [email protected].

We use your information only as described above. We do not sell your personal information to third parties.

We share your information only with:

Email service provider (e.g., MailerLite or similar) — to deliver resources and follow-up emails. These providers are bound by their own privacy policies and applicable data protection laws.
Google Analytics — anonymized, aggregate website usage data (no personally identifiable information is shared with Google Analytics unless you have an active Google session).
Legal authorities — if required by law or valid legal process.

6. Data Retention

We retain your personal information for as long as you remain subscribed to our mailing list or have an active relationship with us. You may request deletion at any time by:

Clicking "Unsubscribe" in any email
Emailing [email protected]

Upon request, we will delete your data within 30 days.

7. Your Rights Under PIPEDA

As a Canadian resident, you have the right to:

Access — request a copy of the personal information we hold about you
Correction — request that inaccurate information be corrected
Withdrawal of consent — withdraw consent and request deletion of your data at any time
Complaint — file a complaint with the Office of the Privacy Commissioner of Canada if you believe your rights have been violated

To exercise any of these rights, contact us at: [email protected]

8. CASL Compliance

All commercial electronic messages we send comply with Canada's Anti-Spam Legislation (CASL). Every email we send includes:

Our identity and contact information
A clear and functioning unsubscribe mechanism
We honour unsubscribe requests within 10 business days

We only send commercial electronic messages to recipients who have provided express consent.

9. Cookies and Tracking

Our website uses Google Analytics 4 (GA4) via Google Tag Manager (GTM) to collect anonymized usage data. These tools use cookies to distinguish users and sessions. No personally identifiable information is sent to Google Analytics.

Cookie Consent: When you first visit our website, a cookie consent banner will appear. Analytics and tracking cookies (GA4, GTM) are only loaded after you click "Accept." If you click "Decline," no tracking cookies are set. Your preference is stored locally in your browser and remembered for future visits.

Cookies we use:

Cookie	Purpose	Duration
`mi_cookie_consent`	Stores your consent preference (accept/decline)	Persistent (localStorage)
`_ga`, `_ga_*`	Google Analytics — distinguishes users	2 years
`_gid`	Google Analytics — distinguishes sessions	24 hours

You can opt out of Google Analytics tracking by using the Google Analytics opt-out browser add-on, or by clicking "Decline" on the cookie consent banner.

You can reset your cookie consent preference at any time by clearing your browser's local storage for this site.

We do not use advertising cookies, remarketing pixels, or tracking cookies beyond Google Analytics.

10. Data Security

We take reasonable technical and organizational measures to protect your personal information from unauthorized access, loss, or disclosure. Our website is served over HTTPS (TLS encryption). Email delivery is handled by industry-standard providers with their own security measures.

No method of transmission over the internet is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

11. Third-Party Links

Our educational resources may reference or link to third-party websites (e.g., brokerages, regulatory bodies, educational platforms). We are not responsible for the privacy practices of those websites. Please review their privacy policies before providing them with any personal information.

Mail: 120 Adelaide Street West, Suite 2500, Toronto, ON M5H 1T1, Canada

You may also contact the Office of the Privacy Commissioner of Canada: www.priv.gc.ca | 1-800-282-1376