Legal

Privacy Policy

Last updated: May 12, 2026

Ratio Advisors ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, and the rights you have regarding your information when you visit ratioadvisors.ca or engage our services.

We comply with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and British Columbia's Personal Information Protection Act (PIPA).

1. Information We Collect

We collect personal information that you voluntarily provide to us, including:

• Contact details: name, email address, and phone number submitted through our contact form or by email.
• Service inquiry information: the type of service you are interested in and any details you share about your situation or business needs.
• Communications: correspondence between you and Ratio Advisors via email, phone, or other channels.
• Engagement information: if you become a client, additional information required to deliver financial, tax, accounting, or advisory services.

We may also collect non-identifying technical information automatically, such as browser type, device type, and pages visited, through our website host (Netlify) for security and performance purposes.

2. How We Use Your Information

We use the information we collect to:

• Respond to your inquiries and consultation requests;
• Provide and deliver the advisory, tax, accounting, and consulting services you engage us for;
• Communicate with you about your engagement, scheduling, and service updates;
• Comply with our professional, legal, and regulatory obligations; and
• Improve our website and the services we offer.

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

3. Third-Party Service Providers

We use a small number of carefully selected third-party services to operate our business. These providers process information only as necessary to deliver their services to us:

• Netlify — website hosting infrastructure.
• Microsoft 365 / Outlook — email and calendar services.
• Google Fonts — typography served on this website.
• Scheduling platforms (e.g., Microsoft Bookings or Calendly) — if you book a consultation through an online scheduling link.

Each provider has its own privacy practices. Some may store data on servers located outside Canada, which means information may be subject to the laws of those jurisdictions.

4. Cookies and Analytics

Our website uses minimal cookies required for basic functionality. We do not currently use third-party advertising or behavioural tracking cookies. If we add analytics in the future, we will update this policy and provide appropriate notice.

5. How We Protect Your Information

We use commercially reasonable safeguards — including encrypted connections (HTTPS), secure email, access controls, and confidential handling of client files — to protect your personal information from unauthorized access, disclosure, alteration, or destruction.

While we take security seriously, no method of transmission over the internet is 100% secure. We encourage you not to share sensitive financial information (such as SIN, account numbers, or credit card details) through our website contact form.

6. Retention of Information

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, to comply with our professional obligations (including record-keeping requirements under tax and accounting regulations), and to enforce our agreements. Records related to client engagements may be retained for the periods required by applicable law and professional standards.

7. Your Rights

You have the right to:

• Access the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Withdraw consent for future use of your information (subject to legal and professional retention requirements); and
• File a complaint with the Office of the Privacy Commissioner of Canada or the BC Office of the Information and Privacy Commissioner if you believe your privacy rights have been violated.

8. Children's Privacy

Our services and website are intended for adults. We do not knowingly collect personal information from children under the age of 13.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any updates will be posted on this page with a revised "Last updated" date.

10. Contact Us

If you have questions about this Privacy Policy, want to access or correct your information, or would like to make a privacy complaint, please contact us:

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