Cookie Policy of Wealthica
This document informs Users about the technologies that help Wealthica to achieve the purposes described below. Such technologies allow the Owner to access and store information (for example by using a Cookie) or use resources (for example by running a script) on a User’s device as they interact with Wealthica.
For simplicity, all such technologies are defined as "Trackers" within this document – unless there is a reason to differentiate.
For example, while Cookies can be used on both web and mobile browsers, it would be inaccurate to talk about Cookies in the context of mobile apps as they are a browser-based Tracker. For this reason, within this document, the term Cookies is only used where it is specifically meant to indicate that particular type of Tracker.
Some of the purposes for which Trackers are used may also require the User's consent. Whenever consent is given, it can be freely withdrawn at any time following the instructions provided in this document.
Wealthica uses Trackers managed directly by the Owner (so-called “first-party” Trackers) and Trackers that enable services provided by a third-party (so-called “third-party” Trackers). Unless otherwise specified within this document, third-party providers may access the Trackers managed by them.
The validity and expiration periods of Cookies and other similar Trackers may vary depending on the lifetime set by the Owner or the relevant provider. Some of them expire upon termination of the User’s browsing session.
In addition to what’s specified in the descriptions within each of the categories below, Users may find more precise and updated information regarding lifetime specification as well as any other relevant information — such as the presence of other Trackers — in the linked privacy policies of the respective third-party providers or by contacting the Owner.
How Wealthica uses Trackers
Necessary
Wealthica uses so-called “technical” Cookies and other similar Trackers to carry out activities that are strictly necessary for the operation or delivery of the Service.
Trackers managed by third parties
-
Google Tag Manager (Google LLC)
Google Tag Manager is a tag management service provided by Google LLC.
Personal Data processed: Tracker and Usage Data.
Place of processing: United States – Privacy Policy.
Experience
Wealthica uses Trackers to improve the quality of the user experience and enable interactions with external content, networks and platforms.
Trackers managed by third parties
-
Wistia widget (Wistia, Inc.)
Wistia is a video content visualization service provided by Wistia, Inc. that allows Wealthica to incorporate content of this kind on its pages.
Personal Data processed: Tracker and Usage Data.
Place of processing: United States – Privacy Policy.
-
Google Fonts (Google LLC)
Google Fonts is a typeface visualization service provided by Google LLC that allows Wealthica to incorporate content of this kind on its pages.
Personal Data processed: Tracker and Usage Data.
Place of processing: United States – Privacy Policy.
-
YouTube video widget (Google LLC)
YouTube is a video content visualization service provided by Google LLC that allows Wealthica to incorporate content of this kind on its pages.
Personal Data processed: Trackers and Usage Data.
Place of processing: United States – Privacy Policy.
Storage duration:
- PREF: 8 months
- VISITOR_INFO1_LIVE: 8 months
- YSC: duration of the session
-
Font Awesome (Fonticons, Inc. )
Font Awesome is a typeface visualization service provided by Fonticons, Inc. that allows Wealthica to incorporate content of this kind on its pages.
Personal Data processed: Trackers and Usage Data.
Place of processing: United States – Privacy Policy.
-
X Post button and social widgets (X Corp.)
The X Post button and social widgets are services allowing interaction with the X social network provided by X Corp.
Personal Data processed: Trackers and Usage Data.
Place of processing: United States – Privacy Policy.
Storage duration:
- personalization_id: 2 years
Measurement
Wealthica uses Trackers to measure traffic and analyse User behaviour to improve the Service.
Trackers managed by third parties
-
Google Analytics (Universal Analytics)
Google Analytics (Universal Analytics) is a web analysis service provided by Google LLC or by Google Ireland Limited, depending on how the Owner manages the Data processing, (“Google”). Google utilizes the Data collected to track and examine the use of Wealthica, to prepare reports on its activities and share them with other Google services.
Google may use the Data collected to contextualize and personalize the ads of its own advertising network.
In order to understand Google's use of Data, consult Google's partner policy.
Personal Data processed: Cookies and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out; Ireland – Privacy Policy – Opt Out.
Storage duration:
- AMP_TOKEN: 1 hour
- _ga: 2 years
- _gac*: 3 months
- _gat: 1 minute
- _gid: 1 day
-
MixPanel (MixPanel)
MixPanel is an analytics service provided by Mixpanel Inc.
Personal Data processed: Cookies and Usage Data.
Place of processing: US – Privacy Policy – Opt Out.
-
Meta Events Manager (Meta Platforms Ireland Limited)
Meta Events Manager is an analytics service provided by Meta Platforms Ireland Limited. By integrating the Meta pixel, Meta Events Manager can give the Owner insights into the traffic and interactions on Wealthica.
Personal Data processed: Trackers and Usage Data.
Place of processing: Ireland – Privacy Policy.
Storage duration:
-
Google Analytics 4 (Google LLC)
Google Analytics 4 is a web analysis service provided by Google LLC (“Google”). Google utilizes the Data collected to track and examine the use of Wealthica, to prepare reports on its activities and share them with other Google services.
Google may use the Data collected to contextualize and personalize the ads of its own advertising network.
In Google Analytics 4, IP addresses are used at collection time and then discarded before Data is logged in any data center or server. Users can learn more by consulting Google’s official documentation.
In order to understand Google's use of Data, consult their partner policy and their Business Data page.
Personal Data processed: number of Users, session statistics, Trackers and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out.
Storage duration:
- _ga: 2 years
- _ga_*: 2 years
-
Google Optimize
Google Optimize is an A/B testing service provided by Google LLC or by Google Ireland Limited, depending on how the Owner manages the Data processing, ("Google").
Google may use Personal Data to contextualize and personalize the ads of its own advertising network.
Personal Data processed: Cookies and Usage Data.
Place of processing: United States – Privacy Policy; Ireland – Privacy Policy.
Storage duration:
- _gaexp: 3 months
- _opt_awcid: 1 day
- _opt_awgid: 1 day
- _opt_awkid: 1 day
- _opt_awmid: 1 day
- _opt_expid: 10 seconds
- _opt_utmc: 1 day
Marketing
Wealthica uses Trackers to deliver personalized ads or marketing content, and to measure their performance.
Trackers managed by third parties
-
Google Ads Remarketing
Google Ads Remarketing is a remarketing and behavioral targeting service provided by Google LLC or by Google Ireland Limited, depending on how the Owner manages the Data processing, that connects the activity of Wealthica with the Google Ads advertising network and the DoubleClick Cookie.
Users can opt out of Google's use of cookies for ads personalization by visiting Google's Ads Settings.
Personal Data processed: Cookies and Usage Data.
Place of processing: United States – Privacy Policy – Opt Out; Ireland – Privacy Policy – Opt Out.
Storage duration:
- AID: 2 years
- ANID: 2 years
- Conversion: 3 months
- DSID: 14 days
- FCNEC: 1 year
- FLC: 10 seconds
- FPAU: 3 months
- FPGCLAW: 3 months
- FPGCLDC: 3 months
- FPGCLGB: 3 months
- GCL_AW_P: 3 months
- GED_PLAYLIST_ACTIVITY: duration of the session
- IDE: 2 years
- NID: 6 months
- RUL: 1 year
- TAID: 14 days
- __gads: 2 years
- __gpi: 2 years
- __gpi_optout: 2 years
- __gsas: 2 years
- _gac_: 3 months
- _gac_gb_: 3 months
- _gcl_ag: 3 months
- _gcl_au: 3 months
- _gcl_aw: 3 months
- _gcl_dc: 3 months
- _gcl_gb: 3 months
- _gcl_gf: 3 months
- _gcl_gs: 3 months
- _gcl_ha: 3 months
- id: 2 years
- receive-cookie-deprecation: 6 months
- test_cookie: 15 minutes
-
Google Ads conversion tracking
Google Ads conversion tracking is an analytics service provided by Google LLC or by Google Ireland Limited, depending on how the Owner manages the Data processing, that connects data from the Google Ads advertising network with actions performed on Wealthica.
Personal Data processed: Trackers and Usage Data.
Place of processing: United States – Privacy Policy; Ireland – Privacy Policy.
Storage duration:
- IDE: 2 years
- test_cookie: 15 minutes
-
Meta ads conversion tracking (Meta pixel) (Meta Platforms, Inc.)
Meta ads conversion tracking (Meta pixel) is an analytics service provided by Meta Platforms, Inc. that connects data from the Meta Audience Network with actions performed on Wealthica. The Meta pixel tracks conversions that can be attributed to ads on Facebook, Instagram and Meta Audience Network.
Personal Data processed: Trackers and Usage Data.
Place of processing: United States – Privacy Policy – Opt out.
Storage duration:
- _fbp: 3 months
- fr: 3 months
-
Disqus with advertising enabled (Disqus)
Disqus with advertising enabled is a hosted discussion board solution provided by Disqus that enables Wealthica to add a commenting feature to any content. Disqus and its third-party partners use Trackers in order to serve Users personalized ads. Users can opt out of such use of Trackers by visiting this opt-out page.
Personal Data processed: Data communicated while using the service, Trackers and Usage Data.
Place of processing: United States – Privacy Policy – Opt out.
Storage duration:
- __jid: 1 month
- disqus_unique: 1 year
- disqusauth: 3 months
- disqusauths: 3 months
- sessionid: 3 months
-
OneSignal (Lilomi, Inc.)
OneSignal is a message sending service provided by Lilomi, Inc.
OneSignal allows the Owner to send messages and notifications to Users across platforms such as Android, iOS, and the web. Messages can be sent to single devices, groups of devices, or specific topics or User segments.
Depending on the permissions granted to Wealthica, the Data collected may also include precise location (i.e. GPS-level data) or WiFi information, apps installed and enabled on the User's device. Wealthica uses identifiers for mobile devices (including Android Advertising ID or Advertising Identifier for iOS, respectively) and technologies similar to cookies to run the OneSignal service.
The Data collected may be used by the service provider for interest-based advertising, analytics and market research. In order to understand OneSignal's use of Data, consult OneSignal's privacy policy.
Push notifications opt-out
Users may in most cases opt-out of receiving push notifications by visiting their device settings, such as the notification settings for mobile phones, and then changing those settings for some or all of the apps on the particular device.
Interest-based advertising opt-out
Users may opt-out of OneSignal advertising features through applicable device settings, such as the device advertising settings for mobile phones.
Different device configurations, or updates to devices, may affect or change how these indicated settings work.
Personal Data processed: email address, geographic position, language, Trackers, unique device identifiers for advertising (Google Advertiser ID or IDFA, for example), Usage Data and various types of Data as specified in the privacy policy of the service.
Place of processing: United States – Privacy Policy – Opt out.
How to manage preferences and provide or withdraw consent on Wealthica
Whenever the use of Trackers is based on consent, users can provide or withdraw such consent by setting or updating their preferences via the relevant privacy choices panel available on Wealthica.
With regard to any third-party Trackers, Users can manage their preferences via the related opt-out link (where provided), by using the means indicated in the third party's privacy policy, or by contacting the third party.
How to control or delete Cookies and similar technologies via your device settings
Users may use their own browser settings to:
- See what Cookies or other similar technologies have been set on the device;
- Block Cookies or similar technologies;
- Clear Cookies or similar technologies from the browser.
The browser settings, however, do not allow granular control of consent by category.
Users can, for example, find information about how to manage Cookies in the most commonly used browsers at the following addresses:
Users may also manage certain categories of Trackers used on mobile apps by opting out through relevant device settings such as the device advertising settings for mobile devices, or tracking settings in general (Users may open the device settings and look for the relevant setting).
How to opt out of interest-based advertising
Notwithstanding the above, Users may follow the instructions provided by YourOnlineChoices (EU and UK), the Network Advertising Initiative (US) and the Digital Advertising Alliance (US), DAAC (Canada), DDAI (Japan) or other similar services. Such initiatives allow Users to select their tracking preferences for most of the advertising tools. The Owner thus recommends that Users make use of these resources in addition to the information provided in this document.
The Digital Advertising Alliance offers an application called AppChoices that helps Users to control interest-based advertising on mobile apps.
Consequences of denying the use of Trackers
Users are free to decide whether or not to allow the use of Trackers. However, please note that Trackers help Wealthica to provide a better experience and advanced functionalities to Users (in line with the purposes outlined in this document). Therefore, if the User chooses to block the use of Trackers, the Owner may be unable to provide related features.
Owner and Data Controller
Data Protection Officer (DPO)
Wealthica Financial Technology Inc.
1100 Boulevard René-Lévesque O, 25th Floor
Montréal, QC, Canada H3B 5C9
Owner contact email: security@wealthica.com
Since the use of third-party Trackers through Wealthica cannot be fully controlled by the Owner, any specific references to third-party Trackers are to be considered indicative. In order to obtain complete information, Users are kindly requested to consult the privacy policies of the respective third-party services listed in this document.
Given the objective complexity surrounding tracking technologies, Users are encouraged to contact the Owner should they wish to receive any further information on the use of such technologies by Wealthica.