Privacy Policy

Who we are

RESP Guru (“we,” “us,” “our”) is operated by Harpreet Singh, based in Ontario, Canada. This website (respguru.com) provides general education about Registered Education Savings Plans (RESPs) and government education-savings grants, and a way to contact us.

We are committed to protecting your personal information and handling it in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy law.

What personal information we collect

Information you give us directly. When you use our contact form or email us, we collect the information you provide — your first name, last name, email address, subject, and message. You may also choose to share other details (for example, about your child’s education-savings goals); please share only what is necessary.

Information collected automatically. When you visit the site, we and our service providers may collect standard technical and usage information — such as your IP address, browser type, device information, pages viewed, and referring site — through cookies and similar technologies (see Cookies and analytics, below).

Information we do not collect here. This website does not collect payment or banking details, and does not ask for your Social Insurance Number or your child’s personal information. Our savings estimator runs entirely in your browser — the figures you enter are not transmitted to us or stored.

Why we collect it, and your consent

We use your personal information to:

• respond to your enquiry and provide the information or consultation you request;
• follow up with you about RESP options and, where appropriate, education-savings products or services;
• operate, secure, and improve the website; and
• meet our legal and regulatory obligations.

By submitting the contact form or emailing us, you consent to us contacting you about your enquiry. You can withdraw your consent at any time (see Your choices and rights). We collect, use, and disclose personal information only for purposes a reasonable person would consider appropriate in the circumstances.

How we share information

We do not sell your personal information. We share it only with:

• Service providers who help us run the site and our business — such as our website host (Hostinger), our email provider (Omnisend), and analytics providers (Google, when enabled). These providers process information on our behalf under confidentiality obligations.
• Others where required or permitted by law — for example, to comply with a legal obligation or to protect our rights.

Some of these providers may store or process data outside Canada (including in the United States). Where that happens, your information may be subject to the laws of those jurisdictions. We take reasonable steps to ensure it remains protected.

Cookies and analytics

We use cookies and similar technologies to make the site work, remember your preferences, and understand how the site is used. This includes:

• Essential and performance cookies, including our caching system (LiteSpeed Cache), which help the site load quickly and function properly.
• Analytics cookies (Google Analytics / Search Console via Google Site Kit, when enabled), which help us understand aggregate site usage.

You can control or delete cookies through your browser settings. Disabling some cookies may affect how the site works.

How long we keep your information

We keep contact-form submissions and correspondence only as long as needed to respond to you and for our legitimate business and regulatory record-keeping purposes, after which we securely delete or de-identify them. If you become a client, records related to that relationship are retained as required by applicable insurance and financial-services regulations.

How we protect your information

We use reasonable physical, technical, and administrative safeguards to protect personal information against loss, theft, and unauthorized access, use, or disclosure. No method of transmission or storage is completely secure, but we work to protect your information appropriately.

Your choices and rights

Under PIPEDA, you have the right to:

• access the personal information we hold about you and request a copy;
• ask us to correct information that is inaccurate or incomplete;
• withdraw your consent to further contact or marketing at any time (subject to legal and contractual limits); and
• ask questions or make a complaint about how we handle your information.

To exercise any of these rights, contact us using the details below. We will respond within the timeframe required by law. If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada (priv.gc.ca).

A note about advice

The content on this website is general information only and is not financial, investment, insurance, or tax advice. Personalized recommendations are provided only through a direct advisory relationship, where additional information will be collected and handled under the applicable regulatory requirements and disclosures.

Links to other sites

Our site may link to third-party websites (such as Canada.ca) for your convenience. We are not responsible for the privacy practices of those sites; please review their privacy policies.

Changes to this policy

We may update this policy from time to time. The “Last updated” date at the top shows when it was last revised. Material changes will be posted on this page.

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