Privacy Policy

At Harvest Grove Living, we are committed to protecting the privacy and security of the personal information of our users in Ottawa and across Canada. This Privacy Policy describes how we collect, use, and disclose your personal information in compliance with Canadian federal and provincial privacy laws.

1. Governing Law and Jurisdiction

As we operate from Ottawa, Ontario, our data handling practices are governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) at the federal level, and we adhere to the principles outlined by the Office of the Privacy Commissioner of Canada. For residents of other provinces, we respect applicable provincial legislation such as Alberta’s PIPA, British Columbia’s PIPA, or Quebec’s Law 25 where appropriate.

2. Data Controller

Harvest Grove Living acts as the data controller for the information collected through our educational resources regarding RESP grants, CESG, and investment strategies. You may contact our Privacy Officer at:

• Entity: Harvest Grove Living
• Address: 45 O'Connor Street, Ottawa, ON K1P 1A4
• Email:
• Phone: +1 (376) 906-5646

3. Information We Collect

We collect information that identifies you or can be used to identify you ("Personal Information"). This includes:

• Contact Data: Name, email address, and telephone number provided when you subscribe to our RESP guide or request information about the Canada Learning Bond.
• Technical Data: IP address, browser type, time zone settings, and location data collected via cookies to improve our Ottawa-focused educational content.
• Usage Data: Information about how you use our website, including pages visited and links clicked (e.g., resources on Annual Limits or EAP withdrawals).
• Financial Context: While we do not act as a bank, we may collect non-sensitive information regarding your interest in specific plan types (Individual vs Family) to provide tailored content.

4. Purposes and Legal Basis for Processing

Under PIPEDA, we process your data based on Consent (express or implied) for the following purposes:

• Educational Delivery: To provide you with the RESP guides and updates you have requested.
• Operational Necessity: To manage our website, ensure security, and prevent fraudulent activity.
• Marketing Communications: With your express consent, to send newsletters regarding CESG grants and government incentive changes.
• Legal Compliance: To comply with Canadian tax reporting requirements or CRA inquiries where applicable.

5. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. Typically, contact data for our newsletter is kept until you unsubscribe, while technical logs are purged every 12 months.

6. Disclosure to Third Parties

Harvest Grove Living does not sell your personal information. We may share data with:

• Service Providers: Cloud hosting providers and email marketing platforms (e.g., Mailchimp) that process data on our behalf.
• Professional Advisors: Lawyers or auditors in Ottawa for compliance purposes.
• Law Enforcement: When required by a court order or to comply with PIPEDA requirements.

Some of our service providers may be located outside of Canada (e.g., in the United States). In such cases, your data may be subject to the laws of those jurisdictions.

7. Your Rights

Under Canadian law, you have specific rights regarding your personal information:

• Right of Access: You can request a copy of the personal information we hold about you.
• Right of Rectification: You can ask us to correct inaccurate or incomplete data.
• Right to Withdraw Consent: You may withdraw your consent for data processing at any time (subject to legal or contractual restrictions).
• Right to Complain: You have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada if you believe we have mishandled your data.

8. Cookies and Tracking

We use cookies to enhance your experience. You can manage your preferences through our Cookie Policy. Disabling cookies may affect the functionality of specific tools like our RESP contribution calculators.

9. Security

We implement industry-standard physical, organizational, and technological security measures (such as SSL encryption) to protect your personal information from unauthorized access, loss, or theft.