Privacy Policy for Hardbacon.ca
Last Updated: April 13th, 2026
At Hardbacon, we believe that taking control of your finances should never mean losing control of your data. This Privacy Policy explains how Plutera Capital Inc. (“Hardbacon”, “we”, “us”, or “our”) collects, uses, discloses, and protects your personal information when you use our website (hardbacon.ca), our mobile application, and our financial comparison tools.
By using our services, you consent to the collection, use, and disclosure of your personal information as described in this policy, subject to your rights under applicable laws, including Quebec’s Law 25 and the federal Personal Information Protection and Electronic Documents Act (PIPEDA).
Where required, we obtain your consent in a clear, free, informed, and specific manner at the time of collection, including for the use of sensitive financial information, cookies and similar technologies, and the sharing of your information with financial partners. We maintain records of consent where required, including the time, method, and scope of consent provided. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice.
1. Our Commitment to Your Privacy
Our privacy practices are guided by principles of accountability, transparency, and compliance with applicable laws. We have appointed a Privacy Officer responsible for ensuring compliance with Quebec’s Law 25 and PIPEDA. We aim to clearly communicate the reasons for collecting your personal information at the time it is collected. We limit the collection of personal information to what is necessary and relevant to provide our services, operate our business, improve our platform, and develop new features.
2. Information We Collect
To provide our services, we collect various types of personal information. This includes direct identifiers such as your name, email address, phone number, and mailing address. We also collect financial and profile data, such as your income, credit score range (typically self-reported), insurance needs, existing financial products, and financial goals. Certain financial information may be considered sensitive under applicable laws and is collected and processed only with your consent and for the purposes described in this policy.
We also collect technical and usage data, including your IP address, device identifiers, browser type, pages visited, and interactions with our platform through cookies, pixels, and similar technologies. We may also retain records of communications with you, including emails, SMS messages, chat interactions, or phone calls, for support, quality assurance, and training purposes.
Where permitted by law, we may supplement the information you provide with data obtained from third-party sources such as financial data providers, marketing partners, or publicly available sources, in order to improve data accuracy, enhance personalization, and better match you with relevant products or services.
3. How We Use Your Information
We use your personal information to provide financial comparisons, recommendations, and personalized quotes based on your profile and preferences. When you request a quote or apply for a product, we may share relevant information with one or more financial partners, such as insurers, lenders, or licensed brokers, in order to process your request, assess your eligibility, and present you with appropriate offers based on your profile. This sharing occurs only following a clear user action and, where required, your consent.
We also use your personal information to manage our relationship with you, follow up on your requests, and send communications where permitted by applicable laws. In addition, we may use your information to analyze how our services are used, improve our platform, and enhance the user experience.
We may also use advertising technologies provided by partners such as Google and Meta to measure campaign performance, deliver relevant advertisements, and, where applicable, retarget users across platforms. These activities may involve the use of cookies, pixels, and similar technologies and are subject to your consent where required.
We may also use personal information for purposes that are reasonably compatible with those for which it was originally collected, as permitted by applicable laws.
4. Use of Artificial Intelligence and Automated Processing
We use artificial intelligence, machine learning, and automated systems to support and improve our services. These technologies may be used to personalize recommendations, analyze usage patterns, assist in processing requests, and support internal operations such as customer service and analytics.
These processes may rely on factors such as the financial information you provide, your stated preferences, and your interactions with our platform. When personal information is used in these processes, we implement appropriate safeguards, including data minimization, access controls, and contractual protections with service providers.
We may use automated processing and profiling to rank financial products or provide general eligibility indications. These outputs are intended to assist users and do not constitute final financial, insurance, or lending decisions.
Where required by law, you will be informed if a decision is made exclusively through automated processing that has a significant impact on you. You have the right to request information about the personal information used and the main factors involved in such decisions, and to request a review by a member of our team.
You may control or deactivate certain tracking and profiling features through our consent management tool available via the cookie banner or through your browser settings.
5. Disclosure and International Transfers
We may disclose personal information to third parties where necessary to provide our services. This includes sharing information with financial partners such as insurers, lenders, and licensed brokers when you request a quote or apply for a product.
We may also share personal information with service providers that support our operations, including providers of analytics, advertising, customer relationship management, communications, hosting, infrastructure, and artificial intelligence or automated processing services. These providers are contractually required to protect your personal information and use it only for authorized purposes.
Your personal information is primarily stored in Canada but may be processed in other jurisdictions, including the United States. In such cases, your information may be subject to the laws of those jurisdictions and may be accessible to local authorities in accordance with applicable laws. We conduct assessments, including privacy impact assessments where required, to ensure that personal information receives adequate protection in accordance with generally recognized data protection principles.
In the event of a merger, acquisition, financing, or sale of assets, personal information may be transferred as part of the transaction, subject to applicable legal requirements and safeguards.
6. Cookies and Tracking Technologies
We use cookies, pixels, and similar technologies to operate and secure our platform, analyze usage, improve performance, and support advertising activities. Certain cookies are essential and cannot be disabled, while others are optional and require your consent where applicable.
You can manage your preferences for non-essential cookies through our consent management tool accessible via the cookie banner or through a link available in the footer of our website. You may also adjust your browser settings to control or block cookies.
7. Aggregated, De-Identified and Anonymized Data
We may use aggregated, de-identified, or anonymized data for research, analytics, product development, and service improvement purposes. Where data is anonymized, it is processed in a manner that irreversibly prevents identification of individuals. Such data does not constitute personal information and may be used without further consent.
8. Your Rights (Law 25 & PIPEDA)
You have rights regarding your personal information under applicable laws. These include the right to access your personal information, request corrections to inaccurate data, and receive your personal information that you have provided to us in a structured and commonly used technological format, subject to applicable limitations.
You also have the right to request the deletion of your personal information or to request that we cease disseminating your information or de-index links providing access to it where such dissemination causes harm or contravenes applicable laws. You may also withdraw your consent for certain uses of your information, subject to legal or contractual restrictions.
9. Data Security and Retention
We implement industry-standard safeguards to protect your personal information, including encryption, secure infrastructure, and strict access controls. While no system can guarantee absolute security, we take reasonable measures to reduce risks.
In the event of a confidentiality incident involving personal information, we maintain a registry and notify the appropriate authorities and affected individuals as required by law.
We retain personal information only for as long as necessary to fulfill the purposes for which it was collected or to comply with legal, regulatory, or business obligations. When personal information is no longer required, it is securely destroyed or anonymized in an irreversible manner.
10. Children’s Privacy
Our services are not intended for individuals under the age of 14 in Quebec or under the applicable age of consent in other jurisdictions. We do not knowingly collect personal information from minors without appropriate parental or guardian consent.
11. Do We Sell Your Data?
We do not sell your personal information within the meaning of applicable privacy laws. However, we may share your information with financial partners, with your consent, in order to provide the products or services you request.
12. Contact Our Privacy Officer
If you have any questions, requests, or complaints regarding your personal information, you may contact:
David Szemerda
President, Plutera Capital Inc.
204 Rue du St.-Sacrement #300
Montreal, Quebec H2Y 1W8
Email: info@plutera.ca
You also have the right to file a complaint with the Commission d’accès à l’information du Québec or the Office of the Privacy Commissioner of Canada if you believe your rights have not been respected.