Cookie Policy
Last Updated: 2024
This policy outlines how Morvorin utilizes tracking technologies to enhance your analysis of the Canada Pension Plan (CPP) and Old Age Security (OAS) frameworks.
1. Legal Framework and Jurisdiction
Morvorin, headquartered in Ottawa, Ontario, operates under the strict regulatory oversight of Canadian federal and provincial privacy laws. This Cookie Policy is designed to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Ontario’s privacy standards.
Furthermore, as our pension analysis services may be accessed globally, we adhere to the principles of transparency and meaningful consent as defined by the Office of the Privacy Commissioner of Canada (OPC). For users within the European Economic Area, we implement standards consistent with the GDPR (Regulation (EU) 2016/679) and the ePrivacy Directive.
What are Cookies?
Cookies are small data files stored on your device that allow Morvorin to recognize your browser and remember certain information regarding your pension calculation preferences and session state.
Storage Duration
We utilize both "Session Cookies" (which expire once you close your browser) and "Persistent Cookies" (which stay on your device until they expire or are deleted) to maintain your CPP/OAS data models.
User Rights
Under Canadian law, you have the right to withdraw consent for non-essential cookies at any time. This can be managed through our settings interface or your browser preferences.
2. Detailed Classification of Cookies
Strictly Necessary Cookies
Always ActiveThese cookies are essential for the operation of Morvorin's pension analysis architecture. They enable core site functionality such as security, network management, and accessibility. Without these, the interactive TFSA and RRSP calculators cannot function correctly.
| Cookie Name | Purpose | Duration |
|---|---|---|
| __mv_secure_sess | Maintains encrypted user session for pension data input. | Session |
| __cf_bm | Cloudflare bot management to prevent DDoS attacks on analysis tools. | 30 Minutes |
Analytical & Performance Cookies
Consent RequiredWe use these to understand how visitors interact with our Canadian retirement guides. This data helps us identify which sections (e.g., OAS recovery tax explanations) are most useful to our clients in Ottawa and across Canada.
| Cookie Name | Service | Duration |
|---|---|---|
| _ga | Google Analytics - Anonymous traffic pattern analysis. | 2 Years |
| _gid | Google Analytics - Distinguishing users. | 24 Hours |
Marketing & Retargeting
Consent RequiredThese cookies track your activity across websites to provide personalized advertisements regarding financial planning and pension stability services that may be relevant to your economic profile.
| Cookie Name | Provider | Duration |
|---|---|---|
| _fbp | Meta/Facebook - Ad delivery and tracking. | 3 Months |
3. Third-Party Tracking Technologies
Morvorin may integrate third-party services like Google Maps for office locations or embedded videos explaining CPP contribution rates. These third parties may set cookies on your browser according to their own privacy policies. We do not control the direct dissemination of these cookies. Please review the respective third-party websites for more information.
4. Legal Basis for Processing
Under PIPEDA and the European ePrivacy standards, we process your data using the following legal bases:
- Consent: For analytical and marketing cookies, we rely on your explicit opt-in consent provided via our cookie banner.
- Legitimate Interest: For strictly necessary cookies, we process data to ensure the technical stability and security of our pension analysis platform.
5. Manage Your Preferences
You have full control over your data. You can adjust which cookies you allow us to use at any time by clicking the button below or by modifying your browser settings.
6. Browser-Level Controls
Most web browsers allow you to control cookies through their settings. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it. To find out more about how to manage cookies, visit www.aboutcookies.org.
7. Contact and Inquiries
For matters related to this Cookie Policy or your data rights in the context of Canadian pension planning, please contact our Data Protection Office in Ottawa: