Updated February 2, 2019

Who we are

Our website address is www.novelfinancial.ca (“the Site”).  This website is property of Novel Financial Inc., a Canadian federally registered private corporation.

What personal data we collect and why we collect it


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.

We collect information about visitors who comment on Sites that use our anti-spam service. The information we collect depends on how the User sets up Akismet for the Site, but typically includes the commenter’s IP address, user agent, referrer, and Site URL (along with other information directly provided by the commenter such as their name, username, email address, and the comment itself).


If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.

Contact forms

If you submit information via our contact form, it is submitted to Typeform.  Typeform transmits the data via Zapier to MailChimp.

If you subscribe to our newsletters, the data is transmitted to MailMunch, who transmits the data to MailChimp.

Contact form submission and newsletter subscription data is subject to the privacy policies of Typeform, Zapier, MailMunch and MailChimp.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

If you have an account and you log in to this site, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select “Remember Me”, your login will persist for two weeks. If you log out of your account, the login cookies will be removed.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.
Like most websites, we use cookies for a variety of purposes in order to improve your online experience, for analytics and for marketing, but specifically we use Cookies on the Site for the following purposes:

Analytical PurposesWe use cookies to analyze user activity in order to improve the Site. For example, we can use cookies to look at aggregate patterns like the average number of job searches that users perform. We can use such analysis to gain insights about how to improve the functionality and user experience of the Site.
Your Preferences & User ExperienceWe use cookies to gather certain information about users, such as browser type, server, language preference, and country setting, in order to store user preferences on our Site to make your user experience more consistent and convenient. For example, we may store the recent searches you have performed in a cookie so that we can allow you to easily repeat those searches when you return to our Site, or so that we can suggest profile information when you sign up for an account and fill out an Indeed Resume. In addition, we use cookies to maintain your logged in state when you visit our Site repeatedly. We may also use your IP address to determine your geographic location in order to provide you with the most relevant search results.
MarketingWe use cookies from third-party partners such as Google and Facebook for marketing purposes. These cookies allow us to display Indeed promotional material to you on other sites you visit across the Internet. Indeed may also share information about your behavior on the Site with third parties (including operators of third-party websites and/or social networking sites) in order to show you targeted advertisements and other content that has been customized for you. We also use cookies to facilitate the Indeed Targeted Ads Program. In this Program, we use cookies to determine which ads users have seen, and how many times users have seen a particular ad.
Referral TrackingWe use cookies to associate user activity with the third party website that referred the user to our Site, or to associate user activity that Indeed referred to a third party website. Some of these third party websites are partner websites that receive credit for the activity of users they refer to our Site, or give Indeed credit for the activity of users referred to such third party websites. We do not share any personal information or information about individual user activities with these partner entities. However, we may share information, such as the third party website you were visiting when you clicked on an Indeed link to a Job Listing or Hiring Event, with Employers. We also use cookies to associate user activity with the email campaign that referred the user to our Site.
Security PurposesWe use cookies to limit certain types of cyber attacks.
Testing, Usability, and Performance Improvement PurposesWe use cookies to ensure users receive a consistent user experience while we conduct A/B testing on certain aspects of our Site in order to improve our product offerings. We also use cookies to improve the performance and reliability of our Site.
Fraud/Spam preventionWe use cookies during fraud reviews and investigations. Some of our cookie/device tracking happens via 3rd party vendors like SiftScience, other times we use our own indexes to identify activity related to specific cookies.

Summary of cookies used by this site include:

_cfduidPersistent/Third Party1 yearUsed by the content network, Cloudflare, to identify trusted web traffic.Called by addtoany.com, cloudlflare.com, novelfinancial.ca
_fbpthird party3 monthsUsed by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.  Integrates with Google Tags.
_gaPersistent2 yearsRegisters a unique ID that is used to generate statistical data on how the visitor uses the website.  Used by Google Analytics.
_gatPersistent1 dayUsed by Google Analytics to throttle request rate.
_gidPersistent1 dayRegisters a unique ID that is used to generate statistical data on how the visitor uses the website.  Used by Google Analytics.
_mailmunch_visitor_idthird party1 yearThe cookie is used by MailMunch to manage the mailing list, if the visitor has subscribed to any newsletters or blog posts.
ajs_anonymous_idthird party1 yearTypeform uses this cookie to identify a specific visitor - this information is used to identify the number of specific visitors on a website
ajs_group_idthird party1 yearTypeform uses this cookie to assign specific visitors into segments, this segmentation is based on visitor behavior on the website - the segmentation can be used to target larger groups.
ajs_user_idthird party1 yearTypeform uses this cookie to collect data on the visitor's behavior on the website - this information can be used to assign the visitor to a visitor segment, based on common preferences
attribution_user_idthird party1 yearThis cookie is used by Typeform.  It's purpose is pending.
collectPixelSessionUsed to send data to Google Analytics about the visitor's device and behavior. Tracks the visitor across devices and marketing channels.
device_viewthird party1 monthTypeform uses this cookie which is associated with the MobileDetectBundle library for the Symfony PHP web development framework. Used for adaptive/responsive sites to determine which version should be served according to the user's device (e.g. desktop or mobile)
eventPixelSessionThis pixel is used by MailMunch for mailing list management.
frthird party3 monthsUsed by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.
mailmunch_second_pageviewpersistent1 yearThe cookie is used by MailMunch to manage the mailing list, if the visitor has subscribed to any newsletters or blog posts. Initiated by novelfinancial.ca
mailmunch_shown_719352third party1 dayThis cookie is used by MailMunch to track the subscription pop-up views by a user.
r/collectPixelSessionThis cookie (pixel) is used to send data to Google Analytics about the visitor's device and behaviour. It tracks the visitor across devices and marketing channels.
trPixelSessionUsed by Facebook to deliver a series of advertisement products such as real time bidding from third party advertisers.
uvcthird party1 dayUpdates the counter for the website's social sharing features. Utilized by AddToAny.com
viewed_cookie_policyPersistent1 yearThis cookie is used by novelfinancial.ca to track whether or not a visitor has viewed and accepted the cookie policy banner.
zero_interactionthird party10 yearsThis cookie is used by Typeform.  Its purpose is pending.

Use the options in your web browser if you do not wish to receive a cookie or if you wish to set your browser to notify you when you receive a cookie. You can easily delete and manage any cookies that have been installed in the cookie folder of your browser by following the instructions provided by your particular browser manufacturer.

Embedded content from other websites

Articles on this website may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.


This website utilizes Google analytics.

You may opt-out of Google Analytics for Display Advertisers including AdWords and opt-out of customized Google Display Network ads by visiting the Google Ads Preferences Manager. To provide website visitors more choice on how their data is collected by Google Analytics, Google has developed an Opt-out Browser add-on, which is available by visiting Google Analytics Opt-out Browser Add-on, to enable you to opt-out of Google’s programs.

Who we share your data with

All data collected through the financial planning process is not shared with anyone and is kept strictly confidential.

Data collected via the contact forms and blog comments are shared with WordPress plugins and service providers as listed below as required.

The Site utilizes caching in order to facilitate a faster response time and better user experience. Caching potentially stores a duplicate copy of every web page that is on display on this website. All cache files are temporary and are never accessed by any third party, except as necessary to obtain technical support from the cache plugin vendor. Cache files expire on a schedule set by the Site administrator, but may easily be purged by the admin before their natural expiration, if necessary.

In addition, the below external resources are utilized by the plugins implemented on this WordPress site and may capture additional personal information.  What these resources capture is beyond our control.

  • fonts.gstatic.com
  • a.mailmunch.co
  • hash.qualia.id
  • static.addtoany.com
  • sync.graph.bluecava.com
  • fonts.googleapis.com
  • www.google-analytics.com
  • s.thebrighttag.com
  • adserver.intentiq.com
  • s.btstatic.com
  • ajax.googleapis.com
  • p.alcmpn.com
  • forms.mailmunch.co
  • stats.g.doubleclick.net
  • mpnv2-prod-c.alcmpn.com
  • static.complementics.com
  • bid.intentiq.com
  • analytics.mailmunch.co
  • api.intentiq.com

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.

Financial planning data will be retained for the duration of your tenure as a client.  This data will no longer be retained 7 years after you cease to be a client.

What rights you have over your data

If you have an account on this Site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Client financial data that will be retained can be shared with you upon request

Where we send your data

Visitor comments may be checked through an automated spam detection service.

See above re: who we share your data with.

Your contact information

If you submit information via our contact form, register for our newsletter or contact Novel via email, your information is being gathered for the purpose of future communication and marketing.  You can opt out of future communication at any time.  Please contact [email protected] to opt out.

How we protect your data

Client financial data is stored via a cloud service provider to ensure up to date data security measures are in place.

All-in-One WP Security plugin has been utilized to ensure that the Site is secure.

We rely on the security protocols of Zapier, Google, Cloudflare, AddToAny, Typeform, MailMunch, MailChimp, Gravatar, and all other service providers’ utilized by the Site, if not specifically listed, to protect your data through transmission and interaction with their services.