Last updated: February 28, 2026
Welcome to Budget & Baby Steps (“we”, “us”, “our”), accessible at https://budgetandbabysteps.com (the “Site”). We respect your privacy and are committed to protecting your personal information in accordance with the laws of the Province of Quebec (Law 25), the federal laws of Canada, and international data protection standards where applicable.
1. Person Responsible for Personal Information
In accordance with Quebec’s Act respecting the protection of personal information in the private sector, the person responsible for the protection of personal information (Privacy Officer) is:
Budget & Baby Steps Email: [email protected]
For any questions, access requests, corrections, or complaints regarding your personal information, please contact us at the email address above.
2. Information We Collect
We collect information to provide a better experience on our Site:
- Voluntary Information: Name and email address provided via contact forms or blog comments.
- Automatically Collected Information: IP address, browser type, device type, pages visited, and referring website. This is collected via cookies and analytics tools.
3. Cookies and Tracking
We use a consent management tool (CookieYes) to ensure “Privacy by Default.”
- Essential Cookies: Required for the site to function.
- Non-Essential Cookies: Used for analytics and affiliate tracking. These are disabled by default until you provide express consent.
- You may withdraw or modify your consent at any time via the “Cookie Settings” link in our footer.
4. Third-Party Services & Data Transfers
We use third-party providers to help run the Site:
- Google Analytics: To analyze traffic.
- Amazon Associates: To track affiliate referrals.
- Hosting/Security: To keep the site live and safe.
Cross-Border Transfers: Some of these providers may process or store data outside of Quebec or Canada (notably in the United States). By consenting to cookies or using our contact forms, you acknowledge that your information may be subject to the laws of those jurisdictions. We conduct Privacy Impact Assessments to ensure these providers offer an adequate level of protection.
5. Data Retention
We retain personal information only as long as necessary for the purposes outlined in this policy.
- Comments: If you leave a comment, the comment and its metadata are retained indefinitely so we can recognize and approve follow-up comments automatically. If you request deletion, we will remove your personal identifiers (name/email).
6. Your Rights
Under Law 25 and Canadian law, you have the following rights:
- Access & Rectification: The right to see and correct your data.
- De-indexing: The right to request that we stop disseminating your information.
- Data Portability: The right to receive your personal data in a structured, commonly used technological format.
- Withdrawal of Consent: The right to change your mind about our use of your data.
To exercise these rights, please contact our Privacy Officer at [email protected].
7. Security
We implement reasonable technical and administrative measures to protect your data. However, no internet transmission is 100% secure. In the event of a “Confidentiality Incident” (data breach) that presents a risk of serious injury, we will notify you and the Commission d’accès à l’information du Québec as required by law.
8. Children’s Privacy
The Site is not directed to children under 14 years of age. We do not knowingly collect information from children under 14 without parental consent.