Cookie Policy

Last Updated: April 23, 2026  |  Effective Date: April 23, 2026

1. About This Policy

ACU operates as a financial services entity based in Canada and is committed to protecting the privacy and personal information of all users who visit our website. This Cookie Policy is designed to comply with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's Anti-Spam Legislation (CASL), and relevant provincial privacy laws. We also align our practices with internationally recognized standards, including the General Data Protection Regulation (GDPR), which serves as a global benchmark for data protection and privacy.

This policy should be read in conjunction with our Privacy Policy, which provides broader information about how we collect, use, and protect your personal data. Together, these documents form our complete disclosure regarding data practices on accu-ca.com.

2. What Are Cookies?

Cookies are small text files that are placed on your computer, smartphone, tablet, or other internet-connected device when you visit a website. These files are created by the web server and stored in your browser. Each time you revisit the same website, your browser sends the cookie back to the server, allowing the website to recognize your device and remember information about your previous visit.

Cookies serve a wide variety of purposes in modern web environments. They can be used to keep you logged into a secure portal, remember your language preferences, track your browsing behavior for analytics purposes, and deliver targeted advertising content relevant to your interests. Understanding how cookies work is essential for making informed decisions about your online privacy.

2.1 First-Party vs. Third-Party Cookies

First-party cookies are set directly by ACU on accu-ca.com. They are used primarily to ensure the website functions correctly and to enhance your browsing experience.

Third-party cookies are placed on your device by external organizations — such as Google, Meta (Facebook), or other analytics and advertising providers — whose services we incorporate into our website. These third parties have their own privacy and cookie policies that govern how they use the data they collect.

2.2 Session Cookies vs. Persistent Cookies

Session cookies are temporary and exist only for the duration of your browser session. They are automatically deleted when you close your browser and are essential for core website functionality.

Persistent cookies remain on your device for a specified period of time (or until you manually delete them) even after you close your browser. They allow websites to remember your preferences and actions across multiple sessions.

3. Why We Use Cookies

As a financial services provider, ACU relies on cookies for several important reasons:

• To ensure the security and integrity of our online financial tools and services
• To remember your preferences and settings so you do not have to re-enter information repeatedly
• To analyze how visitors interact with our website so we can improve usability and content
• To measure the effectiveness of our marketing campaigns and digital advertising
• To comply with regulatory requirements regarding secure online financial services
• To deliver relevant content and promotions tailored to your interests

4. Types of Cookies We Use

We classify the cookies used on accu-ca.com into four main categories. Below is a detailed description of each type and its purpose.

4.1 Essential / Strictly Necessary Cookies

These cookies are fundamental to the operation of our website and cannot be disabled without seriously affecting how the site functions. They are typically set in response to actions you take, such as logging into a secure area, completing a form, or setting your privacy preferences. Without these cookies, certain parts of our website — particularly any secure client portals or financial tools — will not work properly.

Essential cookies do not store any personally identifiable information and are not used for marketing purposes. Under PIPEDA and most privacy frameworks, these cookies do not require explicit user consent as they are strictly necessary for the delivery of the service.

4.2 Analytics / Performance Cookies

Analytics cookies help us understand how visitors interact with accu-ca.com by collecting and reporting information anonymously. This data allows us to count page visits, identify which pages are most popular, measure load times, track how users navigate through our site, and pinpoint where improvements are needed. All data collected through analytics cookies is aggregated and does not identify you as an individual.

We primarily use Google Analytics for this purpose. Google Analytics is a widely trusted web analytics service provided by Google LLC. The information generated by these cookies about your use of our website is transmitted to and stored on Google's servers, which may be located outside of Canada, including in the United States.

4.3 Functional Cookies

Functional cookies allow our website to remember choices you have made — such as your preferred language, currency display, or region — so that we can provide you with a more personalized experience. The information these cookies collect may be anonymized; they cannot track your browsing activity on other websites.

4.4 Advertising / Marketing Cookies

Advertising cookies are used to deliver advertisements that are relevant to your interests, both on our website and on third-party websites and platforms. These cookies track your browsing behavior and allow our advertising partners to build a profile of your interests. They may also be used to limit how often you see a particular advertisement and to measure the effectiveness of our campaigns.

We use Google Ads and may use similar services from other advertising networks. These third-party services use their own cookies to collect data, and their use is governed by their respective privacy policies.

5. Detailed Cookie Reference Table

The following table provides specific information about the cookies currently active on accu-ca.com, including their names, purposes, types, and durations.

Note: This table represents cookies in use as of the effective date of this policy. The specific cookies used on our website may change as we update our technology and service providers. We will update this table accordingly.

6. How to Manage and Disable Cookies

You have the right to decide whether to accept or decline cookies (except for strictly necessary cookies). There are several ways you can manage your cookie preferences:

6.1 Browser Settings

Most modern web browsers allow you to control cookies through their settings menus. You can configure your browser to block all cookies, accept only first-party cookies, delete existing cookies, or receive a notification before a cookie is stored. Below are direct links to cookie management instructions for the most popular browsers:

• Google Chrome: Manage cookies in Chrome
• Mozilla Firefox: Manage cookies in Firefox
• Apple Safari: Manage cookies in Safari
• Microsoft Edge: Manage cookies in Edge
• Opera: Manage cookies in Opera

Please be aware that if you use multiple devices or browsers to access our website, you will need to adjust your cookie settings on each device and browser separately.

6.2 Opt-Out Tools for Analytics and Advertising

In addition to browser settings, you can use the following opt-out tools provided by our third-party partners to limit how these services collect and use your data:

6.3 Our Cookie Consent Tool

When you first visit accu-ca.com, you will be presented with a cookie consent banner that allows you to accept or decline non-essential cookies. You may change your preferences at any time by clicking on the "Cookie Settings" link, which is available in the footer of every page on our website. Your consent choices are stored using a first-party cookie and will be respected on subsequent visits from the same device and browser.

7. Impact of Disabling Cookies

While you have every right to disable or limit cookies, please be aware that doing so may affect your experience on our website and limit your access to certain features and services:

ACU is not responsible for any degraded website performance or inaccessible features that result from the disabling of cookies by the user. We recommend reviewing your cookie preferences periodically to ensure they reflect your current privacy needs.

8. Data Transfers Outside Canada

Some of the third-party cookies used on our website — particularly those associated with Google Analytics and Google Ads — may result in the transfer of your data to servers located outside Canada, including in the United States. When such transfers occur, they are subject to the privacy laws of the destination country, which may offer different levels of protection than Canadian law.

ACU ensures that any international data transfers involving our service providers are governed by appropriate data protection agreements and safeguards, consistent with the requirements of PIPEDA and applicable provincial legislation. For more information about how Google handles data transfers, please refer to Google's Privacy Policy.

9. Cookies and Children's Privacy

Our website and services are not directed at individuals under the age of 18. We do not knowingly use cookies to collect personal information from minors. If you are a parent or guardian and believe your child has been subject to tracking via cookies on our website, please contact us immediately using the contact details below so that we can take appropriate action.

10. Legal Basis for Using Cookies in Canada

Under PIPEDA, organizations must obtain meaningful consent before collecting, using, or disclosing personal information — including data collected through cookies. For non-essential cookies, we obtain your consent through our cookie consent banner at the time of your first visit. For essential cookies, we rely on implied consent based on the fact that these are strictly necessary for the delivery of the services you request.

Canada's Anti-Spam Legislation (CASL) also applies to certain forms of electronic communication and tracking. ACU complies fully with CASL requirements in its digital marketing and communications activities. Additionally, provincial privacy laws such as Quebec's Law 25 (Act Respecting the Protection of Personal Information in the Private Sector) impose specific transparency and consent requirements regarding cookies, which we strive to meet in our operations.

11. Changes to This Cookie Policy

We reserve the right to update or modify this Cookie Policy at any time to reflect changes in our practices, technology, legal requirements, or business operations. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically to stay informed about how we use cookies.

If changes are significant, we may also notify you through a prominent notice on our website or via email (where we hold your contact information). Your continued use of accu-ca.com after any changes to this policy constitutes your acceptance of the updated terms.

12. Contact Us

If you have any questions, concerns, or requests relating to this Cookie Policy or our use of cookies and tracking technologies, please do not hesitate to contact our Privacy Officer using the information below. We are committed to responding to all inquiries in a timely and transparent manner, in accordance with our obligations under Canadian privacy law.

This Cookie Policy was prepared in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), Quebec's Law 25, Canada's Anti-Spam Legislation (CASL), and with reference to international best practices including the General Data Protection Regulation (GDPR). Effective date: April 23, 2026.