Cookie Policy

We will retain your cookie preferences for 6 months after which we will ask you to select them again. If you clear your cookie settings in your browser before 6 months, we will ask you to select your cookie preferences the next time you access our website.

This Cookie Policy applies when you use Saphira Financial Group websites and mobile applications (collectively referred to as “Online Services”). The collection, use and disclosure of personal information described in this Cookie Policy supplements the contents of our Privacy Policy.

Cookies are used to store your settings and preferences such as sign-in details and language preferences to improve your experience on your next visit to our Online Services. We also use cookies to measure our site performance to help identify how we could improve our site. Cookies may also be used for advertising related purposes on third-party websites you visit.

Types of Cookies We Use

We use 2 types of cookies:

1. Session cookies are erased when you close your browser and leave our website.
2. Persistent cookies remain on your computer when you close your browser and leave our Online Services.

Cookies set by Saphira Financial Group are called “first-party cookies.” These cookies are used to collect analytics data, remember language settings, sign-in details and other preferences to provide a tailored experience.

Cookies set by parties other than us are called “third-party cookies.” These cookies are often persistent cookies and allow third-party features or functionality such as advertising and interactive content and analytics to be provided on our Online Services, or through other websites.

Web beacons are also referred to as pixel tags. They are embedded in a web page or email and are not usually visible to you. Web beacons are used for many of the same purposes as cookies, including measuring activity on the website or email they are embedded in. If the purpose of the web beacon is to set a cookie, disabling cookies will prevent that.

The Type of Data Being Collected

We gather data when you interact with our Online Services. The data we collect may include:

• Your IP address
• When you visit our site
• How you explore our websites including which pages you visit, when you visit and for how long
• How you navigated to our site (such as from a search engine or third-party site)
• Information about the device and browser used and other similar details
• Financial tools and calculators you use
• Research reports and content you access
• Client portal usage patterns (if applicable)

How We Use the Data Being Collected

The data that we collect from you when you interact with our Online Services may be used for the following purposes:

Essential

We use the information collected to securely verify your identity when you sign in and navigate our Online Services. We may use information about your browsing session as you navigate our Online Services so they can function properly.

This includes:

• Maintaining secure client portal access
• Processing financial calculator requests
• Ensuring proper functionality of research tools
• Protecting against fraudulent activity

Functional

We use the information collected to provide functionality and personalization to improve your experience, such as remembering your sign-in credentials and your language selection for future visits. We may also display content of financial products and services which were of interest to you based on your previous visits.

This includes:

• Customizing your dashboard experience
• Remembering your preferred financial tools
• Personalizing research recommendations
• Maintaining your communication preferences

Analytics and Performance

When you use our Online Services, we collect information about the performance and usage of our websites with web analytics to understand your needs. The data collected helps us understand how many visitors we get, times when visitors come to our site and which pages are the most and least popular. It also helps us understand how visitors move around the site and if they encounter errors or performance issues.

This helps us to measure performance and understand engagement with our Online Services so that we can enhance your experience by making it easier to find information about our financial services and investment solutions.

Specific analytics include:

• Usage patterns of financial calculators and tools
• Popular research content and market analysis
• Client portal functionality performance
• Website optimization for better user experience

Advertising

We use third parties (like Google, Meta, LinkedIn, X (formerly Twitter), and other professional platforms) to deliver advertisements for our financial services on their websites and applications based on your browsing interactions with our Online Services. These third parties use their own technologies, which include cookies and pixel tags.

These third parties are used to deliver our advertisements based on how you interact with our Online Services. If you interact with our advertisements on the third-party websites and applications, we may also track your engagement so we can evaluate the effectiveness of our marketing campaigns.

You may still see Saphira Financial Group advertisements even if you turn off advertising cookies. These are part of our advertising campaigns which are not linked to your browsing history.

Geolocation

We may also offer location-enabled services on our Online Services, such as finding nearby financial advisors or local market information. These services may receive information about your actual location or information that can be used to approximate your location. You will be asked for your consent to use the geolocation service.

Social Media Platforms

Saphira Financial Group is active with social media and you may interact with us on these platforms. These platforms are not ours so if you use them, they will have their own cookie policies, privacy policies, and terms of use.

We aren’t affiliated with the providers of the social media platforms we use. Content that you post is not private and may be seen by anyone who uses the platform. We advise you to read the privacy policies and terms of use of these platforms and other websites before using them and posting any personal information.

Saphira Financial Group reserves the right to remove any posts or comments that constitute or include sensitive personal information, personal attacks, defamatory, abusive or hateful comments, or content inappropriate for professional financial services discussions.

Professional Networks

As a financial services firm, we may also utilize professional networking platforms such as LinkedIn for business development and thought leadership purposes. Interactions on these platforms are subject to their respective privacy and cookie policies.

Managing Your Cookie Preferences

You can control how we collect and use your personal information by:

• Visiting our Cookie Consent Manager and choosing your cookie settings
• Adjusting your browser settings to block or delete cookies
• Opting out of targeted advertising through industry opt-out tools
• Managing your preferences in your client portal (if applicable)

Please note that disabling certain cookies may affect the functionality of our Online Services and your user experience.

Data Retention

Cookie data is retained in accordance with our data retention policies and applicable legal requirements. Analytics data is typically retained for up to 26 months, while functional cookies are retained based on your preference settings (up to 6 months by default).

Regulatory Compliance

Our use of cookies complies with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

For clients subject to additional regulatory requirements (such as institutional clients), additional privacy and data protection measures may apply as outlined in separate agreements.

Contact Information

For questions about this Cookie Policy or to manage your cookie preferences, please contact:

Privacy Officer
Saphira Financial Group Inc.
73-10405 Jasper Ave
Standard Life Building
Edmonton, Alberta T5J 3S2

Email: privacy@saphirafinancial.com

Revised: August 2025
Saphira Financial Group and designs are trademarks of Saphira Financial Group Inc.