April 25, 2023

This Privacy Policy is incorporated into the Terms of Service.  At MortgageRateBot, we are committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, and disclose your personal information, in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), which governs the collection, use, and disclosure of personal information in Canada.

Accountability

We keep internal practises and procedures in place to guarantee that we follow this Privacy Policy and that it is updated when our offers and activities change. We make every effort to maintain and upgrade process and policies that:

• Specify the purposes for which we will gather your Personal Information;
• Get proper and meaningful permission for the collection;
• Restrict the collection, use, and dissemination of your personally identifiable information;
• Check that your personal information is correct, comprehensive, and up to date.
• Check if the security mechanisms in place are adequate to protect your personal information.
• Establish a schedule for retention and destruction.
• Respond to complaints, enquiries, and access requests to your Personal Information;
• Protocols for breach and incident management;
• Evaluate potential threats to your personal information.
• Make certain that third-party service providers only use Personal Information in line with this Privacy Policy; and
• Provide our personnel with sufficient privacy training.

Identifying Purposes

In order to deliver the Services, we must collect, utilize and share certain information about you.

Our goal is to collect, use, and disclose only the personal data that is necessary for the provision of the Services, management of your account, identification and authentication, response to enquiries and feedback, and enhancement of our offerings.

We collect personal information about you when you interact with us, including but not limited to when you:

• Contact us through our website, chatbot or by email, phone, or mail;
• Subscribe to our newsletters or promotional emails;
• Purchase products or services from us;
• Participate in surveys, contests, or promotions;
• Submit feedback or comments to us.

The personal information we may collect includes your name, email address, phone number, mailing address, billing information, and any other information you provide to us.

Consent

In certain situations, such as when you knowingly and voluntarily provide us with your personal information, including directly in writing or electronically, for a specific stated purpose, your consent to the collection, use, and disclosure of Personal Information as described in this Privacy Policy will be implied through your use of the Service.

When you access the Services through devices or software that you have supplied your personal information to, and those services are authorised to transmit it to us, we also rely on those third parties for your consent.

In some cases, we may need your permission to collect, use, or share any information about you. When using your personal information for a new purpose or where it is especially sensitive, we will always ask for your permission first. You may give us permission by checking a box, agreeing to terms, or performing some other action.

Information

Through the Website and our Services, we may collect two kinds of information: personal information and information about the Website.

"Personal Information" is information that can be used to identify you, such as your name, address, e-mail address, credit card information, birth date, and gender.  Employment-related information, Financial and bank information including your credit score and information about your assets, liabilities, income and expenses. We will attempt to make it clear at the time of collection what Personal Information is being gathered and how it will be used.  Information will be shared with a third-party Mortgage Broker. 

"Website Information" includes things like your Internet Protocol Address (IP Address), the domain used to access the Website, and the type and version of browser or operating system being used by Website visitors.

Use of Information

The Information collected is used to ensure we can provide products and services to you and fulfill our obligations to you.

We may use your personal information for the following purposes:

• To communicate with you about our products, services, and promotions;
• Services may include but is not limited to accounts, request forms, online tools, mortgage application referrals, credit reports, marketing communication, and Google Analytics.  
• To process and fulfill your orders for products and services;
• To personalize your experience on our website;
• To improve our products and services;
• To conduct market research and analyze trends;
• To comply with legal and regulatory requirements.

Disclosure of Personal Information

We may share your personal information with third-party service providers who help us operate our business, including banks, mortgage brokers, mortgage underwriters or those providing mortgage related services. Additionally, your personal information may be shared with website hosting, payment processing, and marketing services. We will only share the personal information necessary for these service providers to perform their services, and we will require them to protect your personal information in accordance with PIPEDA.

We may also disclose your personal information if required by law or if we believe that the disclosure is necessary to protect our rights or the safety of others.

Opting Out

You can change your mind at any time about how we collect, use, or share your Personal Information. But if you stop giving permission, you might not be able to use all of the features on the Website and/or the Services.

Protection of Personal Information

We take reasonable steps to protect your personal information from loss, unauthorized access, and misuse. We use physical, technical, and administrative safeguards to protect your personal information.

Access and Correction of Personal Information

You have the right to access and correct the personal information we hold about you. If you would like to access or correct your personal information, please contact us.

Retention of Personal Information

We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, unless a longer retention period is required by law.

Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. We encourage you to review this Privacy Policy periodically to stay informed about our collection, use, and disclosure of your personal information.

We reserve the right to change our Privacy Policy at any time. If we decide to change this Privacy Policy in the future. Any changes to this Privacy Policy will go into effect when they are posted. Our current Privacy Policy applies to all of the information we have about you, unless it says otherwise. The most recent change was made on the date shown above.

Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us.