Your Mortgage Plus
Effective Date: August 28, 2024

Your Mortgage Plus (“we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in compliance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), the Digital Charter Implementation Act (C-27), the General Data Protection Regulation (GDPR), and the California Consumer Privacy Act (CCPA), where applicable.

By using our website www.yourmortgageplus.ca, you consent to the collection and use of your information as described in this policy.

1. Information We Collect

We collect two types of information:

1. Personal Information – Provided voluntarily by users.
2. Non-Personal Information – Collected automatically through website analytics and cookies.

A. Personal Information

We collect the following personal information when you interact with us:

• Name
• Email address
• Phone number
• Mailing address
• Employment or financial details (if applicable for mortgage-related services)
• Any information provided when submitting a form, subscribing to our newsletter, or contacting us

How We Use This Information:

• To provide mortgage-related services
• To respond to inquiries and process applications
• To send marketing communications (only with your consent)
• To improve our website and services

You may withdraw consent for marketing communications at any time by clicking the “unsubscribe” link in our emails or contacting us directly.

B. Non-Personal Information (Automatically Collected)

When you visit our website, our system collects non-personal data, including:

• IP address and domain of your internet service provider
• Browser type and operating system
• Date and time of your visit
• Pages visited and referral URLs

We use this information for website analytics and to enhance user experience. This data does not identify individuals and is used only in aggregate form.

2. Use of Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance user experience and gather website analytics. A cookie is a small file stored on your device that helps improve site functionality and customization.

You can manage cookie settings in your browser, including disabling cookies entirely. However, some features of our website may not function properly without cookies.

If we use third-party tracking tools such as Google Analytics or Facebook Pixel, we ensure compliance with privacy regulations. You may opt out of tracking through browser settings or by visiting Google’s Ads Settings page.

3. Third-Party Services & Data Sharing

We do not sell, rent, or trade your personal information. However, we may share data with trusted third-party service providers who assist us in operating our website or providing mortgage-related services. These providers include:

• Google Analytics (website traffic analysis)
• Email marketing platforms (for newsletters and promotions)
• Payment processors (if applicable for transactions)
• Legal or regulatory authorities (if required by law)

If your data is processed outside Canada, we ensure that appropriate security measures are in place.

4. Data Retention & Your Rights

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law.

Under PIPEDA, GDPR, and CCPA, you have the right to:

• Access your personal data
• Correct any inaccuracies
• Withdraw consent for marketing communications
• Request deletion of your data (except where required by law)

To exercise these rights, contact us at [your contact email].

5. Security Measures

We implement reasonable security measures to protect your personal data from unauthorized access, loss, or misuse. However, no internet transmission or storage system is 100% secure, and we cannot guarantee absolute security.

6. Data Breach Notification

In the event of a data breach affecting personal information, we will:

1. Notify affected users via email within 72 hours (if legally required).
2. Report the breach to Canadian privacy authorities (if necessary).
3. Take immediate action to secure our systems and prevent further breaches.

7. External Links & Third-Party Sites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of external sites. Users should review the privacy policies of any site they visit.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The latest version will always be available at www.yourmortgageplus.ca. Continued use of our website after changes are posted constitutes acceptance of the updated policy.

9. Contact Us

For any privacy-related questions or to exercise your rights under this policy, please contact:

Your Mortgage Plus
Phone: (306) 988-8248
Email: info@yourmortgageplus.ca