1. Introduction
LendFix ("we," "us," or "our") is committed to protecting the privacy and personal information of all individuals who visit our website or engage with our services.
This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with Quebec's Act respecting the protection of personal information in the private sector (Law 25 / Bill 64), Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), and any other applicable privacy legislation.
By using our website or contacting us, you consent to the practices described in this policy.
2. Information We Collect
We may collect the following categories of personal information:
Information you provide directly:
- Full name, email address, phone number, and mailing address
- Financial information relevant to mortgage qualification (income, employment status, assets, liabilities)
- Property information (type, location, purchase price, estimated value)
- Government-issued identification numbers, where required by law
- Any other information you voluntarily submit through our contact forms or consultations
Information collected automatically:
- IP address and browser type
- Pages visited, time spent on the site, and referring URLs
- Cookies and similar tracking technologies (see Section 7)
3. How We Use Your Information
We use your personal information for the following purposes:
- To respond to your inquiries and provide mortgage brokerage services
- To assess your eligibility and match you with suitable mortgage products
- To communicate with lenders, financial institutions, and other parties on your behalf
- To comply with our legal and regulatory obligations as a licensed mortgage broker in Quebec
- To improve our website and services
- To send relevant updates or information, where you have provided consent
- To prevent fraud and ensure the security of your information
We will not use your personal information for any purpose other than those listed above without your prior consent.
4. Disclosure of Your Information
We may share your personal information with:
- Lenders and financial institutions to process your mortgage application
- Credit bureaus as required during the mortgage qualification process
- Legal and compliance professionals when required by law or regulatory authority
- Service providers who assist us in operating our website or delivering our services, subject to confidentiality agreements
- Government authorities when required by law, court order, or regulatory requirement
We do not sell, rent, or trade your personal information to third parties for marketing purposes.
5. Retention of Personal Information
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. When your information is no longer needed, it will be securely deleted or anonymized.
6. Your Rights
Under Quebec Law 25 and applicable federal legislation, you have the right to:
- Access the personal information we hold about you
- Correct any inaccurate or incomplete information
- Withdraw consent to the processing of your personal information, subject to legal or contractual limitations
- Request the deletion of your personal information, where applicable
- File a complaint with the Commission d'accès à l'information (CAI) if you believe your privacy rights have been violated
To exercise any of these rights, please contact us using the information in Section 10.
7. Cookies and Tracking Technologies
Our website does not uses cookies.
8. Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is completely secure, and we cannot guarantee absolute security.
9. Links to Third-Party Websites
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites and encourage you to review their privacy policies independently.
10. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact us.
11. Changes to This Policy
We reserve the right to update this Privacy Policy at any time. Any changes will be posted on this page with a revised "Last updated" date. We encourage you to review this policy periodically.
