Privacy Policy

1. Introduction

Mortgage Tools Canada ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website and use our mortgage calculators and tools.

By using our website, you consent to the data practices described in this policy. If you do not agree with this policy, please do not use our website.

2. Information We Collect

2.1 Information You Provide

We collect information that you voluntarily provide to us when you:

• Use our mortgage calculators and tools
• Subscribe to our newsletter or updates
• Contact us through our contact forms
• Participate in surveys or promotions
• Post comments or feedback

This information may include:

• Name and contact information (email address, phone number)
• Financial information entered into calculators (income, debts, home price)
• Demographic information (city, province)
• Any other information you choose to provide

2.2 Information Automatically Collected

When you visit our website, we automatically collect certain information about your device and browsing activity:

• Device Information: IP address, browser type, operating system, device type
• Usage Information: Pages visited, time spent on pages, links clicked, referring website
• Location Information: General geographic location based on IP address (city, province)
• Cookies and Similar Technologies: Data collected through cookies, web beacons, and similar technologies

2.3 Third-Party Information

We may receive information about you from third-party services:

• Google Analytics: Website traffic and user behavior data
• Google AdSense: Advertising interaction and preferences
• Social Media Platforms: If you interact with us on social media

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 To Provide and Maintain Our Services

• Operate and maintain our website and calculators
• Process your calculator inputs and provide results
• Respond to your inquiries and support requests
• Send you technical notices and updates

3.2 To Improve Our Services

• Analyze website usage and user behavior
• Understand which calculators and features are most popular
• Identify and fix technical issues
• Develop new features and improve existing ones

3.3 To Communicate With You

• Send you newsletters and educational content (with your consent)
• Respond to your comments and questions
• Notify you about changes to our services or policies
• Request feedback or participation in surveys

3.4 For Marketing and Advertising

• Display relevant advertisements through Google AdSense
• Personalize your experience on our website
• Measure the effectiveness of our marketing campaigns

3.5 For Legal and Safety Purposes

• Comply with legal obligations and regulations
• Protect our rights, privacy, safety, or property
• Detect, prevent, and address fraud or security issues
• Enforce our Terms of Service

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect and track information about your website usage.

4.1 Types of Cookies We Use

4.2 Managing Cookies

You can control and manage cookies in several ways:

• Browser Settings: Most browsers allow you to refuse or accept cookies
• Opt-Out Tools: Use Google's Ads Settings to control personalized advertising
• Do Not Track: Enable Do Not Track in your browser settings

5. Google Services

5.1 Google Analytics

We use Google Analytics to understand how visitors interact with our website. Google Analytics collects information such as:

• How often users visit our site
• Which pages they visit and in what order
• How long they stay on each page
• What links they click

Google Analytics uses cookies to track this information. The data collected is anonymized and aggregated. Google's privacy policy is available at: https://policies.google.com/privacy

5.2 Google AdSense

We use Google AdSense to display advertisements on our website. Google may use cookies and other tracking technologies to:

• Serve ads based on your prior visits to our website or other websites
• Measure ad effectiveness and engagement
• Prevent the same ad from showing too many times
• Personalize ads based on your interests

You can opt out of personalized advertising by visiting Google's Ads Settings: https://www.google.com/settings/ads

6. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your information in the following limited circumstances:

6.1 Service Providers

We may share information with third-party service providers who perform services on our behalf:

• Web hosting and server providers
• Analytics providers (Google Analytics)
• Advertising networks (Google AdSense)
• Email service providers (if you subscribe to newsletters)
• Customer support and communication tools

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

6.2 Legal Requirements

We may disclose your information if required by law or in response to:

• Legal process, court orders, or government requests
• Protection of our rights, property, or safety
• Investigation of potential violations of our Terms of Service
• Prevention of fraud or security threats

6.3 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We will notify you via email and/or prominent notice on our website of any such change in ownership or use of your personal information.

6.4 With Your Consent

We may share your information for any other purpose with your explicit consent.

7. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption: We use HTTPS/SSL encryption to protect data in transit
• Access Controls: Limited access to personal information on a need-to-know basis
• Security Monitoring: Regular monitoring for security vulnerabilities
• Data Minimization: We collect only the information necessary for our purposes

8. Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

• Calculator Data: Not stored on our servers (processed in your browser only)
• Contact Information: Retained until you request deletion or unsubscribe
• Analytics Data: Retained for 26 months (Google Analytics default)
• Server Logs: Retained for 90 days for security purposes

When we no longer need your information, we will securely delete or anonymize it.

9. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

9.1 Access and Portability

You have the right to request access to the personal information we hold about you and receive a copy in a portable format.

9.2 Correction

You have the right to request correction of inaccurate or incomplete personal information.

9.3 Deletion

You have the right to request deletion of your personal information, subject to certain legal exceptions.

9.4 Opt-Out

You have the right to opt out of:

• Marketing emails (unsubscribe link in every email)
• Personalized advertising (Google Ads Settings)
• Analytics tracking (browser extensions like uBlock Origin)

9.5 Withdraw Consent

Where we rely on your consent to process your information, you have the right to withdraw that consent at any time.

10. Children's Privacy

Our website is not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18.

If you are a parent or guardian and believe your child has provided us with personal information, please contact us immediately. We will delete such information from our systems.

11. International Data Transfers

Our website is hosted in Canada. If you access our website from outside Canada, your information may be transferred to, stored, and processed in Canada or other countries where our service providers operate.

By using our website, you consent to the transfer of your information to countries outside your country of residence, which may have different data protection laws.

12. Third-Party Links

Our website may contain links to third-party websites, including:

• Bank and lender websites
• Government resources (CMHC, Bank of Canada)
• Real estate services
• Financial education resources

We are not responsible for the privacy practices of these third-party websites. We encourage you to review their privacy policies before providing any personal information.

13. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by businesses
• Right to opt-out of the sale of personal information
• Right to non-discrimination for exercising your CCPA rights

We do not sell your personal information.

14. European Privacy Rights (GDPR)

If you are located in the European Economic Area (EEA), you have rights under the General Data Protection Regulation (GDPR):

• Right to access your personal data
• Right to rectification of inaccurate data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent

Our legal basis for processing your information includes:

• Consent: You have given clear consent for specific purposes
• Contract: Processing is necessary to provide our services
• Legal Obligation: Processing is necessary to comply with law
• Legitimate Interests: Processing is necessary for our legitimate interests

15. Canadian Privacy Laws (PIPEDA)

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws in Canada.

Under PIPEDA, we are committed to:

• Accountability for personal information under our control
• Identifying purposes for collecting personal information
• Obtaining consent when we collect, use, or disclose personal information
• Limiting collection to what is necessary
• Limiting use, disclosure, and retention
• Ensuring accuracy of personal information
• Protecting personal information with appropriate safeguards
• Being open about our policies and practices
• Providing access to personal information upon request
• Addressing challenges to compliance

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal, operational, or regulatory reasons.

When we make changes:

• We will update the "Last Updated" date at the top of this policy
• We will notify you of material changes via email (if you're subscribed) or prominent notice on our website
• Your continued use of our website after changes constitutes acceptance of the updated policy

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information.

17. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

For privacy complaints or concerns, you may also contact the Privacy Commissioner of Canada:

Office of the Privacy Commissioner of Canada
30 Victoria Street
Gatineau, Quebec K1A 1H3
Toll-free: 1-800-282-1376
Website: www.priv.gc.ca

18. Summary of Key Points

Last Updated: April 10, 2026

Effective Date: January 1, 2026