Privacy Policy

1. Introduction

Borrowwise ("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 services. Please read this policy carefully to understand our practices regarding your personal data.

2. Information We Collect

Information You Provide

We may collect information you voluntarily provide, including:

• Contact Information: Name, email address, phone number when you submit forms or book consultations
• Financial Information: Income, debts, and property details entered into our calculators
• Communication Data: Messages, inquiries, and feedback you send us
• Newsletter Subscriptions: Email address and preferences

Automatically Collected Information

When you visit our website, we may automatically collect:

• Device Information: Browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent, clicks, and navigation patterns
• Location Data: General geographic location based on IP address
• Cookies and Tracking: See our Cookie section below

3. How We Use Your Information

We use the collected information for:

• Providing and improving our mortgage calculators and tools
• Responding to your inquiries and providing customer support
• Sending newsletters, updates, and marketing communications (with consent)
• Scheduling and conducting consultations
• Analyzing website usage to improve user experience
• Complying with legal obligations and regulatory requirements
• Preventing fraud and ensuring security

4. Data Storage and Security

Local Storage

Our calculators and tools primarily use your browser's local storage to save your calculations and preferences. This data stays on your device and is not transmitted to our servers unless you explicitly submit it through a form.

Security Measures

We implement appropriate technical and organizational measures to protect your personal information, including encryption, secure connections (HTTPS), access controls, and regular security assessments. However, no method of transmission over the Internet is 100% secure.

5. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Essential Cookies: Enable basic website functionality
• Preference Cookies: Remember your settings (e.g., dark mode)
• Analytics Cookies: Understand how visitors use our website
• Marketing Cookies: Deliver relevant advertisements (with consent)

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality.

6. Information Sharing and Disclosure

We may share your information with:

• Service Providers: Third parties who assist with website hosting, analytics, and communications
• Lenders and Partners: With your explicit consent, when you request mortgage services
• Legal Requirements: When required by law, court order, or government regulations
• Business Transfers: In connection with a merger, acquisition, or sale of assets

We do not sell your personal information to third parties.

7. Your Privacy Rights

Under Canadian privacy law (PIPEDA), you have the right to:

• Access: Request a copy of your personal information we hold
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your personal information
• Withdrawal: Withdraw consent for marketing communications
• Complaint: File a complaint with the Privacy Commissioner of Canada

To exercise these rights, contact us using the information provided below.

8. Data Retention

We retain personal information only as long as necessary for the purposes described in this policy, or as required by law. Contact form submissions and consultation records are typically retained for 7 years to comply with financial services regulations. You may request earlier deletion where legally permitted.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

10. Third-Party Services

Our website may integrate with third-party services including:

• Calendly: For scheduling consultations
• Analytics Services: For website usage analysis
• Email Services: For newsletter delivery

These services have their own privacy policies, and we encourage you to review them.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting the new policy on this page with an updated "Last updated" date. Your continued use of the website after changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact our Privacy Officer: