Privacy Policy

At RiteFinance (“we,” “our,” or “us”), we respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose and protect personal information when you use our website and related services (collectively, the “Services”), in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.

Information We Collect

We may collect the following types of information:

• Personal Information: such as your name, email address, phone number, province, and details about the mortgage or life insurance you are looking for, or (for brokers) your business details and licence number, when you fill out forms or contact us.
• Usage Data: including IP address and approximate location, browser type, operating system, and activity on our site. We do not send your name, email address or phone number to our analytics tools.
• Cookies and Tracking: we use cookies and similar technologies to improve user experience and measure traffic.

Your Consent

We collect, use and share personal information only with your knowledge and consent, except where the law allows or requires otherwise. When you submit a quote request, you consent to us sharing it with the licensed mortgage broker or life insurance advisor who will contact you. You can withdraw consent at any time, subject to legal or contractual restrictions, by contacting our Privacy Officer below.

How We Use Your Information

We use your information to:

• Provide and improve our Services
• Process requests, demo bookings, or inquiries
• Match you with a licensed broker or advisor, and deliver your request to them
• Send you messages you have asked for or consented to (see Electronic Messages below)
• Maintain security and prevent fraud
• Comply with applicable laws and regulations

How We Share Information

We do not sell your personal information to the public. We may share it with:

• Trusted service providers (e.g., payment processors, analytics, cloud hosting) who assist us in running the platform
• The licensed broker or advisor you asked us to connect you with, and, for broker customers, our lead-delivery systems
• Legal authorities if required by law

Our service providers are required to protect your information. Some of them (including cloud hosting and analytics providers) may process or store information outside Canada, including in the United States, where it may be accessible to courts and authorities under local law.

Electronic Messages (CASL)

We send commercial emails and text messages only with your consent, as required by Canada’s Anti-Spam Legislation (CASL). Every commercial message identifies us and includes a working way to unsubscribe. Reply STOP to a text message to opt out.

Data Retention

We keep personal information only as long as necessary to fulfil the purposes outlined here or as required by law, and then securely delete or anonymize it.

Your Rights

Under Canadian privacy law you may have the right to:

• Access the personal information we hold about you, and ask us to correct it
• Withdraw consent, or ask us to delete your information where the law allows
• Opt out of marketing communications
• Receive a copy of your information in a portable format (where applicable, including for Quebec residents under Law 25)
• Ask how we handled your information, and make a complaint to us or to the Office of the Privacy Commissioner of Canada

Security

We implement reasonable technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction.

Third-Party Links

Our Services may contain links to other websites. We are not responsible for the privacy practices of third-party sites.

Changes to This Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a new “Last Updated” date.

Privacy Officer & Contact

Our Privacy Officer is responsible for our compliance with this policy. For access requests, questions or complaints, contact: privacy@ritefinance.ca