Privacy Policy

1. Introduction

TorontoReverseMortgages.com values your privacy. This Privacy Policy outlines how we collect, use, and protect your personal information in accordance with Canadian privacy laws such as PIPEDA (Personal Information Protection and Electronic Documents Act).

2. Information We Collect

a. Personal Information You Provide:

• Full name
• Email address
• Phone number
• Property details (e.g., value, location)
• Age and income range (if submitted via form)

b. Automatically Collected Information:

• IP address
• Browser type and version
• Device type
• Date/time of visit
• Pages viewed and actions taken
• Referring URLs

c. Cookies and Tracking:
We use cookies and similar technologies to improve user experience, track website usage, and perform analytics.

3. How We Use Your Information

We use collected data to:

• Respond to inquiries or requests.
• Match users with licensed mortgage professionals.
• Improve site content and usability.
• Send periodic email updates (only if opted in).
• Comply with legal requirements.

4. Legal Basis for Collection

Under PIPEDA, we collect personal information only when necessary and with your consent. You may withdraw your consent at any time by contacting us.

5. Sharing and Disclosure

We do not sell your personal information. We may share your information with:

• Trusted licensed mortgage brokers for service delivery.
• Service providers who assist with hosting, analytics, and support.
• Legal authorities, only when required by law.

6. Data Storage and Security

We use secure servers and implement security measures to safeguard your information. However, no data transmission over the internet is completely secure. You use the website at your own risk.

7. Data Retention

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

8. Your Rights

You have the right to:

• Request access to your personal data.
• Request correction or deletion of your information.
• Withdraw consent or object to data processing.
• Lodge a complaint with the Office of the Privacy Commissioner of Canada.

9. Third-Party Services

Our website may include third-party links or embedded content (e.g., YouTube, Google Analytics). These services may collect data independently and are governed by their own privacy policies.

10. Children’s Privacy

Our website is not intended for individuals under 18. We do not knowingly collect personal data from children.

11. Updates to this Policy

We may revise this Privacy Policy occasionally. Changes will be posted on this page with an updated effective date.