Privacy Policy

1. Introduction

The Mortgage Beast (“we,” “us,” or “our”) operates the website themortgagebeast.ca. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website. We are committed to protecting your privacy in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

2. Information We Collect

Information you provide: When you use our mortgage calculators and tools, you may enter financial information such as income, home price, down payment amounts, and other mortgage-related figures. This information is processed entirely within your browser and is not transmitted to or stored on our servers.

Automatically collected information: When you visit our website, we may automatically collect certain technical information including your IP address, browser type, operating system, referring URLs, and pages visited. This information is collected to help us improve the website and understand how visitors use our services.

Cookies: We may use essential cookies to ensure the proper functioning of our website. We do not currently use advertising cookies or third-party tracking cookies.

3. How We Use Your Information

We use the information we collect to operate, maintain, and improve our website and services; respond to your inquiries and provide customer support; monitor and analyse usage trends to improve user experience; and comply with applicable laws and regulations. We do not sell, trade, or rent your personal information to third parties.

4. Data Storage and Security

All mortgage calculations are performed client-side in your browser. We do not store your financial inputs on our servers. Any data you choose to save locally (such as saved calculations) is stored in your browser’s local storage and remains on your device. We implement reasonable technical and organizational measures to protect any information we do collect, but no method of electronic transmission or storage is completely secure.

5. Third-Party Services

Our website may contain links to third-party websites or services that are not operated by us. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. We encourage you to review the privacy policy of every site you visit.

6. Your Rights

Under PIPEDA and applicable provincial legislation, you have the right to access, correct, and request deletion of your personal information. You may also withdraw consent to the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions. To exercise any of these rights, please contact us using the information below.

7. Children’s Privacy

Our website is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us and we will promptly delete it.

8. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.

9. Contact Us

If you have any questions about this Privacy Policy, please contact us at contact@themortgagebeast.ca.