PIPEDA Compliance
RefinancePro.club is committed to protecting your personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).
What is PIPEDA?
The Personal Information Protection and Electronic Documents Act (PIPEDA) is Canada's federal privacy law that governs how private sector organizations collect, use, and disclose personal information in the course of commercial activities.
PIPEDA is built on ten fair information principles that require organizations to:
- Be accountable for personal information under their control
- Identify the purposes for collecting personal information
- Obtain meaningful consent for collection, use, and disclosure
- Limit collection to what is necessary for identified purposes
- Use and disclose personal information only for identified purposes
- Keep personal information accurate, complete, and up-to-date
- Protect personal information with appropriate safeguards
- Be open about policies and practices
- Provide individuals access to their personal information
- Handle complaints and inquiries appropriately
How RefinancePro.club Complies with PIPEDA
🛡️ Accountability
We have designated a Privacy Officer responsible for ensuring PIPEDA compliance and handling privacy-related inquiries and complaints.
🎯 Purpose Identification
We clearly identify why we collect personal information before or at the time of collection, limiting collection to mortgage penalty calculations and service delivery.
✅ Meaningful Consent
We obtain clear, informed consent for all personal information collection, use, and disclosure through transparent privacy notices and opt-in mechanisms.
📊 Limited Collection
We collect only the minimum personal information necessary to provide accurate mortgage penalty calculations and deliver our services.
🔒 Safeguards
We implement appropriate physical, organizational, and technological safeguards to protect personal information against unauthorized access, disclosure, or misuse.
👁️ Openness
Our privacy policies and practices are readily available and written in clear, understandable language accessible to all users.
Personal Information We Collect
Account Information
- • Email address
- • Name (optional)
- • Account preferences
- • Subscription status
Mortgage Information
- • Mortgage balance and terms
- • Interest rates
- • Lender information
- • Payment details
Purpose: All personal information is collected solely for the purpose of providing accurate mortgage penalty calculations, delivering our services, and improving user experience.
Your Rights Under PIPEDA
Right to Access
You have the right to request access to your personal information that we hold, including information about how it's being used and to whom it has been disclosed.
Right to Correction
You can request corrections to your personal information if you believe it is inaccurate or incomplete. We will investigate and make necessary corrections.
Right to Withdraw Consent
You may withdraw your consent for the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions.
Right to File a Complaint
If you believe we have not complied with PIPEDA, you can file a complaint with the Privacy Commissioner of Canada or contact our Privacy Officer directly.
Data Security Measures
Encryption
All data is encrypted in transit and at rest using industry-standard protocols
Access Controls
Strict access controls ensure only authorized personnel can access personal information
Monitoring
Continuous monitoring and audit trails track all access to personal information
Data Retention Policy
We retain personal information only as long as necessary to fulfill the identified purposes or as required by law. Our retention periods are:
Account Information
Retained while account is active plus 7 years after closure
Calculation Data
Retained for service delivery and deleted upon account closure
Marketing Communications
Retained until consent is withdrawn
Support Records
Retained for 3 years after last interaction
Privacy Officer Contact
For any questions, concerns, or requests regarding your personal information or our PIPEDA compliance, please contact our Privacy Officer:
Privacy Officer
RefinancePro.club
Email: [email protected]
Response Time: Within 30 days of receipt
Privacy Commissioner of Canada:
If you are not satisfied with our response to your privacy concern, you may file a complaint with the Privacy Commissioner of Canada at www.priv.gc.ca or call 1-800-282-1376.
Updates to This Compliance Statement
We may update this PIPEDA Compliance statement from time to time to reflect changes in our practices or applicable laws. We will notify users of any material changes through our website or by email. The current version is always available at this page.
Last Updated: December 22, 2025
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