1. Introduction

RefinancePro.club ("us", "we", or "our") operates the refinancepro.club website (the "Service"). This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.

We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. This Privacy Policy complies with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

2. Information We Collect

Personal Information

While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Information"). Personally identifiable information may include, but is not limited to:

• Email address
• First name and last name
• Phone number
• Mortgage information (loan amount, interest rate, term)
• Postal address

Usage Data

We may also collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

3. How We Use Your Information

RefinancePro.club uses the collected data for various purposes:

• To provide and maintain the Service
• To notify you about changes to our Service
• To allow you to participate in interactive features of our Service when you choose to do so
• To provide customer care and support
• To provide analysis or valuable information so that we can improve the Service
• To monitor the usage of the Service
• To detect, prevent and address technical issues
• To calculate mortgage penalties and provide personalized financial advice

4. Data Sharing and Third-Party Partners

We may share your personal information with trusted third parties in the following circumstances. Your explicit consent will always be requested when required by law:

Financial Service Partners

With your explicit consent, we may share your information with:

• Mortgage lenders and financial institutions to obtain personalized offers
• Licensed mortgage brokers for advisory services
• Insurance companies for mortgage insurance products
• Certified financial advisors for planning services

Technical Service Providers

• Cloud hosting services (AWS, Google Cloud)
• Analytics and monitoring services (Google Analytics, Mixpanel)
• Communication services (SendGrid, Twilio)
• Secure payment services (Stripe, PayPal)

Other Sharing Circumstances

• With your explicit consent for specific services
• To comply with legal and regulatory obligations
• To protect and defend the rights or property of RefinancePro.club
• In the event of a merger, acquisition, or asset sale (with prior notification)
• To prevent fraud and ensure the security of our users

5. Data Security

The security of your data is important to us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security. We use SSL encryption, two-factor authentication, and other industry-standard security measures.

6. Consent Management

We respect your right to control your personal data. Your consent is the legal basis for processing your personal information in the following cases:

7. Your Rights (GDPR and Canadian Laws)

Under GDPR (for European users) and Canadian privacy laws, you have the following rights regarding your personal information:

8. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track the activity on our Service and hold certain information. Cookies are files with small amount of data which may include an anonymous unique identifier. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.

9. International Users and Data Transfers

If you are accessing our Service from outside Canada, please be aware that your information may be transferred to, stored, and processed in Canada and other jurisdictions where our service providers operate.

10. Changes to This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We will let you know via email and/or a prominent notice on our Service, prior to the change becoming effective and update the "effective date" at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes.

11. Contact Us

If you have any questions about this Privacy Policy, please contact us: