Privacy Policy
Last Updated: July 10 2023
Thank you for visiting retirebetter.ca ("Website"), owned and operated by RetireBetter.ca ("Company," "we," "us," or "our"). We understand the importance of privacy and are committed to protecting the personal information you provide to us. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information when you visit our Website or engage with our services related to the reverse mortgage industry. By using our Website or providing us with your personal information, you consent to the terms of this Privacy Policy.
1. Collection of Personal Information
1.1 Personal Information We Collect
We may collect various types of personal information, including but not limited to:
- Name, contact information, and demographic data (such as address, phone number, and email address).
- Financial information, such as income, assets, and debts.
- Information related to your reverse mortgage application or transaction.
- Information you provide when you communicate with us, including via email, phone, or other means.
- Other information necessary for us to provide our services to you or as required by applicable laws and regulations.
1.2 Collection Methods
We may collect personal information through various methods, including:
- Information you provide directly to us when you visit our Website, complete forms, or engage with our services.
- Information collected automatically when you access our Website, such as your IP address, browser type, operating system, and browsing behavior through the use of cookies or similar technologies. Please refer to our Cookie Policy for more information.
2. Use of Personal Information
2.1 Purpose of Use
We may use your personal information for the following purposes:
- Providing and improving our services related to the reverse mortgage industry.
- Responding to your inquiries and communicating with you.
- Processing and evaluating your reverse mortgage application.
- Verifying your identity and preventing fraudulent activities.
- Complying with legal obligations and regulations.
- Sending you marketing communications and promotional offers with your consent, which you can opt-out of at any time.
- Enhancing our Website's functionality and user experience.
2.2 Lawful Basis for Processing
We will only process your personal information when there is a lawful basis for doing so. This may include your consent, the necessity for fulfilling a contract, compliance with legal obligations, or pursuing our legitimate interests.
3. Disclosure of Personal Information
3.1 Third-Party Service Providers
We may share your personal information with trusted third-party service providers who assist us in operating our business, providing our services, and conducting our operations. These third parties may include financial institutions, lenders, credit agencies, and other service providers who help us with data processing, document management, customer support, and fraud prevention.
3.2 Legal Compliance and Protection
We may disclose your personal information as required by applicable laws, regulations, or legal processes. We may also disclose your information to protect our rights, property, or safety, or the rights, property, or safety of others.
3.3 Business Transfers
In the event of a merger, acquisition, or other corporate transaction involving our Company, personal information may be transferred to the acquiring entity or successor.
4. Data Security
We employ reasonable security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.
5. Retention of Personal Information
We will retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by applicable laws and regulations.
6. Your Rights and Choices
6.1 Access and Correction
You have the right to access and correct your personal information held by us. You can request such access or correction by contacting us using the information provided in Section 9 (Contact Us) of this Privacy Policy.
6.2 Opt-Out
You can opt-out of receiving marketing communications from us by following the instructions included in each communication or by contacting us directly. Please note that even if you opt-out of marketing communications, we may still send you transactional or administrative messages related to our services.
6.3 Do Not Track Signals
Our Website does not currently respond to "Do Not Track" signals. However, you can adjust your browser settings to refuse cookies or alert you when cookies are being sent. Please refer to our Cookie Policy for more information.
7. Third-Party Links
Our Website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third-party websites. We encourage you to review the privacy policies of those websites before providing any personal information.
8. 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 are a parent or guardian and believe your child has provided us with personal information, please contact us, and we will promptly delete the information.
9. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us using the following information:
RetireBetter.ca
Address: [Company Address]
Email: [Company Email]
Phone: [Company Phone Number]
We will endeavor to respond to your inquiries and address your concerns in a timely and appropriate manner.
10. Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our privacy practices or applicable laws. The "Last Updated" date at the beginning of this Privacy Policy indicates the date of the latest revisions. We encourage you to periodically review this Privacy Policy for any changes.
By continuing to use our Website or providing us with your personal information after any modifications to this Privacy Policy, you acknowledge and agree to be bound by the revised Privacy Policy.
Please note that this Privacy Policy applies solely to retirebetter.ca and does not govern the practices of other websites or services that may be mentioned or linked to on our Website.
Thank you for entrusting RetireBetter.ca with your personal information.