Contents
This Privacy Policy explains how CadRates collects, uses, and protects personal information you provide when using cadrates.com. We are committed to handling your information responsibly and in compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
1. Who We Are
CadRates is a Canadian rate comparison and referral service that connects consumers with licensed mortgage brokers and insurance advisors. We are based in Ontario, Canada.
2. Information We Collect
When you submit a request through our website, we collect the following:
- Contact details: first name, last name, phone number, and email address (optional);
- Product details: your current insurance provider (optional) and your renewal date or desired start date;
- Technical data: your IP address and general browser/device information collected automatically via server logs and Google Analytics.
We do not collect sensitive financial information such as SIN, credit card numbers, or banking details through this Site.
3. How We Use Your Information
We use your information to:
- Connect you with a licensed advisor who can assist with your mortgage or insurance needs;
- Follow up with you if your initial request was not completed;
- Improve the functionality and content of our Site using aggregated, anonymized analytics data.
We will not use your information to send unsolicited marketing unrelated to the product you requested, and we will not sell your information to data brokers or marketing lists.
4. Who We Share It With
Your information may be shared with:
- Licensed advisors: mortgage brokers or insurance advisors in your province who will contact you directly to discuss your request;
- Service providers: third-party tools we use to operate our platform (e.g., data storage, analytics), who are contractually bound to protect your information;
- Legal or regulatory authorities: where required by law or to protect the rights and safety of our users.
We do not sell, rent, or trade your personal information.
5. Cookies and Analytics
We use Google Analytics to understand how visitors use this Site. Google Analytics collects anonymized data such as pages visited, time on site, and general location. This data does not identify you personally. You can opt out of Google Analytics tracking by using the Google Analytics Opt-out Browser Add-on.
We may also use essential cookies to support basic Site functions. No advertising or cross-site tracking cookies are used.
6. Data Retention
We retain your personal information for as long as necessary to fulfill the purpose for which it was collected — typically up to 24 months — after which it is securely deleted. You may request earlier deletion at any time (see Section 7).
7. Your Rights
Under PIPEDA and applicable provincial law, you have the right to:
- Access the personal information we hold about you;
- Request correction of inaccurate information;
- Withdraw your consent to be contacted at any time;
- Request deletion of your information from our records.
To exercise any of these rights, please contact us at the address below. We will respond within 30 days.
8. Security
We take reasonable technical and organizational measures to protect your personal information from unauthorized access, disclosure, or misuse. All data is transmitted over encrypted HTTPS connections. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.
9. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:
CadRates
Ontario, Canada
Email: privacy@cadrates.com