Privacy Policy

1. Information We Collect

We collect information you provide directly to us, including:

• Personal information: name, email address, and phone number submitted through our contact forms, newsletter signup, or appointment booking.
• Usage data: anonymized analytics collected through Google Analytics (GA4), such as pages visited, time on site, and referral source. This data does not personally identify you.

2. How We Use Your Information

• Respond to your inquiries and contact requests
• Provide mortgage brokerage services
• Send newsletters and mortgage insights (only with your consent)
• Improve our website and the experience we deliver

3. Cookies and Tracking

We use Google Analytics (GA4) to understand how visitors interact with our website. GA4 collects anonymized usage data and does not use advertising cookies.

Our booking tool, Cal.com, may set functional cookies necessary for the scheduling experience. We do not use advertising or remarketing cookies.

4. Third-Party Services

We use the following third-party services to operate our website and business:

• Brevo: email marketing and newsletter delivery
• Cal.com: appointment booking and scheduling
• Google Analytics (GA4): website usage analytics
• n8n: secure form processing and workflow automation

Each service operates under its own privacy policy. We only share the minimum information necessary for each service to function.

5. CASL Compliance

We comply with Canada's Anti-Spam Legislation (CASL). We will only send you commercial electronic messages (such as newsletters or marketing emails) if you have given us express consent.

• We collect consent through a clear, unchecked opt-in checkbox on our contact and subscription forms.
• Every marketing email includes an unsubscribe link that takes effect within 10 business days.
• We record the date, time, and method of consent for our records.
• You can withdraw consent at any time by clicking the unsubscribe link in any email or by contacting us directly.

6. Data Retention

• Inquiry and client data: retained for the duration of the business relationship plus seven years, as required by regulatory obligations.
• Newsletter subscribers: retained until you unsubscribe. You can unsubscribe at any time using the link in every email.

7. Your Rights

Under PIPEDA, you have the right to:

• Access the personal information we hold about you
• Request corrections to inaccurate information
• Request deletion of your personal data
• Unsubscribe from marketing emails at any time

To exercise any of these rights, contact us at hello@humanmortgage.ca.

8. Data Security

We implement industry-standard security measures to protect your personal information. All connections to our website are encrypted via SSL/TLS, and access to personal data is limited to authorized personnel who require it to provide our services.

9. Changes to This Policy

We may update this privacy policy from time to time. Any changes will be reflected on this page with an updated “Last updated” date. We encourage you to review this policy periodically.

10. Contact Us

If you have questions about this privacy policy or how we handle your personal information, please contact us: