Privacy Policy

RateSheet.ca Inc. (hereinafter, referred to as ‘Website’ or ‘Company’, or ‘We’ or ‘Our’) respects the online privacy of the users of this Website. To put our commitment in black and white, We have devised this comprehensive Privacy Policy (hereinafter, referred to as ‘Policy’), which is consistent with the provisions of Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) 2000. The provisions contained hereunder inform the users about the manner in which We collect, use, protect, and, sometimes, disclose their personal and non-personal information. By using any of the features of this Website, the users acknowledge that they have understood and agree to such collection, use, protection, and, disclosure of their personal and non-personal information.

Changes & Updates

We reserve the right to change this Policy anytime without informing anyone. However, any substantial changes or modifications to this Policy will be notified to the registered users. All the changes and updates will be effective from the time they are posted on this page. We recommend that the users should periodically check this page for latest updates and modifications to Privacy Policy. The continued usage of this Website after the changes signifies the implied acceptance of the users to such amended Privacy Policy.

Privacy Policy last updated on December 8, 2010.

Information Collection and Usage

We collect only that much information from the users as is required in order to provide efficient, timely, reliable, and satisfactory services.

When the users apply for the mortgage online through this Website, We collect certain personal details from the users, including without limitation, user’s full name, postal address, email address, telephone number, mobile number, etc. This personal information is used to contact the users regarding their application, informing them about any bid placed on their application by any broker, or any other matter that we consider relevant to their use of this Website, including without limitation, resolving disputes, providing customer support, troubleshooting the problems, and enforcing our Terms & Conditions Agreement and other policies regarding the use of this Website.

We also reserve the right to seek a credit report from any external agency about the users and/or brokers participating in this Website. Such information is used to verify the information provided by the users, carry out credit checks, seek bids from brokers, complete any loan arising from acceptance of a broker’s bid, seek feedback on the user-experience of this Website, for statistical purposes and in connection with the operation or development of this Website. This information is also shared with the brokers and credit reporters in order to enable them to bid informatively.

We also collect the email address of the users when they sign up to receive Our newsletter. However, the users are free to unsubscribe from the newsletter at any time by email: unsubscribe@RateSheet.ca with the term ‘unsubscribe’ as the email subject.

We may publish the users’ feedback comments as testimonials on Our Website. For this, We shall seek prior permission from such users before publishing.

We also collect certain non-personally identifiable information from the users visiting or using any feature of this Website. This non-personally identifiable information includes, without limitation, user’s Internet Protocol (IP) Address, browser-type, operating system installed on the computer, or Internet Service Provider’s (ISP’s) IP Address. This non-personal information is mostly used to enhance users’ Internet experience, particularly the browsing experience of this Website. We may also use this information to generate generic statistics and aggregate reports for internal use and for sharing with Our affiliates and advertisers. However, none of this statistical and non-personal information will contain any contact details that could personally identify the users.

We do not sell, rent or otherwise trade in any kind of personal or non-personal information of the users so collected by our systems, except for marketing purposes and that too, after express consent of the users.

Cookies

We use innocuous cookies to enhance the browsing experience of the users. This Website uses cookies to save the login and password in order to avoid re-entering this information each time the users visit different pages on this Website. We also use cookies for measuring traffic statistics on this Website and to track when the users clicked to a broker’s website. We use reputable independent third-party tracking company for Our clicks and call tracking. By signing out of the account, all the cookies deposited by this Website on the user’s computer system will be cleared. The users can refuse to accept cookies by adjusting their browser preferences. However, We strongly advise against doing so as it will diminish the browsing experience of this Website.

Security

All the personal information, including that collected for payment purposes, is stored and preserved on the third-party servers, which are subject to the strictest safety codes as prevalent in the industry. We employ reasonable human and technological security measures at multiple levels in order to preserve the personal as well as financial information of the users. However, We disclaim any liability arising on account of any compromise of personal information at Our end despite Our best technological and human safeguards due to infallibility of technology.

Disclaimers as to Disclosure

We can’t be held responsible for the disclosure of users’ personal or non-personal information under any, some, or all of the following circumstances:

1. Disclosure to government agencies in response to legal processes; or
2. Any unlawful access to, and transmissions of, personal information from the Website; or
3. Disclosure of personal information by the user himself on public and private forums, like blogs, social networking websites, message boards, etc.
4. Disclosure to Our agents, suppliers and service providers, under Confidentiality Agreement, as part of making available Our website and related products and services. All such persons and entities are provided only with the information needed to perform their specific function and may not use such information for other purposes.
5. Disclosure to the operators or administrators of promotions and contests on this Website of personal information collected and stored for the purpose of the contest.

External Links

This Website may contain links to third-party websites. We are not responsible for, neither do we control nor monitor, the privacy practices of such websites. If the users visit these websites through RateSheet.ca, such visit or usage of these third party websites is subject to the Terms and Conditions and Privacy Policies of the linked websites.

We have tried to address all the privacy concerns of the users of this Website through this Policy. However, in case the users still need any clarification on any of the provisions of this Policy or need additional information, they are encouraged to contact us. We’ll try Our best to address all their concerns.