Privacy Policy
Home Finance Expert (“HFE”, “we”, “us”) respects your privacy. This policy explains what information we collect, how we use it, and your choices. Our tools are designed for people in Canada and we align our practices with the principles of PIPEDA (Personal Information Protection and Electronic Documents Act).
1) Who we are
HFE.ca provides simple calculators and comparisons of mortgage information, including published rates from Canadian lenders, as well as optional introductions to private-lender partners when requested by you.
2) What this policy covers
This policy covers our website at wheat-hare-894398.hostingersite.com and the calculators hosted on it. If you click out to a lender, broker, or any third-party site, their privacy policy will apply.
3) Information we collect
a) Information you provide
- Email address — if you enter your email to unlock private-lender options or to receive updates.
- Calculator inputs — numbers you type into our tools (e.g., home price, income). These stay in your browser by default.
- Messages — if you contact us, we collect the details you provide so we can respond.
b) Information collected automatically
- Basic device & usage data — e.g., browser type, pages viewed, and general time on page.
- Cookies/local storage — used to remember simple preferences (for example, whether you unlocked private-lender options).
4) How we use information
- Provide and improve the site — operate calculators, measure performance, fix issues.
- Show rate comparisons — display bank rates you request and compute results.
- Private-lender options (optional) — if you share your email, we may show or send you information about private-lender programs.
- Communications — respond to your questions; send service messages (e.g., policy updates).
- Compliance — detect misuse and comply with applicable laws.
5) Legal bases and consent
We rely on your consent (e.g., entering an email) and our legitimate interests (e.g., site security and improvement). You can withdraw consent at any time by unsubscribing or contacting us.
6) Email unlocks & communications
When you enter your email to unlock private-lender options, we store your email so we can provide access and, if you choose, follow up with relevant information. We don’t sell your email. You can opt out of any emails via the unsubscribe link or by contacting us.
7) Cookies, local storage & analytics
- Strictly necessary — basic site operation and security.
- Preferences — remembering simple UI choices (e.g., unlock state).
- Analytics (optional) — we may use privacy-respecting analytics to understand usage in aggregate. IPs may be truncated/hashed where supported.
You can adjust browser settings to limit cookies. Blocking some cookies may affect site functionality.
8) Rate data
Bank rates shown on HFE are sourced from publicly available information and/or partner submissions and are for illustrative purposes. Actual rates, fees, and eligibility are set by each lender and can change without notice.
9) Sharing information
- Service providers — trusted vendors that help us operate the site (e.g., hosting). They are contractually bound to use data only for our instructions.
- Private-lender introductions (only with your direction) — if you ask us to connect you, we may share the minimum necessary info to facilitate that connection.
- Legal — we may disclose information if required by law, regulation, or valid legal process.
10) Storage location & transfers
HFE primarily stores information in Canada. Some service providers may process data in other countries. Where data leaves Canada, we take steps to ensure comparable protections are in place.
11) Retention
We keep personal information only as long as needed for the purposes in this policy or as required by law. For example, emails supplied for unlocks are retained until you unsubscribe or ask us to delete them.
12) Security
We use reasonable technical and organizational safeguards (encryption in transit, access controls, monitoring) to protect your information. No method of transmission or storage is 100% secure; we work continuously to improve our protections.
13) Your choices & rights (Canada)
- Access & correction — request a copy of your personal information or ask us to correct inaccuracies.
- Withdraw consent — unsubscribe from emails or contact us to withdraw other consent you’ve given.
- Deletion — ask us to delete your personal information, subject to legal obligations.
To exercise any of these, email privacy@wheat-hare-894398.hostingersite.com. We’ll respond within a reasonable time.
14) Children
Our site is not directed to children under the age of 13. If you believe a child has provided us personal information, contact us and we’ll delete it.
15) Changes to this policy
We may update this policy to reflect changes to our practices or for legal reasons. We’ll post the new version here and update the “Effective date” above.
Contact us
Privacy questions or requests: /contact