Privacy Policy
Last Updated: 2024. This policy outlines how Brass Home collects, uses, and protects your personal data in compliance with Quebec and Canadian federal laws.
1. Data Controller & Operator
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Brass Home, operating in Montreal, Quebec, acts as the primary Data Controller. We are committed to maintaining the highest standards of data privacy in accordance with the Act respecting the protection of personal information in the private sector (Quebec Law 25) and the federal Personal Information Protection and Electronic Documents Act (PIPEDA).
For any inquiries regarding your data, you may contact our Privacy Officer at:
Address: 1250 René-Lévesque Blvd W, Montreal
Email:
Phone: +1 (808) 924-6461
2. Information We Collect
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We collect information that identifies, relates to, or could reasonably be linked with you ("Personal Information"). This includes:
- Contact Identifiers: Name, email address, telephone number, and postal code provided through our mortgage rate inquiry forms.
- Financial Profile Data: Information regarding your mortgage preferences (Fixed vs. Variable), estimated property value, and down payment amounts used for calculation purposes.
- Technical Metadata: IP addresses, browser type, device identifiers, and operating system details.
- Usage Data: Pages visited (e.g., Montreal Market Data 2024), time spent on site, and interaction with our Fixed Rate Operation Manual.
3. Legal Basis for Processing
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Under Quebec Law 25 and PIPEDA, we must have a valid legal basis to process your personal data. Brass Home relies on the following:
- Consent: When you voluntarily submit your details to compare mortgage rates or download our technical documentation.
- Contractual Necessity: To provide you with the specific mortgage calculations or renewal cycle alerts you requested.
- Legitimate Interest: To improve our "Federal Stress Test Algorithm" and website security, provided these interests do not override your fundamental rights.
- Legal Obligation: To comply with Canadian financial reporting and anti-fraud regulations.
4. Retention & Storage
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We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. Data related to mortgage inquiries is typically stored for a period of 7 years in accordance with Canadian financial record-keeping standards. Technical logs are purged every 180 days.
5. Disclosure of Information
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Brass Home does not sell your personal data. We may share information with:
- Service Providers: Cloud hosting (AWS/Google Cloud), analytics providers, and CRM systems that assist in our operations.
- Financial Institutions: Only upon your explicit request to proceed with a mortgage application.
- Legal Authorities: If required by law, such as a court order or to prevent fraud.
6. Your Rights & Choices
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As a resident of Quebec, you have specific rights regarding your personal information:
- Access: Request a copy of the data we hold about you.
- Rectification: Correct inaccurate or incomplete information.
- Erasure: Request the deletion of your data (Right to be forgotten).
- Withdrawal: Revoke your consent for data processing at any time.
- Portability: Receive your data in a structured, commonly used format.
- De-indexing: Request that links to your information be removed from search results.
7. Cookie Protocol
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We use cookies to optimize your experience on our platform. Essential cookies are required for the "Mortgage Rate Engine" to function. Analytical cookies help us understand how users interact with our "Technical Glossary and Documentation". You can manage your preferences at any time via our Cookie Protocol.
Questions regarding your privacy?
Our compliance team is available to assist you with any data access requests or privacy concerns.