Privacy Policy

Introduction

CalcSolutions ("we", "us", "our") is committed to protecting your privacy and personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.

Accountability

We have designated a Privacy Officer who is responsible for ensuring our compliance with PIPEDA and overseeing our privacy practices. You can contact our Privacy Officer using the information provided at the end of this policy.

Personal Information We Collect

We collect personal information with your knowledge and consent, including:

• Contact information (name, address, email, phone number)
• Financial information (income, employment details, financial obligations)
• Identity verification information (as required by Canadian law)
• Credit information (with your explicit consent)
• Technical information about your device and usage of our services

Purposes for Collection

We collect personal information for the following purposes:

• To provide loan comparison and financial services
• To verify your identity as required by Canadian law
• To assess your eligibility for financial products
• To connect you with financial institutions
• To comply with legal and regulatory requirements
• To prevent fraud and manage risk
• To improve our services and communicate with you

Consent

We obtain explicit consent before collecting, using, or disclosing your personal information, except where permitted by law. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice.

Information Sharing and Disclosure

We may share your information with:

• Financial institutions and lenders in our network (with your consent)
• Service providers who assist in our operations (under strict confidentiality agreements)
• Regulatory authorities and law enforcement as required by Canadian law

We do not sell your personal information. When sharing with third parties, we ensure appropriate safeguards are in place to protect your information.

Data Storage and Security

Your personal information is stored in Canada or in jurisdictions with comparable levels of protection. We implement appropriate security measures as required by Canadian law, including:

• Encryption of data in transit and at rest
• Access controls and authentication measures
• Regular security assessments and updates
• Employee training on privacy and security

Your Privacy Rights

Under Canadian privacy laws, you have the right to:

• Access your personal information
• Request corrections to your information
• Withdraw consent for certain uses of your information
• File a complaint about our privacy practices
• Understand how your information is processed

Retention

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by Canadian law. When no longer required, information is securely destroyed or anonymized.

Contact Information

For privacy-related inquiries or to exercise your privacy rights, contact our Privacy Officer:

Privacy Officer
Email: privacy@calcsolutions.ca
Phone: 1-800-XXX-XXXX
Address: XXX Street, City, Province, Postal Code

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.