At Vortex Finance, protecting your personal information is important. This policy explains how we collect, use, retain, disclose, and protect your information when you use our site vortexfinance.ca or our services.

By using this site or submitting an application, you agree to the practices described in this policy.

1. Information collected

We may collect personal information when you complete a form, communicate with us, or submit a financing application.

This information may include, among others:

- full name;

- email address;

- phone number;

- residential address;

- information about your property;

- financial information;

- income, debts, and financial obligations;

- documents voluntarily provided;

- information related to your loan or mortgage application;

- IP address, device type, browser, and browsing data.

2. Use of information

Your information may be used to:

- analyze your application;

- communicate with you;

- verify your identity;

- assess your eligibility for a financing solution;

- prepare or forward your file to financial partners;

- respond to your questions;

- improve the site and our services;

- comply with our legal, regulatory, or contractual obligations;

- prevent fraud or misuse.

3. Consent

By submitting your information to Vortex Finance, you consent to its collection, use, and disclosure in accordance with this policy.

You may withdraw your consent, subject to applicable legal or contractual obligations. However, withdrawing consent may limit our ability to process your application or provide certain services.

4. Disclosure to third parties

We may disclose certain personal information to third parties when necessary to process your application or provide our services.

These third parties may include:

- private lenders;

- financial institutions;

- mortgage brokers;

- property appraisers;

- notaries or lawyers;

- technology service providers;

- web hosting providers;

- administrative partners;

- government or regulatory authorities, when required by law.

We do not sell your personal information to third parties.

5. Credit checks

Depending on the type of application and with your consent when required, Vortex Finance or its partners may conduct certain checks, including credit checks, identity checks, property, income, or debt verifications.

The site may state that an initial application has no impact on your credit, but certain later steps in the process may require additional checks depending on the file and the requirements of financial partners.

6. Retention of information

We retain your personal information only for as long as necessary for the purposes for which it was collected, unless a longer period is required or permitted by law.

When information is no longer needed, we take reasonable steps to delete, anonymize, or securely destroy it.

7. Information security

We implement reasonable measures to protect your personal information against loss, theft, unauthorized access, disclosure, alteration, or misuse.

However, no method of electronic transmission or storage is completely secure. Therefore, we cannot guarantee absolute security.

8. Cookies and similar technologies

Our site may use cookies to ensure its proper functioning, analyze traffic, and improve your user experience.

Some cookies are essential for the site to function. Others may be used for analytics, performance, or marketing purposes, with your consent when required.

You can manage your cookie preferences through your browser or the consent tools available on the site.

9. Navigation data

When you visit our site, certain technical data may be collected automatically, including:

IP address;

- browser type;

- device used;

- pages viewed;

- length of visit;

- traffic source;

- interactions with the site.

This data may be used to improve site performance, understand service usage, and ensure platform security.

10. Cross-jurisdictional transfers

Your information may be processed or hosted in a province, state, territory, or country different from your place of residence.

When information is transferred outside your jurisdiction, it may be subject to the laws applicable in that other jurisdiction.

We take reasonable steps to ensure that your information is protected in accordance with applicable laws.

11. User rights

Depending on your place of residence, you may have certain rights regarding your personal information, including:

- access your information;

- request correction;

- withdraw your consent;

- request deletion of certain information;

- restrict or object to certain uses;

- request information about disclosures of your information;

- file a complaint with a competent authority.

To exercise your rights, you can contact us using the contact details provided below.

12. Residents of Quebec, Canada, the United States and Mexico

Privacy laws may vary by province, state, territory, or country.

This policy is designed for general use in North America, but it should be interpreted in accordance with the laws applicable in each relevant jurisdiction.

Where additional rights are provided by mandatory local law, those rights will apply to the extent required by that law.

13. Electronic communications

By providing your contact details, you agree that we may communicate with you by phone, email, text message, or other reasonable means regarding your application or our services.

You may ask not to receive certain promotional communications. However, we may continue to send you communications necessary to process your file or comply with our legal obligations.

14. Links to external sites

Our site may contain links to third-party sites. Vortex Finance is not responsible for the privacy practices, content, or security of these external sites.

We recommend that you review the privacy policies of any third-party site you visit.

15. Minors

Our services are not intended for minors. We do not knowingly collect personal information from minors.

If we learn that personal information has been collected from a minor without appropriate consent, we will take reasonable steps to delete it.

16. Changes to the policy

Vortex Finance reserves the right to change this privacy policy at any time.

The version posted on the site constitutes the current version. We recommend that you review this page regularly.

17. Privacy officer

For any questions, access requests, corrections, consent withdrawals, or complaints regarding your personal information, you may contact:

Vortex Finance