Privacy Policy

We collect information you provide directly when you use our website, including: • **Contact information**: Name, email address, phone number, and location when you submit forms or contact us. • **Financial information**: Loan application details, credit score ranges, and financial goals when you apply through our partner links. • **Usage data**: Pages visited, time spent on pages, referral source, browser type, and IP address collected through analytics tools. • **Cookies and tracking**: We use cookies and similar technologies (Google Analytics, Crazy Egg, Google Ads) to understand how visitors use our site and improve the experience.

Your information is used for the following purposes: • **Matching you with lenders**: When you apply through our partner links, your information is shared with the selected lender to process your application. • **Communication**: Responding to your inquiries, sending newsletters (if you opt in), and providing updates about your application. • **Improvement**: Analyzing website usage to improve our content, tools, and user experience. • **Marketing**: Sending you relevant financial product offers. You can unsubscribe from marketing emails at any time. • **Legal compliance**: Meeting obligations under Canadian privacy laws including PIPEDA.

DebtSimplify is a loan comparison platform — we earn referral fees from lenders when you successfully apply. Here's how your data is shared: • **Lender partners**: When you click an affiliate link and apply for a loan, mortgage, or financial product, your information is shared with that specific lender to process your application. Each lender has their own privacy policy. • **Service providers**: We use third-party services (Google Analytics, email providers, hosting) that may access limited data to provide their services. • **Legal requirements**: We may disclose information when required by law, court order, or to protect our rights and safety. **We do not sell your personal information to third parties.**

We protect your information using industry-standard security measures: • **SSL encryption**: All data transmitted between your browser and our servers is encrypted using SSL/TLS technology. • **Secure storage**: Data is stored on secure servers with access controls and regular security audits. • **Limited access**: Only authorized personnel have access to personal data, and access is granted on a need-to-know basis. • **Partner security**: Our lender partners are required to maintain their own security standards as regulated Canadian financial institutions. While we take reasonable steps to protect your data, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security.

Under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to: • **Access**: Request a copy of the personal information we hold about you. • **Correction**: Request that we correct inaccurate or incomplete information. • **Withdrawal**: Withdraw consent for data collection and processing at any time. • **Deletion**: Request deletion of your personal data, subject to legal retention requirements. • **Complaint**: File a complaint with the Privacy Commissioner of Canada if you believe your privacy rights have been violated. To exercise any of these rights, contact us at support@debtsimplify.ca or (416) 388-8335.

We use the following types of cookies: • **Essential cookies**: Required for the website to function properly (navigation, security). • **Analytics cookies**: Google Analytics (G-WVTFXDXTZ9) to understand how visitors use our site. • **Tracking pixels**: Crazy Egg for heatmaps and user behavior analysis; Google Ads (AW-778289124) for conversion tracking. • **Affiliate tracking**: When you click through to a lender, tracking parameters are included so we receive credit for referrals. You can control cookies through your browser settings. Disabling cookies may affect some website functionality.