Your Privacy Matters to Us

Avoiding Foreclosure Canada ("we," "us," or "our"), based in Calgary, Alberta, is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

We comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. By using our website or submitting information to us, you consent to the practices described in this policy.

Information We Collect

We may collect the following personal information when you voluntarily provide it through our contact forms, consultation requests, or direct communication:

• Full name
• Email address
• Phone number
• Province of residence
• Information about your financial situation, including mortgage details, payment status, and property information
• Any additional information you choose to provide in message fields

We also automatically collect certain technical information when you visit our website, including your IP address, browser type, operating system, referring URLs, pages visited, and time spent on the site.

How We Use Your Information

We use the personal information we collect for the following purposes:

• To provide foreclosure prevention consultations and assessments
• To evaluate your situation and connect you with appropriate resources
• To communicate with you regarding your inquiry or ongoing consultation
• To send follow-up information relevant to your situation
• To improve our website, services, and user experience
• To analyze website traffic and usage patterns
• To comply with legal obligations

Third-Party Sharing

We do not sell, trade, or rent your personal information to third parties. However, we do share information with the following service providers who assist us in operating our business:

• Monday.com — We use Monday.com as our customer relationship management (CRM) platform to manage leads, track consultations, and organize client communications. Your contact information and inquiry details are stored securely within this platform.
• Google Analytics — We use Google Analytics to collect anonymous website usage data, including pages visited, session duration, and traffic sources. This data helps us understand how visitors use our site and improve our content. Google Analytics uses cookies to collect this information. Google's privacy policy governs their use of this data.

We may also disclose your information if required by law, court order, or governmental regulation, or if disclosure is necessary to protect our rights, your safety, or the safety of others.

Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your browsing experience and collect usage data. Cookies are small text files stored on your device by your web browser.

We use the following types of cookies:

• Essential cookies — Required for the website to function properly, including session management and security features.
• Analytics cookies — Used by Google Analytics to collect anonymous information about how visitors use our site.
• Functional cookies — Remember your preferences and settings to improve your experience on return visits.

You can control cookies through your browser settings. Disabling cookies may limit certain features of our website.

Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including:

• Active consultation records are retained for the duration of our engagement and for a reasonable period afterward in case of follow-up needs.
• Contact form submissions are retained for up to 24 months from the date of submission.
• Website analytics data is retained in accordance with Google Analytics' data retention policies.
• We may retain certain information longer if required by law or for legitimate business purposes such as resolving disputes.

Your Rights

Under PIPEDA and applicable privacy legislation, you have the following rights regarding your personal information:

• Right to Access — You may request a copy of the personal information we hold about you.
• Right to Correction — You may request that we correct any inaccurate or incomplete personal information.
• Right to Deletion — You may request that we delete your personal information, subject to any legal obligations that require us to retain it.
• Right to Withdraw Consent — You may withdraw your consent to the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions.

To exercise any of these rights, please contact us at the email address below. We will respond to your request within 30 days.

Data Security

We implement reasonable technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected information from a child under 18, we will take steps to delete that information promptly.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. Any changes will be posted on this page with an updated "Last updated" date. We encourage you to review this policy periodically.

Contact Us

If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your information is handled, please contact us:

Avoiding Foreclosure Canada
Calgary, Alberta, Canada
Email: avoidingforeclosures28@gmail.com

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