Privacy Policy

1. Who we are

MortgageRenewPath.ca is an independent educational and analysis website. We are not a mortgage brokerage, lender, or investment advisor. For privacy inquiries, contact us using the channel published on this site (or the contact method you have been given by the operator of the domain).

2. Data collection

Most values you enter—such as annual income, mortgage balance, interest rates, remaining amortization, and non-mortgage monthly debt inputs—are processed in your browser to generate on-the-fly estimates. We do not require you to create an account to use the calculator.

Depending on how the site is hosted and configured, our service providers may process technical information automatically (for example, IP address, browser type, and approximate location derived from network data) when you load pages. That information is used for security, reliability, and aggregated analytics in line with this policy.

We do not sell your personal information to third parties. We do not broker lists of individuals or their financial inputs for marketing data markets.

3. Cookies and analytics

We may use cookies, local storage, or similar technologies that are strictly necessary for the site to function, as well as optional technologies for analytics (for example, to understand aggregate traffic and conversions). Where non-essential cookies or similar tools are used, we rely on appropriate notice and, where required by law, your consent before they are deployed.

You can control cookies through your browser settings. Blocking some cookies may limit certain features or measurement.

4. Third-party links and affiliates

The site may include links to third-party websites, including affiliate or partner destinations (for example, lenders or service providers). Those sites have their own privacy practices. We are not responsible for their policies or practices. Review their terms and privacy notices before providing personal information to them.

When you click an outbound link, the destination may place its own cookies, receive referrer information, and process data you choose to submit on their forms.

5. Use and disclosure of personal information

We use personal information only for purposes that a reasonable person would consider appropriate in the circumstances, including:

• Operating and improving the calculator and related content;
• Measuring site performance and marketing effectiveness in aggregate;
• Complying with legal obligations;
• Protecting the security and integrity of our services.

We may share information with service providers (such as hosting, analytics, or content delivery) who process it on our instructions and are subject to appropriate contractual safeguards. We may disclose information if required by law or to protect rights, safety, and security.

6. Retention and location

We retain information only as long as necessary for the purposes above or as required by law. Some service providers may process or store data in Canada, the United States, or other jurisdictions. Where personal information is transferred outside Canada, it may be subject to the laws of that jurisdiction, including lawful access requests.

7. Accuracy and safeguards

We apply reasonable administrative, technical, and organizational measures designed to protect personal information against loss, unauthorized access, disclosure, or misuse. You can help by using an up-to-date browser and avoiding sharing sensitive credentials through unsecured channels.

8. Your rights (access, correction, deletion)

Subject to applicable law, you may have the right to access the personal information we hold about you, to request correction of inaccurate information, and in appropriate cases to request deletion or to withdraw consent (where processing is consent-based).

To exercise these rights, contact us with enough detail for us to verify and respond within a reasonable time. If you are unsatisfied with our response, you may complain to the Office of the Privacy Commissioner of Canada (OPC) or, where applicable, your provincial privacy commissioner.

9. Children

This site is intended for adults. We do not knowingly collect personal information from children under 13 without verifiable parental consent.

10. Changes

We may update this policy from time to time. The “Last updated” date will change when we do. Continued use of the site after changes constitutes your acceptance of the revised policy, except where additional consent is required by law.