Privacy Policy
1. Introduction
Blue Pearl Mortgage Group Inc. ("we," "us," or "our") operates the website debttools.ca and its associated pages including Family Finance Canada, Equity Unlocked, and BC Money Moves. This Privacy Policy describes how we collect, use, disclose, and protect your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws.
2. Information We Collect
2.1 Personal Information You Provide
- Contact information: name, email address, phone number, province of residence
- Financial information: debt amounts, interest rates, monthly payments, credit score range, household income, property value, mortgage balance (provided voluntarily through our calculator tool)
2.2 Information Collected Automatically
- IP address, browser type, device type
- Pages visited, time spent, referral source
- Cookies and similar tracking technologies
3. How We Use Your Information
- To provide personalized debt analysis results
- To send you your requested reports and follow-up communications (with your CASL consent)
- To connect you with licensed mortgage professionals who may assist with debt consolidation
- To improve our tools and services
- To comply with legal and regulatory obligations
4. Consent (CASL Compliance)
In compliance with Canada's Anti-Spam Legislation (CASL), we obtain your express consent before sending commercial electronic messages. You may withdraw your consent at any time by:
- Clicking the "unsubscribe" link in any email
- Contacting us at the address below
5. Disclosure of Information
We may share your personal information with:
- Licensed mortgage professionals operating under Blue Pearl Mortgage Group Inc.'s brokerage licence, for the purpose of providing debt consolidation services
- Service providers: Brevo (email), Supabase (data hosting), Vercel (website hosting)
- Legal requirements: when required by law, regulation, or court order
We do not sell your personal information to third parties.
6. Data Security
We implement appropriate technical and organizational measures to protect your personal information, including encryption in transit (TLS/SSL), secure data storage, and access controls.
7. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law. You may request deletion of your data at any time.
8. Your Rights
Under PIPEDA, you have the right to:
- Access your personal information
- Request correction of inaccurate information
- Withdraw consent for future communications
- Request deletion of your personal information
- File a complaint with the Office of the Privacy Commissioner of Canada
9. Contact Us
For questions about this Privacy Policy or to exercise your rights, contact:
Blue Pearl Mortgage Group Inc.
Privacy Officer
Email: privacy@debttools.ca
Website: debttools.ca
10. Changes to This Policy
We may update this Privacy Policy from time to time. The effective date at the top of this page indicates when this policy was last revised.