Privacy Policy

1. Introduction

Copper Room (hereinafter "we", "us", or "our") operates as a mortgage advisory platform comparing mortgage brokers and bank specialists in Montreal. We are committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, and disclose your personal information when you visit our website or use our services.

2. Legal Framework

Our operations are governed by the laws of Quebec and Canada. Specifically, we comply with:

• Act respecting the protection of personal information in the private sector (Quebec), including amendments introduced by Law 25 (formerly Bill 64).
• Personal Information Protection and Electronic Documents Act (PIPEDA) of Canada.
• Principles of transparency, accountability, and consent as defined by Montreal jurisdictional standards.

3. Personal Data We Collect

We collect information that identifies you or can be used to identify you. This includes:

• Identity Data: Full name, date of birth.
• Contact Data: Email address, telephone number, residential address in Montreal or surrounding areas.
• Financial Data: Income levels, employment status, credit score estimates, and existing mortgage details (only when provided through our comparison forms).
• Technical Data: IP address, browser type, time zone settings, and operating system.
• Usage Data: Information about how you use our website, products, and services.

4. Purposes and Legal Basis for Processing

Under Law 25 and PIPEDA, we process your data based on Consent, Contractual Necessity, or Legitimate Interest. Purposes include:

• To provide comparison reports between mortgage brokers and bank specialists.
• To connect you with licensed mortgage professionals upon your explicit request.
• To improve our website functionality and user experience.
• To comply with legal and regulatory obligations in the province of Quebec.
• To send promotional communications (only with your express opt-in consent).

5. Disclosure to Third Parties

Copper Room does not sell your personal data. We may share your information with:

• Partner Mortgage Brokers/Banks: Only the professionals you select to facilitate your mortgage application.
• Service Providers: IT hosting, analytics (e.g., Google Analytics), and CRM providers who are contractually bound to protect your data.
• Legal Authorities: When required by law or to protect our legal rights.

Note: Some service providers may be located outside of Quebec. We ensure that such cross-border transfers comply with Law 25 requirements for "adequate protection."

6. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, including for the purposes of satisfying any legal, accounting, or reporting requirements. Once the data is no longer required, it is securely destroyed or anonymized in accordance with Law 25 standards.

7. Your Rights

As a resident of Montreal, Quebec, you have significant rights regarding your data:

• Right to Access: You can request a copy of the personal data we hold about you.
• Right to Rectification: You can ask us to correct inaccurate or incomplete information.
• Right to Deletion: You can request that we delete your personal data (subject to legal retention requirements).
• Right to Withdraw Consent: You may withdraw your consent to data processing at any time.
• Right to Portability: Since September 2024, Law 25 allows you to request that your data be provided in a structured, commonly used technological format.
• Right to Complain: You have the right to lodge a complaint with the Commission d'accès à l'information du Québec (CAI).

8. Cookies and Tracking Technologies

Our website uses cookies to distinguish you from other users and analyze traffic. Under Law 25, we use a "Consent by Default: Off" approach for non-essential cookies. You must actively opt-in to marketing and tracking cookies via our cookie banner.

9. Contact Us

To exercise your rights or if you have questions about our privacy practices, please contact our Data Privacy Officer: