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Privacy Policy

Last updated: June 24, 2026

1. Introduction and Commitment to Privacy

This Privacy Policy outlines how The Agent Forum ("we," "our," or "us") collects, uses, and protects your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.

We are committed to:

  • Protecting your privacy and personal information
  • Being transparent about our data practices
  • Obtaining consent for collection, use, and disclosure of personal information
  • Providing access to and control over your personal information

2. Information Collection and PIPEDA Compliance

Personal Information

  • Name and contact information (email, phone number)
  • Financial information related to mortgage calculations
  • Account preferences and settings
  • Communication history with our service

Technical Data

  • IP address and device information
  • Browser type and version
  • Usage patterns and preferences
  • Cookies and similar technologies

3. Use of Personal Information

Primary Purposes

  • Providing mortgage calculation services
  • Account management and support
  • Processing your requests and inquiries
  • Improving our services and user experience

Secondary Purposes

  • Marketing communications (with explicit consent)
  • Analytics and service improvement
  • Legal compliance and reporting
  • Fraud prevention and security

4. Your Privacy Rights Under PIPEDA

You have the right to:

  • Know why we collect, use, or disclose your personal information
  • Expect us to collect, use, or disclose your information reasonably and appropriately
  • Access your personal information and request corrections
  • Withdraw consent for the use of your personal information
  • File a complaint about our privacy practices

To exercise these rights, contact our Privacy Officer at privacy@agentforum.io

5. Data Protection and Security

We implement comprehensive security measures including:

Technical Measures

  • Encryption of data in transit and at rest
  • Secure data storage and backup systems
  • Regular security assessments and updates
  • Access controls and authentication

Organizational Measures

  • Staff privacy training and awareness
  • Data handling procedures
  • Incident response planning
  • Regular privacy impact assessments

6. Data Retention and Disposal

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. When personal information is no longer required, it is securely destroyed or anonymized.

Retention Periods:

  • Account information: Duration of account plus 2 years
  • Transaction records: 7 years (as required by law)
  • Marketing preferences: Until consent withdrawal
  • Usage logs: 12 months

7. International Data Transfers

While our services are primarily intended for Canadian users, some data may be processed in other jurisdictions. When this occurs, we ensure that:

  • Adequate data protection measures are in place
  • Transfer complies with Canadian privacy laws
  • Your privacy rights are preserved
  • Data processing agreements are in place with service providers

8. Contact and Complaints

Privacy Officer

Email: privacy@agentforum.io
Phone: 1-800-555-0123
Address: 123 Privacy Street, Toronto, ON M5V 2T6

Office of the Privacy Commissioner of Canada

If you are not satisfied with our response to your privacy concerns, you may contact the Office of the Privacy Commissioner of Canada:

Website: www.priv.gc.ca
Toll-free: 1-800-282-1376

9. Updates to This Policy

We review this policy regularly and may update it to reflect changes in our practices or legal requirements. Significant changes will be communicated through:

  • Email notifications to registered users
  • Prominent notices on our website
  • Updates to the "Last Updated" date

Important Note: This privacy policy demonstrates our commitment to protecting your privacy and complying with PIPEDA and other applicable Canadian privacy laws. We encourage you to review this policy regularly and contact us with any questions or concerns.