Privacy Policy

CallFusion Corp ("we," "us," or "our") operates ProRates, a mortgage rate comparison platform ("ProRates," "Platform," or "Service"). Our service is designed to connect consumers with licensed mortgage professionals. We are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use ProRates. By accessing or using ProRates, you agree to this Privacy Policy and our Terms of Service.

1. Information We Collect

We collect information to facilitate a connection between you and licensed mortgage professionals and to improve your experience on ProRates.

1.1 Information You Provide

• Contact Information: When you request to be connected with a professional, we collect your name, email address, and phone number to facilitate communication.
• Your Stated Interest: We collect your general interest (such as buying a new home, renewing, or refinancing) to help provide context to the mortgage professional we connect you with.
• Financial Information: We do not collect financial information such as your income, employment status, or credit score.
• Communication Records: We maintain records of your interactions with us and any correspondence to provide effective customer support and improve our services.

1.2 Information We Collect Automatically

• Usage Data: We collect information about how you interact with ProRates, including pages visited, rates viewed, calculators used, and time spent on different sections. This helps us understand user preferences and improve our platform.
• Device and Technical Information: We collect IP address, browser type, operating system, device identifiers, and mobile network information to ensure platform compatibility and security.
• Location Information: We may collect general location information (such as city or province) to provide region-specific mortgage rates and lender options relevant to your area.
• Cookies and Tracking Technologies: We use cookies and similar technologies to remember your preferences, analyze platform usage, and provide relevant content.

1.3 Information from Third Parties

• Rate Data Providers: We collect mortgage rate information from various data sources and lenders to provide current and accurate rate comparisons on our platform.
• Analytics Services: We use third-party analytics services to understand how users interact with ProRates and to improve our platform performance.

2. How We Use Your Information

We use your information to provide mortgage rate information and connect you with suitable lenders and mortgage professionals:

• To Display Rate Information: We use your general location to display relevant mortgage rates and products from our partner lenders.
• To Connect You with Professionals: When you request to be connected, we share your contact information and stated interest with relevant lenders and mortgage professionals who can assist you, based on your explicit consent.
• To Operate Calculators and Tools: We use the information you input into our mortgage calculators to provide estimates for informational purposes only. These tools do not offer financial advice or a promise of credit.
• To Communicate with You: We use your contact information to respond to inquiries and provide customer support.
• To Personalize Your Experience: We analyze your usage patterns and preferences to show you the most relevant rates, products, and educational content.
• To Improve Our Platform: We analyze usage data to enhance our tools, add new features, and improve the overall user experience.
• For Marketing and Education: We may use your contact information to send relevant mortgage market updates and educational content, from which you can opt out at any time.
• To Ensure Platform Security: We monitor usage patterns to detect and prevent fraudulent activities and protect the integrity of our platform.
• For Legal Compliance: We use your information as necessary to comply with applicable laws, including Canadian privacy and consumer protection regulations.

3. How We Share Your Information

ProRates operates as a connection service connecting users with mortgage lenders and professionals. We do not sell your personal information to third parties.

We may share your information in the following circumstances:

• With Mortgage Lenders and Professionals: When you submit a request, we share your contact information and stated interest with relevant lenders, brokers, and mortgage professionals who can provide you with mortgage options. This is the primary purpose of our platform.
• With Service Providers: We share information with third-party service providers who help us operate ProRates, including web hosting, analytics, email delivery, and customer support services.
• For Legal and Safety Purposes: We may disclose your information to comply with legal obligations, respond to legal processes, protect our rights and property, or ensure the safety of our users and platform.
• In Business Transfers: If ProRates is acquired or merged with another company, your information may be transferred as part of that transaction.
• With Your Consent: We may share your information for any other purpose with your explicit consent.

4. Lead Generation and Professional Relationships

ProRates operates as a connection service and lead generation platform. When you submit your information through our forms:

• Your information will be shared with one or more mortgage lenders, brokers, or professionals who may contact you to discuss mortgage options.
• We may receive compensation from our partners for successful referrals. This does not influence the rates displayed or affect your mortgage terms.
• Once your information is shared with a lender or broker, their own privacy policy and practices will govern how they handle your information.
• You may receive contact from different mortgage professionals as a result of your single inquiry through ProRates.

5. Data Security

We implement industry-standard security measures to protect your personal information from unauthorized access, use, alteration, and disclosure. Our security measures include encryption of sensitive data, secure data transmission, and restricted access to personal information.

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security. In the event of a data breach, we will take prompt action to address the incident and comply with applicable notification requirements.

6. Data Retention

We retain your personal information for as long as necessary to provide you with our services and fulfill the purposes described in this Privacy Policy. Specifically:

• Contact information and mortgage preferences are retained to facilitate ongoing communication with lenders and provide follow-up services.
• Usage data and analytics information may be retained longer to improve our platform and services.
• We may retain information longer as required by law or to resolve disputes and enforce our agreements.

7. Your Rights and Choices

7.1 Access and Update Your Information

You have the right to request access to the personal information we hold about you and to request corrections if the information is inaccurate. You can contact us at support@prorates.com to request access to or updates of your information.

7.2 Opt-Out of Communications

You can opt out of receiving promotional emails from ProRates by clicking the unsubscribe link in our emails or contacting us directly. Please note that opting out of promotional communications will not stop communications related to mortgage quotes you have requested or prevent lenders from contacting you about inquiries you have submitted.

7.3 Deletion of Personal Information

You can request deletion of your personal information by contacting us at support@prorates.com. Please note that if you have active quote requests or ongoing communications with lenders, some information may need to be retained to complete those processes.

7.4 Cookie Preferences

You can control cookies through your browser settings. However, disabling cookies may limit some functionality of ProRates, including personalized rate recommendations and calculator features.

8. International Data Transfers

Your information may be transferred to and processed in countries other than Canada, including the United States, where our service providers may be located. We ensure that appropriate safeguards are in place to protect your information during international transfers.

9. Children's Privacy

ProRates is intended for individuals who are of legal age to enter into mortgage agreements (typically 18 or 19 years of age in Canada). We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will take steps to delete such information promptly.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will post the updated Privacy Policy on ProRates and update the effective date. Your continued use of ProRates after any changes indicates your acceptance of the revised Privacy Policy.

11. Canadian Privacy Laws

ProRates complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws. We are committed to handling your personal information in accordance with Canadian privacy principles and regulations.

12. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

• Email: support@prorates.com
• Corporate Contact: kajen@callfusion.io

Acknowledgment

By using ProRates, you acknowledge that you have read, understood, and agree to the terms of this Privacy Policy. You understand that ProRates operates as a connection and lead generation service and that your information will be shared with mortgage lenders and professionals as described above based on your express consent.