Privacy Policy

1. Introduction

Ratellow ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and safeguard your personal information when you use our mortgage simulation platform and related services (the "Service").

2. Information We Collect

We collect information to provide a better experience for our users. This includes:

• Account Information: When you sign in via Google Authentication, we receive your name, email address, and profile picture as provided by Google.
• Simulation Data: Financial inputs you enter into the mortgage calculator, such as home price, down payment, and interest rates, which are used to generate your personalized reports.
• Technical Data: IP address, browser type, and device information used to ensure the security and stability of our platform.

3. How We Use Information

We use your data strictly for the following purposes:

• To provide and maintain the mortgage simulation services.
• To save and synchronize your mortgage scenarios across devices.
• To improve our platform through anonymized usage analytics.
• To comply with legal obligations and prevent fraudulent activity.

4. Data Security

We implement robust security measures to protect your data. All communication is encrypted via SSL/TLS, and authentication is handled through secure industry-standard protocols (Firebase/Google Auth). We do not store your raw credentials.

5. Third-Party Service Providers

We engage trusted third-party service providers to perform functions and provide services to us, including:

• Identity & Security: We use third-party authentication services to securely manage user accounts and sign-in processes.
• Data Infrastructure: Our database and application hosting are provided by industry-leading cloud infrastructure partners.
• Geolocation Services: We use third-party mapping providers to calculate regional taxes and lending regulations based on your location.
• Marketing Analytics (Google Ads API): We develop internal tools that integrate with the Google Ads API to analyze real estate search trends and manage marketing campaigns. We strictly adhere to Google API Services User Data Policy. We do not sell or share data obtained through the Google Ads API with any unauthorized third parties.

Note: Some of these service providers may be located outside of Canada. By using our Service, you acknowledge that your personal information may be processed in jurisdictions whose data protection laws may differ from those in Canada.

6. Canadian Compliance (PIPEDA)

In accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to access, correct, or request the deletion of your personal data at any time.