This Policy explains our approach to the collection, use, storage, and sharing of information pertaining to users (“you”) of our Site and Services. This privacy policy (the “Policy”) outlines how we handle your data when you interact with our website, located at www.maplerate.ca (the “Site”), and when you use our related offerings and services (collectively, the “Services”), as defined in our Terms of Use.

At Walton Systems Development Group Inc. (referred to in this policy as “Maplerate,” “we,” or “us”), we are dedicated to safeguarding your personal information.

Identifying Purposes

We primarily use your personal information to deliver and manage the Services you access through our platform.

Our goal is to collect, use, and share only the information necessary to support your account, respond to your requests, improve your experience, verify your identity, and enhance the quality of our offerings. This information is essential to operating our Services effectively and efficiently.

More detailed purposes for our collection, use, and disclosure of personal information—further described in the Use and Disclosure section—include the following:

Providing access to our products and services, including those delivered through trusted third-party providers;
Gaining a better understanding of your preferences and requirements;
Maintaining a responsible and ongoing business relationship with you;
Assessing your qualifications for particular offerings and making relevant recommendations;
Improving and refining our existing services and developing new ones;
Offering products and services we believe may align with your interests;
Overseeing the administration and strategic operations of our business;
Detecting, preventing, and responding to fraud or security concerns; and
Complying with applicable laws and regulatory responsibilities.

Consent

By using the Services, you may be understood to have given implied consent to the collection, use, and sharing of your personal information as outlined in this Privacy Policy. This typically occurs when you knowingly provide personal data—whether in writing, online, or through other direct means—for a clearly stated purpose.

In certain cases, we may also receive your personal information from third-party providers or platforms. When you use those services and they are authorized to share your data with us, we rely on those parties to have obtained your consent appropriately.

There are circumstances where we will request your explicit consent for specific uses of your personal information—especially if the information is particularly sensitive or if it will be used for a new or previously uncommunicated purpose. This express consent may be obtained through actions such as checking a box, agreeing to terms, or taking another clear, affirmative step.

Information

We collect two main categories of information through our Website and Services: Personal Information and Website Information.

Personal Information refers to details that can be used to identify you directly, such as your full name, mailing address, email address, payment information, date of birth, and gender. When we collect this type of information, we will make it clear what data is being requested and explain the purpose for which it is being used.

Website Information includes technical and usage data gathered automatically when you access our Website. This may consist of your IP (Internet Protocol) address, the domain name through which you reached the site, and details about your browser type, operating system, and software version.

Collection

We may collect personal information on the Website through various interactions, including but not limited to account registration, completed request forms, inquiries related to financial products or services, communication exchanges, customer support, the use of digital tools, and access to advisory resources.

We also gather aggregated, non-identifiable data such as demographic trends among users (e.g., average age or regional distribution), overall traffic metrics, user navigation patterns, and average visit duration. Additionally, information that relates to a person in a business or professional context—such as name, title, business address, or work telephone number—is not treated as personal information when used strictly for business-related communications.

Beyond the data you provide directly, we may receive supplementary information from third-party partners that helps us better understand the full customer experience—from initial quote requests to completed transactions for financial products. These third parties collect such data under their own privacy policies and may share information such as the date of approval, product type, final transaction amount, and whether any additional products were bundled with your selection.

Use and Disclosure

We use and disclose your Personal Information for the following purposes:

Account Registration: To access and use certain features of the Services, you may be required to create an account. During this process, we will collect specific personal details from you, such as your full name, mailing address, and email address. This information is used to manage your account and deliver the Services effectively. We will not share your registration details with third parties unless such disclosure is necessary to fulfill other components of the Services you have requested or is otherwise permitted under this Privacy Policy.
Mortgage Application: When you complete a mortgage application form on our Website, we collect a range of personal information including your full name, email address, phone number, province of residence, date of birth, address history, annual income, current financial institution, employment status and details, as well as information about your financial assets. With your explicit consent, we will also request your credit report from a credit bureau. The information you provide, along with your credit report, is shared with prospective mortgage lenders to assess your mortgage eligibility. Where necessary, we may also disclose this information to financial intermediaries and mortgage insurers involved in facilitating the mortgage process. Credit reports we receive may contain detailed information, including your credit types and amounts, repayment history, any negative banking records, collection accounts, legal proceedings, prior bankruptcies, and other data reported by your creditors. Your consent authorizes the credit reporting agency to release this information to us. If we are unable to retrieve your credit report using only your name, birth date, and mailing address, we may ask you to optionally provide additional identifying information—such as your Social Security Number—to assist in accurately matching your file with the credit bureau.
Loan Application: If you complete a loan application form on the Website, for example a personal loan or auto loan, we collect Personal Information including your first and last name, email address, phone number, province, date of birth, address history, annual income, financial institution, employment status, and other employment-related information, as well as details regarding your financial assets and liabilities. Other processes following this can be found in the Mortgage Application section (Above).
Location Information: Some offerings from third-party providers are available exclusively in specific geographic areas. As a result, we may request details about your location—such as your postal code, province, city, or address—or gather location-related data from your device usage. This information enables us to determine service eligibility, tailor your experience to your region, and ensure that you receive only the applicable offerings.
Request Forms: When you seek additional information about a specific third-party product or service featured on our Website, you may be prompted to provide personal information such as your name, contact details, address, and other relevant data based on the nature of the offering. By submitting a request form, you authorize us to forward the provided information to the corresponding third party responsible for the product or service. Once shared, your personal information will be handled in accordance with that third party’s own privacy practices and policies. We encourage you to review their privacy terms prior to submitting your request.
Transactional Communication: Regardless of your specified email preferences, we may send you notifications related to specific activities associated with your use of our Services. This includes, but is not limited to, alerts regarding updates to our Terms of Use or Privacy Policy. These communications are essential for keeping you informed about important changes and maintaining your account's integrity.
Online Tools: Our Services may include interactive features such as mortgage or personal loan calculators. When you use these tools, we may collect personal data you input—such as income, interest rates, credit score, or loan amount—in order to operate the tool and deliver the relevant estimates or results. This information is used solely to support the functionality of the tools and is not shared with third parties unless otherwise stated in this Privacy Policy.
Statistics: We collect data regarding your interactions with third-party products and services for which you request information through our Website. While this information is kept confidential, we may maintain aggregate statistics that do not personally identify you. These aggregate statistics may be shared with other members or third parties for analytical purposes.
Cookies and Other Website Technologies: We utilize cookies to track content usage and monitor traffic on our Website. A cookie is a small text file placed on your hard disk by a web server through your web browser. Our Website employs cookies to compile aggregate statistics about user interactions, including the number of visitors, average time spent on the site, frequently viewed pages, and user navigation patterns following their visit. This information is crucial for enhancing website content and improving our Services. You can configure your browser to alert you when a cookie is sent, allowing you to choose whether to accept it. Please note that disabling cookies may limit your ability to access certain features of the Website. Additionally, our Website may use technologies such as tracer tags, pixel tags, or web beacons to understand which pages you visit, assisting us in optimizing and customizing the Website for you and future visitors.
IP Address: Your IP address is automatically reported by your web browser each time you access a page on our Website. This information is stored alongside your registration details in our databases. We utilize this data to enhance our Services and improve your overall experience on the Website.
Marketing Communications and Product Recommendations: If you opt to receive marketing communications from us, we will collect your name and email address to provide you with updates about our products and services, as well as those offered by our partners, that may interest you. Additionally, we may utilize the information we have about you, along with data obtained from third parties, to offer personalized product recommendations on our Website. You can withdraw your consent to receive marketing communications or product recommendations at any time by following the opt-out instructions included in each communication or by contacting our customer service department at info@maplerate.ca.
Analytics: We may employ third-party software, such as Google Analytics and PostHog Product Analytics, to collect and analyze information regarding your interactions with the Website. This includes data on areas you visit, such as the most viewed pages, time spent on each page, search terms, and other engagement metrics. This information is instrumental in evaluating and enhancing the user experience and overall performance of the Website.
Interest-Based Advertising: Advertisements displayed on the Website may be served by us or by third-party web advertisers. We permit these third-party advertisers to place cookies or similar technologies on the Website to collect information about you, including Website Information. As this data is gathered on the Website, we disclose it to the respective advertisers. These cookies enable the advertisement servers operated by these third parties to recognize your computer each time they deliver an online advertisement. Consequently, these servers may compile information regarding your interactions with their advertisements, including where you viewed them and which ads you clicked on. This data allows web advertisers to deliver targeted advertisements that are more likely to align with your interests.
Improving our User Experience: We may utilize the Personal Information you provide to access additional Personal Information about you from third parties, ensuring that this data was collected in compliance with the respective third-party privacy policies. We also collaborate with third-party ad networks and advertising companies that implement their own tracking technologies, including cookies and pixel tags, on our Website. These entities may gather information about your activities on our Website and other third-party websites, including the pages you visit and your interactions with our advertisements and communications. This information is used to make predictions about your preferences, create personalized content, and deliver more relevant ads on both our Website and across the Internet. Additionally, it may be employed to assess the effectiveness of our online advertising campaigns.

Residents of Québec

In accordance with the Act Respecting the Protection of Personal Information in the Private Sector, as amended by Law 25, we are committed to safeguarding your Personal Information and upholding the rights of Quebec residents.

Your Rights Under the Act:
As a resident of Quebec, you have specific rights concerning your Personal Information, including but not limited to:

Access: You have the right to access your Personal Information that we hold and to request corrections if the information is inaccurate or incomplete.
Consent: We are required to obtain your consent for the collection, use, and disclosure of your Personal Information, except in certain circumstances outlined by law.
Rectification: If you find inaccuracies in your Personal Information, you can request its rectification, and we will take reasonable steps to accommodate your request.
Deletion: You may request the deletion of your Personal Information when it is no longer required for the purposes for which it was collected or if you withdraw your consent.
Transparency: You have the right to be informed about the collection and use of your Personal Information, including how it is shared with third parties.

How to Exercise Your Rights:
To exercise any of these rights, please contact us using the details provided in the "Contact Us" section of this Privacy Policy. We will respond to your request in accordance with the timelines established by applicable law.

We are dedicated to ensuring compliance with the applicable provisions of the Act and to keeping your Personal Information secure, accurate, and up-to-date. Your trust is important to us, and we are committed to protecting your privacy in accordance with the highest legal standards.

We share your Personal Information exclusively to fulfill the purposes outlined above. To achieve these objectives, we enlist third-party service providers for specific functions, including enhancing our Website, hosting our Website, delivering advertising services, executing email marketing campaigns, offering cloud solutions, and conducting analytics related to advertising. These third parties may receive limited access to user information databases solely for the purposes mentioned, and they will be bound by contractual agreements that restrict them from utilizing the information for any other reason.

If we intend to utilize your Personal Information for any additional purposes not specified above, we will only proceed after revising this Privacy Policy accordingly. For more details, please refer to the section titled 'Amendment of this Policy' in this Privacy Policy.

We may share your Personal Information with third parties without your consent if we believe that such disclosure is essential to identify, contact, or take legal action against an individual who may be causing harm or disruption—either intentionally or unintentionally—to our rights or property, other users of the Website, users of the Services, or anyone else who could be affected by such actions. Additionally, we may disclose Personal Information when we reasonably believe that such disclosure is mandated or permitted by applicable law.

We may also share your Personal Information in the event of a corporate reorganization, merger, or amalgamation with another entity, or the sale of all or a significant portion of our assets or stock. This includes any due diligence processes related to such transactions, as long as the information disclosed is used for the purposes permitted under this Privacy Policy by the acquiring entity (or as otherwise consented to).

Children’s Privacy

Our Services are not directed at individuals under the age of 18. We do not knowingly collect personal information from anyone under 18 years of age. If we become aware that we have collected personal information from a child under 18, we will take reasonable steps to delete such information from our records.

We encourage parents and guardians to actively monitor their children's online activities and to ensure that their children do not provide any personal information on our Site.

If you are a parent or guardian and believe that your child has provided us with personal information, please contact us using the details provided in the "Contact Us" section of this Privacy Policy.

Privacy Accountability

We follow a structured set of internal procedures designed to support compliance with this Privacy Policy and adapt as our services and operations evolve. These procedures are regularly reviewed and refined to ensure they:

Clearly identify the reasons for collecting your personal information;
Secure your informed and appropriate consent prior to collection;
Limit the collection, use, and disclosure of your personal data to what is necessary;
Strive to keep your personal information accurate, complete, and up to date;
Apply appropriate safeguards to protect your personal information;
Follow established timelines for retaining and securely disposing of data;
Provide mechanisms for addressing inquiries, complaints, and access requests related to your personal information;
Outline steps for managing data breaches or security incidents;
Evaluate and mitigate risks related to the handling of your personal information;
Ensure that any third-party service providers manage personal data in line with this Privacy Policy; and
Offer privacy awareness and training programs for our staff.

Opting Out

You have the right to revoke your consent for our collection, use, or disclosure of your Personal Information at any time. Please be aware that withdrawing your consent may limit your access to certain features of the Website and/or Services. To opt out, ensure that cookies are enabled in your web browser.

Protecting your Information

We prioritize the security of your Personal Information. To ensure an adequate level of protection for your data, we have established contractual and organizational safeguards with our agents and service providers. Your Personal Information will not be disclosed or transferred to third parties except as outlined in this Privacy Policy.

Please be aware that our servers and certain service providers are located in Canada, which means your Personal Information could be accessible to Canadian government authorities under lawful orders, regardless of the security measures we have implemented for its protection.

We strive to maintain your Personal Information in a secure environment by employing commercially reasonable efforts. Our approach includes technical, contractual, administrative, and physical safeguards. Additionally, we have set up protocols to limit access to your Personal Information to only those individuals who need it to fulfill the purposes we've communicated to you.

You also play a role in protecting your Personal Information. For example, avoid sharing your email account details or passwords related to the Services with anyone.

We will keep the contact information you provide confidential when you register for our Services, engage with our marketing communications, or reach out to us with inquiries. This information will only be used for the purposes for which it was collected (subject to the exceptions and disclosures noted in this Privacy Policy), unless you provide your consent for it to be shared with other third parties.

Retention

We will retain your Personal Information for as long as it is needed to fulfill the purposes outlined above or as mandated by applicable law, which may continue even after our relationship with you has ended. We may hold onto specific data to safeguard against fraud or future misuse, or for legitimate business reasons, such as analyzing aggregated, non-identifiable information, facilitating account recovery, or complying with legal obligations. Any retained Personal Information will still be governed by this Privacy Policy. Please note that if you request the removal of your information from our databases, complete deletion of all your Personal Information may not be achievable due to technological limitations or legal requirements.

Access and Accuracy

You have the right to request access to your Personal Information that we maintain, allowing you to verify the information we have collected about you and understand how we utilize it. Upon receiving your written request, we will provide you with a copy of your Personal Information. However, there may be limited circumstances where we cannot disclose all relevant data, such as when it also concerns another individual. In such cases, we will explain the reasons for any denial upon your request.

We aim to process all requests for access and amendments promptly. We are committed to ensuring that your Personal Information is accurate and up-to-date, and we will provide you with tools to correct, update, delete, or add to your data as necessary. Any amended information will be shared with those parties to whom we are allowed to disclose your data. Maintaining accurate Personal Information is crucial for us to provide you with optimal service.

Amendment of this Policy

We reserve the right to modify this Privacy Policy at any time, without prior notification. Changes may be made to reflect developments in our practices, legal requirements, or other operational adjustments.

To stay informed about how we handle your Personal Information and any updates to our policies, we encourage you to regularly review this Privacy Policy. Your continued use of our Services following any amendments signifies your acceptance of the updated terms. If you do not agree with the changes, we recommend that you refrain from using our Services.

Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy, or if you wish to exercise your rights related to your Personal Information, please do not hesitate to reach out to us. We are committed to addressing your inquiries promptly and thoroughly.

Contact Information:

Website: www.maplerate.ca
Email: info@maplerate.ca

Office Hours:
Monday to Sunday: 9:00 AM to 5:00 PM (EST)

Inquiries or Requests:
When contacting us, please provide your full name, email address, and a clear description of your inquiry or request. This will help us respond to you more efficiently.

Response Time:
We strive to respond to all inquiries within 5 business days. If your request requires additional time, we will notify you accordingly.

Feedback:
We value your feedback and suggestions regarding our Privacy Policy and Services. Feel free to share your thoughts with us via email or telephone.

Report a Privacy Concern:
If you believe your privacy rights have been violated, you may contact us directly using the information above. Alternatively, you can report your concerns to the appropriate regulatory authority in your region.

Thank you for choosing Maplerate We appreciate your trust and are committed to protecting your Personal Information.