PRIVACY POLICY

Wise Equity Inc.
Last Updated: February 25, 2026

Wise Equity Inc. (“Wise Equity,” “we,” “us,” or “our”) is committed to protecting the privacy, confidentiality, and security of personal information entrusted to us.

This Privacy Policy explains how we collect, use, disclose, safeguard, and manage personal information through our website (wiseequity.ca), our mortgage and financial services, and related communications.

This policy complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

1. What Is Personal Information?

“Personal Information” means information about an identifiable individual, including but not limited to:

  • Name
  • Email address
  • Phone number
  • Mailing address
  • Date of birth
  • Financial and credit information
  • Employment information
  • Mortgage and lending details
  • IP address and online identifiers

Personal Information does not include aggregated or anonymized data.

2. Information We Collect

We collect information in the following ways:

A. Information You Provide Directly

When you:

  • Submit a contact form
  • Apply for a mortgage
  • Subscribe to educational materials
  • Register for webinars or training
  • Enroll in courses
  • Communicate with our team

We may collect:

  • First and last name
  • Email address
  • Phone number
  • Country of residence
  • Financial information required for mortgage processing
  • Payment details (processed securely through third-party processors)

B. Mortgage Application Data

If you apply for a mortgage or financial product, we collect:

  • Identity verification information
  • Employment details
  • Income documentation
  • Credit information
  • Property information
  • Banking details (where required)

This information is used strictly for underwriting, lender submission, compliance, and regulatory purposes.

C. Payment Information

All payment transactions are processed through secure third-party payment processors (e.g., QuickBooks, PayPal, Wave, or equivalent PCI-DSS compliant providers).

Wise Equity Inc. does not store full credit card numbers.

D. Cookies and Website Analytics

We use cookies and similar technologies to:

  • Improve website functionality
  • Analyze site traffic
  • Measure advertising effectiveness
  • Enhance user experience

We may use:

  • Google Analytics
  • Facebook Pixel
  • CRM tracking tools (e.g., GoHighLevel)

You may disable cookies through your browser settings.

3. How We Use Personal Information

We use your information to:

  • Process mortgage and financial applications
  • Communicate regarding your file or inquiry
  • Provide educational content and updates
  • Improve our services
  • Meet regulatory and compliance obligations
  • Prevent fraud and enhance security
  • Send marketing communications (with consent)

We only use personal information for the purposes for which it was collected or as required by law.

4. Consent

By providing personal information to Wise Equity, you consent to its collection, use, and disclosure for the purposes outlined in this policy.

Marketing communications are sent in compliance with Canada’s Anti-Spam Legislation (CASL). You may withdraw consent at any time by:

  • Clicking “unsubscribe” in any email, or
  • Contacting us directly.

Withdrawing consent may limit our ability to provide certain services.

5. Disclosure of Personal Information

We may disclose personal information to:

  • Lenders and financial institutions
  • Credit bureaus
  • Regulatory bodies
  • Payment processors
  • CRM and technology service providers
  • Professional advisors (legal/accounting)

We do not sell or rent personal information to third parties.

We may disclose information if required by law or legal process.

6. Third-Party Service Providers

We use trusted service providers to support our operations, including:

  • GoHighLevel (CRM)
  • Fimo (Mortgage application system)
  • Google Analytics
  • Facebook advertising services
  • Email service providers
  • Payment processors

Some providers may store or process data outside Canada. In such cases, information may be subject to the laws of the jurisdiction where it is processed.

7. Data Retention

We retain personal information:

  • As long as necessary to fulfill service purposes
  • As required by regulatory and legal obligations
  • For recordkeeping and compliance requirements

Mortgage and financial records may be retained for statutory periods required under Canadian financial regulations.

8. Safeguards

We implement appropriate physical, administrative, and technical safeguards to protect personal information, including:

  • Secure Canadian servers
  • Bank grade encryption
  • Restricted employee access including select support team members located outside of Canada.
  • Every access logged and monitored under Canadian privacy law.
  • Password-protected systems
  • Secure third-party platforms

While no system is completely secure, we take reasonable steps to minimize risk.

9. Your Rights

You have the right to:

  • Access your personal information
  • Request corrections
  • Withdraw consent (where applicable)
  • Request deletion where legally permissible

To exercise these rights, contact us at: info@wiseequity.ca

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada.

10. Children’s Privacy

Our services are intended for individuals 18 years of age or older. We do not knowingly collect information from minors.

11. Changes to This Policy

We may update this Privacy Policy periodically. The revised version will be posted on our website with an updated “Last Updated” date.

12. Contact Information

If you have questions about this Privacy Policy or your personal information, please contact:

Wise Equity Inc.
Email: privacy@wiseequity.ca
Website: www.wiseequity.ca