SharpeLending

1. Introduction
Sharpelending.com (“we,” “our,” or “us”) values your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information under the Personal Information Protection and Electronic Documents Act (PIPEDA) and any other relevant provincial or federal privacy laws in Canada. By using our website, you agree to the terms of this Privacy Policy.

2. Information We Collect
1. Personally Identifiable Information (PII): This may include your name, email address, phone number, financial details, and any other information you submit through our online forms or via other communication channels. We collect this information when you fill out forms for pre-approvals, contact us for services, or subscribe to our newsletters.

2. Non-Personal Information: This may include browser type, IP address, geographical location, pages visited, and the duration of time spent on our website. We use this information to improve our website’s user experience, functionality, and security.

3. Cookies and Similar Technologies: We use cookies, web beacons, and similar tracking technologies to gather information about your interactions with our website. These are used for analytics, personalization, session management, and to tailor our services to your preferences.

3. How We Use Your Information
1. Service Provision: To process mortgage applications, conduct pre-approvals, and provide other related mortgage services. To personalize mortgage rate quotes or financial advice based on your submitted information.
2. Communication: To send you updates, promotional offers, newsletters, and other relevant materials. To notify you of changes to our services, privacy practices, or other important updates.
3. Website Enhancement: To analyze trends, monitor site usage, and improve website functionality, security, and overall user experience.
4. Legal and Regulatory Compliance: To comply with applicable laws, regulations, or court orders. To fulfill our recordkeeping requirements under Canadian mortgage regulations or other financial laws.

4. Consent
1. Implied and Explicit Consent: By providing your personal information, you consent to its collection, use, and disclosure as described in this Privacy Policy. If you are located in a jurisdiction that requires explicit consent (e.g., certain provinces or if applicable international privacy laws), we will request a clear opt-in before collecting or processing your data.

2. Withdrawal of Consent: You have the right to withdraw your consent at any time. Withdrawal of consent may limit the services we can provide. To withdraw consent, contact us at info@sharpelending.com.

5. Data Protection
1. Security Measures: We employ industry-standard security protocols, including SSL encryption, secure data storage, and restricted access controls to protect your information. Our hosting providers and third-party service providers are vetted to ensure they also use adequate security measures.

2. No Absolute Guarantee: While we strive to protect your information, no method of electronic data transmission or storage is entirely secure. If you suspect a data breach, please contact us immediately at info@sharpelending.com.

6. Sharing and Disclosure of Information
1. Service Providers and Partners: We may share your information with trusted third parties who assist in processing mortgage applications, providing marketing services, or hosting our website. These third parties are contractually obligated to protect your personal information and use it only for the services requested.

2. Legal Requirements and Compliance: We may disclose your information to government authorities, regulators, or law enforcement if required by law or to enforce our legal rights. Disclosures may be made as necessary to comply with requests under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) or other applicable legislation.

3. With Your Explicit Consent: We may share your personal information with third parties (e.g., referral partners) for additional services or promotions, but only with your explicit consent.

7. Your Rights
Under Canadian privacy laws, including PIPEDA, you have the right to:
1. Access: Request a copy of your personal information that we hold.
2. Rectification: Request corrections to any inaccurate or incomplete data.
3. Erasure or Withdrawal: Request data deletion (subject to legal or contractual obligations) and withdraw consent for future collection or processing of your information.
4. Portability (if applicable): Receive a copy of your personal information in a structured, commonly used format for transfer to another organization, where required by law.
To exercise these rights, please contact us at info@sharpelending.com. We may require additional information to verify your identity and process your request.

8. Third-Party Links and External Services
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices, content, or policies of external sites. We encourage you to review their privacy policies before sharing any personal information.

9. Retention of Data
We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law, including mortgage regulatory requirements.

10. Updates
We may update this Privacy Policy to reflect changes in our practices or legal obligations. Revisions will be posted on this page with an updated Effective Date. We encourage you to review this policy periodically.

Terms of Service

Effective Date: DECEMBER 30, 2024

1. Acceptance of Terms
By accessing or using Sharpelending.com, you agree to comply with these Terms of Service (“ToS”). If you do not agree, you must discontinue use immediately. Continued use of the website indicates acceptance of any updates to these terms.

2. Services Provided
Sharpelending.com offers mortgage services, including but not limited to:
1. Mortgage pre-approvals and applications
2. Affordability calculation tools
3. Refinancing options and resources
4. Financial planning tools
5. Educational content related to the Canadian mortgage market

All services are subject to availability and eligibility requirements.

3. User Responsibilities
1. Accuracy of Information: You agree to provide accurate, current, and complete information when using our forms or services. Any misrepresentation or omission of material information could affect the reliability of our services.

2. Prohibited Activities: You agree not to engage in any illegal, fraudulent, or harmful conduct, including unauthorized access to our systems or distribution of malicious software.

3. Assumption of Risk: Your use of Sharpelending.com is at your own risk. You are responsible for verifying the accuracy and suitability of any tools, calculations, or advice before making financial decisions.

4. Assumed Interest Rate
Unless otherwise specified, any illustrative mortgage calculations on Sharpelending.com may assume an interest rate of 4%. This assumed rate is not a binding offer. Actual rates depend on market conditions, creditworthiness, and lender-specific criteria. For personalized rate quotes or final numbers, please contact us directly.

5. Disclaimer of Professional Advice
The information on Sharpelending.com is for informational purposes only. It should not be considered legal, financial, or other professional advice. We strongly recommend consulting with qualified professionals (e.g., lawyers, financial advisors) before making significant decisions.

6. Limitation of Liability
Sharpelending.com and its owners, employees, or agents are not liable for any direct, indirect, incidental, special, or consequential damages arising from:
1. Use of, or inability to use, our website or services
2. Errors, omissions, or inaccuracies in the website content or tools
3. Unauthorized access to or alteration of your data

Where the exclusion of certain warranties or liability is not permitted by law, the liability of Sharpelending.com will be limited to the fullest extent allowed by Canadian law.

7. Governing Law
These Terms of Service and any disputes arising from them are governed by the laws of Canada. If provincial or territorial laws apply to specific transactions, those laws will govern. Any legal proceedings will be brought in the courts of the province or territory where you reside, unless otherwise agreed.

8. Updates
We may revise these Terms of Service from time to time. Continued use of the website after posting revised terms indicates your acceptance of the updated ToS. The most current version will always be available on this website.

Disclaimer

Effective Date: DECEMBER 30, 2024

1. General Information
The content on Sharpelending.com is provided for general information and convenience. While we make every effort to ensure accuracy, we do not guarantee the completeness, reliability, or timeliness of the information available on our website.

2. Assumed Rate Disclaimer
If no specific rate is displayed in a tool or calculator, an assumed interest rate of 4% will be used as a baseline for illustrative purposes only. This rate is not a contractual offer and is subject to change without notice.

3. No Guarantee of Approval
Use of our tools or submission of an application does not guarantee mortgage approval, loan offers, or rate quotes. All applications are subject to lender requirements, credit checks, and additional factors.

4. Limitation of Liability
Sharpelending.com, its owners, and affiliates are not responsible or liable for any loss or damage resulting from reliance on information provided on this website. Users assume full responsibility for any decisions made based on the website’s content and tools.

5. External Links
Sharpelending.com may include links to third-party websites for user convenience. We do not endorse or assume responsibility for any third-party content, policies, or practices. We encourage you to review the terms and privacy policies of any external site before interacting with them.

6. Updates
This Disclaimer may be updated periodically. Changes will be posted on this page with a revised Effective Date. We recommend reviewing it regularly to stay informed of any updates.