Privacy Policy

We take your privacy seriously at RATESDOTCA.

Privacy Policy

Our commitment to privacy: RATESDOTCA, a division of Kanetix Ltd., knows that protecting the privacy and confidentiality of your personal information is important to consumers. This Privacy Policy governs RATESDOTCA. Collection, use and disclosure of personal information by us and our affiliates are governed by the Personal Information Protection and Electronic Documents Act (the "Act"), and any applicable provincial legislation. This Privacy Policy explains what personal information is collected from its customers and how it is used. It also explains how you can ask questions, make suggestions, and complain about our privacy practices. This Privacy Policy applies to personal information (see below) collected by us, including our websites. Be aware that our websites may contain links to other websites provided and maintained exclusively by third parties not subject to this Privacy Policy. Please review the privacy policies on any external websites to determine their information handling practices.

This Privacy Policy is available to the public in electronic form at If you have any additional concerns or questions, we encourage you to contact us and we will address your concerns to the best of our ability. Please read this Privacy Policy carefully, and check back periodically as we update it from time to time. By submitting your personal information to us, you signify your agreement to the terms and conditions of this Privacy Policy.

What is personal information?

Personal information is any information about an identifiable individual. Personal information does not include the name, title, business address or telephone number of an employee of an organization.

We are responsible for personal information under our control. Our employees are informed about the importance of privacy and receive periodic information to update them about our Privacy Policy and related policies. In addition, we have appointed a Privacy Officer to oversee personal information-handling practices of RATESDOTCA.

Children: If you are under 18, be sure to obtain your parent or guardian's permission before you send any personal information to us, or anyone else, over the Internet. We encourage parents to get involved with their children's online usage and to be aware of the activities in which they are participating.

What personal information do we collect, and why?

We collect personal information for specific, limited purposes. Information is collected by fair and lawful means. Anyone can navigate this website without giving us personal information.

We collect personal contact information (for example, name, address, email address and telephone numbers) if you: request a mortgage rate or insurance rate quote or other services; sign up for a newsletter or other email services; are a mortgage or insurance broker or agent and have an account with us; or provide it to us when you click the submit button on our website forms. This information is used to fulfill your request, provide targeted advertising and respond to your inquiries and feedback.

  • If you are a broker or agent, we retain your login ID and passwords so that upon request by you and receipt of identification we may remind you of them.
  • If you enter a contest or other promotion, we use your personal contact information to administer the contest or promotion including contacting, announcing and promoting prize winners.
  • We collect demographic information, as well as quote request history and a list of promotions offered to you ("history"), in order to gain a better understanding of your interests so that we may develop better products and services, and to determine eligibility for our products and services.
  • We may also use demographic, personal contact and history information from time to time to contact you about changes, enhancements or other notices related to goods or services you requested and which we provide. In addition, we may use this information to send you offers or information from us, our affiliates and from selected sponsors or advertisers ("Marketing Offers"). If you do not wish to receive Marketing Offers, you may opt-out at any time by following the procedure set out in our opt-out policy (see below).
  • We keep notes and special instructions on file for mortgage and insurance brokers and agents to help us fulfill your request and provide customer service. We may tape or monitor your telephone calls with our customer service representatives for quality assurance purposes.
  • We may collect credit card information if you are a mortgage or insurance broker or agent. This credit card information is used for the purpose of fulfilling your order.
  • If you choose to opt-out of any use of your personal information in accordance with our opt-out policy, we keep your contact information on a list so that your request can be honoured. If you complain to any of our departments, we collect your contact information and the nature of your complaint, for the purpose of investigating and responding to you.
  • If you are a service provider, we collect your social insurance number for tax reporting purposes and your contact information in order to pay you. We may also collect financial information from service providers and from advertisers (for example, banking details and credit history) to assess credit risk, sales data to prepare royalty reports and other information to help us evaluate your services.
  • If you use any of our websites, we may assign an internet cookie. An internet cookie is a small text file that a website stores on your internet browser and that can collect and store information. We use cookies to better understand how you use our websites, to make sure our ads and dynamic content are served correctly and to improve the performance of our websites. For example, a cookie may recall a set of preferences you have set for our website and record items that you have registered for. Storing cookies on your web browser allows us to present you with custom web pages and other content that are tuned with your preferences. For example, if you are a registered user, you may see a welcome page with your name on it. These activities are invisible to you, and are generally intended to improve your internet surfing convenience. Unless you have set your preferences so that you will be alerted when a cookie is being stored on your computer, you won't know about it.

If you are concerned about cookies, it is possible to turn them off in your web browser preferences. However, please be aware that by disabling cookies, you may not be able to use all portions of our websites, particularly pages requiring registration. Amar out.

We partner with a third party to display advertising on our website or to manage our advertising on other sites, including ads pertaining to our clients' products. Our third party partners may use cookies or similar Kanetix Ltd adheres to the Digital Advertising Alliance of Canada’s (the DAAC) self-regulatory principles for online behavioral advertising. You may also visit the Adchoices consumer opt out page to learn more about interest based advertising and manage your ad preferences. Please note you will continue to receive generic ads.

We may place advertising or other links on our sites that originate from outside advertisers. If you view these ads, the advertisers may assign a cookie. We do not control these cookies, nor are we responsible for any marketing or other use of your name by these advertisers.

We generally use your personal information for the purposes of: managing, administering, collecting or otherwise enforcing accounts; maintaining business records for reasonable periods of time and generally managing and administering our business; and meeting regulatory, legal, insurance, audit, security and processing requirements. Occasionally, we ask our customers to complete market research surveys. Survey results are aggregated and shared with our advertisers, sponsors and affiliates in a manner that does not disclose personal information. Other than as permitted or required by law, purposes for the collection, use or disclosure of personal information, which are not set out in this Privacy Policy, will be set out at the time of collection. You will be given a reasonable opportunity to opt-out of any additional purposes no later than the time of collection.

To whom do we disclose personal information, and why?

RATESDOTCA is not a mortgage or insurance company or a mortgage broker/agent or insurance broker/agent. You will be disclosing information directly to mortgage and insurance brokers or agents, as well as to RATESDOTCA if you choose to receive a mortgage or an insurance quote from a mortgage or insurance broker or agent. This will be clearly indicated, and it is part of the quoting process.

We may also disclose your personal information under the following circumstances:

  • In order to provide you with Marketing Offers (see above), we may disclose your personal contact information to affiliates and selected sponsors and advertisers. If you do not wish to receive Marketing Offers, you may opt-out at any time by following the procedure set out in our opt-out policy (see below).
  • We may transfer your personal information on a confidential basis to a third party (which party may be outside of Canada) acting on our behalf in order to perform processing and other specialized services, for example, prize fulfillment of our contests, collection of overdue accounts, product delivery, or credit card processing.
  • Your personal information may be processed and stored outside of the province in which you reside and/or outside of Canada by us, an affiliate or a third party service provider for the purposes set out in this Privacy Policy and, under the laws of these other jurisdictions, in certain circumstances foreign courts, law enforcement agencies or regulatory agencies may be entitled to access your personal information.
  • We may disclose your personal information to our affiliates for internal audit, management, billing, administrative, marketing, promotion, or other business purposes.
  • When we need to disclose your personal information to unrelated parties, for example, if we find you have violated any stated terms of service or conditions of purchase, or if we need to comply with applicable laws and lawful governmental requests, other legal and regulatory authorities and other legal reasons.
  • We may disclose your personal information to parties connected with the contemplated or actual financing, insuring, sale, assignment or other disposal of all or part of our business or assets, including for the purposes of determining whether to proceed or continue with such transaction or business relationship or fulfilling any records or other reporting requirements to such parties. We will require such parties to treat your personal information in accordance with this Privacy Policy and to use and disclose it only for the purposes for which it was collected.

Consent and opt-out policy.

Personal information collected by RATESDOTCA is used to provide you with a reference to a mortgage or insurance company or broker/agent or other service. Any information requested by the presentation of any form on our website will be clearly marked and no collection will take place unless you, not only fill in the form, but also actively consent and successfully submit that form's content to us.

In general, we seek consent to use your personal information in accordance with our opt-out policy. Except as set out in this section, we obtain your express opt-in consent to use or disclose sensitive personal information.

If you do not wish to receive Marketing Offers, you may opt-out at any time by doing any of the following:

  • Follow the instructions at the bottom of any email Marketing Offer you receive.
  • Call RATESDOTCA at 1-844-726-0907 and request that your personal information not be used for Marketing Offers.
  • Email RATESDOTCA at and request that your personal information not be used for Marketing Offers.

Please allow a reasonable time (approximately 2-4 weeks) for processing of your request.

Generally, by providing us with your personal information, we will assume that you consent to our collection, use and disclosure of such information for the purposes identified or described in this Privacy Policy, if applicable, or otherwise at the time of collection. We reserve the right to use and disclose your personal information without consent where required or permitted by law, for example, if we have reasonable grounds to believe the information could be useful when investigating a contravention of a federal, provincial or foreign law, in order to protect or defend our legal interests, or to comply with applicable laws and lawful governmental requests.

How to access and correct your personal information.

You may call RATESDOTCA at 1-844-726-0907 and we will make the changes upon receipt of appropriate evidence.

We will give you access to the information we retain about you within a reasonable time, upon written request, satisfactory identification and proof of entitlement. In some cases, we may not provide access to personal information in our possession or control. If we deny your request, we will advise you in writing of the reason for the refusal and you may challenge our decision.

How to challenge our privacy practices. We encourage you to contact us with any questions or concerns you have about your privacy or this Privacy Policy. If you have a question concerning our Privacy Policy, or if you have a complaint, please contact RATESDOTCA at:

Privacy Officer
360 Adelaide Street West, Suite 100
Toronto, Ontario
M5V 1R7
Phone: 1-844-726-0907

Customer Service at RATESDOTCA can successfully deal with many issues. If you prefer, or if after contacting Customer Service, your concerns or questions have not been resolved to your satisfaction, you can contact the RATESDOTCA Privacy Officer as well.

This Privacy Policy was last updated on February 11, 2015.