Last updated: October 13, 2025
Effective Date: October 13, 2025
Prepayment Penalty Mentor (“we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information of our visitors and customers. This Privacy Policy explains how we collect, use, disclose, and protect your information in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable laws.By using our website www.peanltymentor.ca, you agree to the terms of this Privacy Policy
We collect two main types of information:
a. Personal Information
Information you voluntarily provide to us, including:NameEmail addressPhone numberMailing address (if applicable)Payment or billing details (if you make a purchase)
b. Non-Personal and Technical Information
Automatically collected data through Google Analytics and similar tools, such as:
- IP address
- Browser type and version
- Device information
- Pages visited, time spent, and interactions with our website
- Referral sources and general location data
This data helps us understand user behavior and improve our website performance.
We use your information to:
- Provide and improve our services and website experience
- Communicate with you about updates, promotions, or services (via email marketing)
- Process transactions and manage your account (if applicable)
- Respond to your inquiries or customer service requests
- Analyze site traffic and usage through Google Analytics
- Comply with legal and regulatory obligations
You may opt out of marketing emails at any time by clicking the “unsubscribe” link in any email or by contacting us directly.
We use Google Analytics, a web analytics service provided by Google Inc. Google Analytics uses cookies to collect and analyze data about how visitors use our site.
Google may use the data collected to personalize ads within its network. You can opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on available at: https://tools.google.com/dlpage/gaoptout
For more information on how Google uses data, visit: https://policies.google.com/privacy
By providing personal information to us, you consent to our collection, use, and disclosure of that information as described in this Privacy Policy. You may withdraw your consent at any time, subject to legal or contractual restrictions, by contacting us at info@penaltymentor.ca.
We only share your information in limited circumstances, including:
- With service providers (e.g., website hosting, email marketing, payment processors) who help us operate our business. These providers are contractually bound to protect your data.
- When required by law or legal process
- To protect our rights, property, or safety, or that of others
We do not sell or rent your personal information to third parties.
We use reasonable administrative, technical, and physical measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.
However, please note that no transmission of data over the Internet is completely secure.
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy or as required by law.
Under PIPEDA, you have the right to:
- Access your personal information held by us
- Request correction of any inaccurate or incomplete data
- Withdraw consent to further use of your information
You can exercise these rights by contacting us at info@penaltymentor.ca.
Our website may contain links to external websites. We are not responsible for the privacy practices or content of third-party sites.
Our services are not intended for children under the age of 13. We do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated “Effective Date.”
If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us at info@penaltymentor.ca.
We empower Canadian mortgage agents with the tools and expertise to confidently navigate prepayment penalties and refinancing scenarios