Last updated: May 1st, 2021
This privacy refers to the use of the Houski application (https://app.houski.ca), website (https://www.houski.ca), or any other interactions or communications you may have with Houski Inc.
How we collect information
Some of the information we have about you is from when you gave it to us. For example, when you create an account in order to use our services. Other information is collected automatically when you are using our website or services on your computer or phone.
Examples of this would be improving your user experience by reading your IP for geolocation or using web cookies to save information about your interactions with our website or services on your device.
We do our best to make sure that you are aware when we are collecting your personal information, and what it will be used for. For example, when you connect your bank account to us for your prequalification, we explicitly require that information to do your prequalification calculations.
We also collect relevant information about you through various third party services, such as Equifax to look at your credit report, or your employer.
What information we collect
We consider your given name, surname, date of birth, postal address, telephone number, mobile phone number and email address to be your personal information.
We will likely ask you for your Social Insurance Number to look at your credit report. Your SIN is the best way to ensure that the information provided by the credit reporting agency is accurate. Your SIN also helps to reduce the risk of mortgage fraud.
How we use your information
We take steps to make sure that only people who need your personal information to do their job will have access to it.
We may use your personal information to:
- Create your account
- Provide access to our services
- Provide advice
- Deliver the products or services you have requested
- Perform transactions
- Contact you in connection with products and services
- Protect against error or fraud
- Comply with legal or auditing requirements
Disclosure of personal information
We may disclose your personal information with:
- Financial institutions
- Third party service providers
- Social media platforms (for the creation of customized advertising audiences)
Storage of your personal information
We store your personal information will be collected and stored on servers in Canada. It may be disclosed to, stored and/or otherwise processed by third parties who are located in other countries.
Personal information security
Houski uses cutting-edge security practices to protect your personal information. Houski's security practices are likely on par with military grade software security practices. That said, it is impossible and unethical for any company to guarantee that your personal information will never be compromised. We can only promise to protect your data to the best of our ability.
Retention of your data
We keep your information for as long as it is needed for your mortgage transaction. We will keep it longer if there is a law that requires us to.
Correcting personal data
You have the right to see any personal information we have about you. You can change it if it is wrong or out of date. You can generally do this yourself by logging into Houski.
Withdrawal of consent
You can stop us from collecting any of your information. To do this, you will need to contact us. You will need to send proof of who you are before we can do this. Once the request is made, you must stop using our products and services.