Privacy Policy

What I collect

When you submit the contact form, I receive the details you enter: your name, email address, phone number and message, plus which page of this site you were on when you contacted me, so I know what you were reading.

The mortgage calculator runs entirely in your browser — nothing you type into it is sent or stored.

If you accept analytics, Google Analytics also records anonymous usage data: pages viewed, approximate region, device type and how you arrived. Your IP address is truncated before storage. There are no advertising pixels and no cross-site tracking on this site.

How I use it

To respond to your inquiry, discuss your mortgage needs and follow up as you've requested. If you decide to proceed with an application, I'll ask separately for the documents and consent that lenders require — nothing from this website starts an application on its own.

Cookies and analytics

Analytics is switched off until you choose "Accept analytics" in the notice at the bottom of the page. Decline and no analytics cookie is ever set. I use this only to see which pages are worth keeping — never to identify you or to advertise to you.

To change your mind, clear this site's data in your browser settings and the notice will appear again. One small item is stored in your browser to remember your choice; it is not a tracking cookie and never leaves your device.

Text messages

The contact form has an optional box to let me text you about your inquiry. It is unticked by default — leave it alone and you will never receive a text. Tick it and you may get a short reply confirming I received your message.

Texts are sent through Twilio, which processes your phone number to deliver them. Reply STOP at any time to opt out immediately, or just email me. This consent covers replies about your own inquiry only — I do not send marketing texts, rate blasts or newsletters to this list.

Where it's stored

Form submissions are delivered to my business email and stored in a private, access-controlled Google Workspace account (Google Sheets and Gmail). Google's own safeguards and encryption apply in transit and at rest.

Some of these providers (Google, Twilio) operate servers outside Canada, including in the United States. While your information is there it may be accessible to foreign courts and law enforcement under the laws of that country. I keep lead records only as long as needed to serve you and to meet the record-keeping obligations of a licensed mortgage agent.

When it's shared

Your information is never sold or shared for marketing. It is shared only with Pineapple Financial Inc. (my brokerage) and, with your consent, with lenders and insurers as part of a mortgage application you choose to pursue — or where the law requires it.

Links to other sites

Buttons like "Start My Pre-Approval" and "Book a Call" take you to services operated by Pineapple Financial Inc. and Google, which have their own privacy policies.

Your choices

You can ask me at any time what information I hold about you, ask me to correct it, or ask me to delete it (subject to records I'm required to keep as a licensed agent). You can withdraw consent to texts, emails or analytics at any point without affecting the service you get. Email melodnawabi@gopineapple.com and I'll respond within 30 days, usually far sooner.

If you are not satisfied with how I handled your information, you can raise it with Pineapple Financial Inc. at compliance@gopineapple.com, or with the Office of the Privacy Commissioner of Canada at priv.gc.ca.

Questions

Melod Nawabi · 111 Gordon Baker Road, Toronto, ON M2H 3R1 · melodnawabi@gopineapple.com. If this policy changes, the new version will be posted here with an updated effective date.