Privacy Policy

Who this applies to

This policy describes how Jim Silva (“we,” “us”) collects and uses information when you visit themortgagehelpers.ca, submit a mortgage inquiry, submit feedback through the /review page, or give optional permission for your feedback or a public Google review to be used on Jim’s website or marketing materials. This website is operated for mortgage brokerage services in British Columbia through 4Front Mortgages.

Information we collect

When you submit an inquiry, we may collect:

• Name
• Email address
• Phone number
• Mortgage-related details you choose to share
• Optional message details about your situation, timing, or goals
• Your consent to be contacted about your inquiry

When you submit feedback through the /review page, we may collect:

• Name
• The mortgage service or type of help you received
• Experience ratings, such as clarity, communication, and overall experience
• Your optional choice about whether Jim may feature your feedback and/or a public Google review on his website or marketing materials
• Your preferred public name or display format, when you give that permission
• Information needed to keep a record of the permission shown and, if you agreed, when you agreed, such as the consent version, the permission wording, and a timestamp

When you browse this site, we may also collect limited technical information, such as:

• Pages visited and general site interactions
• Device, browser, and approximate location data derived from your IP address
• Referring page or campaign information, including UTM parameters when present in the URL

How we use your information

• To respond to your inquiry
• To follow up about your mortgage request
• To understand which mortgage services may be relevant to your situation
• To understand and improve the client experience
• To review service quality
• To keep a record of any testimonial or publication permission you provide
• To identify feedback internally
• To feature your feedback or a public Google review on Jim’s website or marketing materials only where you have given that permission
• To display your name only according to the display preference you selected
• To operate, secure, and improve this website
• To measure site performance and understand how visitors use our pages
• We do not sell your personal information

Submitting feedback does not automatically give permission to publish it. Publication permission is optional, and we only treat it as given if you check the sharing box on the feedback form.

Third-party services

We use trusted service providers to operate this website, protect it from abuse, and communicate with you. These providers may process information on our behalf according to their own privacy policies.

Cookies and similar technologies

This site may use cookies or similar technologies in the following ways:

• Strictly necessary: required to operate the site, deliver pages securely, and protect forms from abuse (for example, through Cloudflare and Turnstile).
• Analytics: used on production pages to understand traffic and site usage through Google Analytics 4.
• Advertising (planned): if Meta advertising tools are added in the future, they may use cookies to measure ad performance and visits from Meta platforms.

You can control or delete cookies through your browser settings. Blocking some cookies may affect site functionality, especially security features on inquiry and feedback forms.

Your choices

• You choose what information to include in an inquiry form.
• You must check the consent box before we can contact you about your inquiry.
• Testimonial or publication permission on the feedback form is optional. You can submit feedback without agreeing to public use.
• You can contact us to withdraw previously provided testimonial or publication permission for future use, subject to applicable legal or record-retention requirements.
• You can contact us to request access to or correction of personal information we hold about you.
• You can adjust browser cookie settings or use Google’s analytics opt-out tools.
• You can contact us to ask questions about how your information is handled.

Data retention

We keep inquiry information only as long as needed to respond to your request, follow up on your mortgage inquiry, and meet reasonable business or legal requirements.

Feedback and permission records are kept only as long as reasonably needed to manage the feedback, document the permission that was provided, manage published testimonials while they are in use, handle withdrawal or correction requests, and meet legitimate legal or business requirements. When identifiable feedback is no longer reasonably required for those purposes, we delete or de-identify it according to these practices.

Analytics data is retained according to the settings and policies of our analytics providers.

Privacy questions or requests

For privacy questions, access or correction requests, or to withdraw previously provided testimonial or publication permission, email jim@4frontmortgages.com .