1. Introduction
Blue Butterfly Mortgages, operated by Kiki Berg, Senior Mortgage Strategist at Mortgage Architects A Better Way (collectively, "we," "us," or "our"), is committed to protecting the privacy of every visitor to this website and every client we serve.
This Privacy Policy explains what personal information we collect, why we collect it, how we use and protect it, and your rights under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable British Columbia privacy legislation.
By using this website or contacting us, you consent to the practices described in this policy.
2. Who We Are
For any privacy-related questions or requests, please contact Kiki directly using the details above.
3. Information We Collect
We may collect the following categories of personal information:
3.1 Information You Provide Directly
- Full name and contact details (phone number, email address, mailing address)
- Information submitted through our contact, booking, or free-guide request forms
- Messages sent via WhatsApp, email, or phone
- Financial information you voluntarily share during a consultation (e.g., property value, age, mortgage balance) to assess reverse mortgage eligibility
3.2 Information Collected Automatically
- IP address and approximate geographic location
- Browser type, device type, and operating system
- Pages visited, time spent on pages, and referring URLs
- Cookie identifiers and similar tracking technologies (see Section 7)
3.3 Information from Third Parties
- Referral information from partner brokers or financial advisors (with your consent)
- Publicly available information used to verify identity or property details
4. How We Use Your Information
We use your personal information only for the purposes for which it was collected, including:
- Responding to your inquiries and scheduling consultations
- Assessing your eligibility for reverse mortgage products
- Sending the free reverse mortgage guide you requested
- Providing ongoing mortgage advice and brokerage services
- Complying with legal and regulatory obligations (BCFSA, FINTRAC, PIPEDA)
- Improving our website and understanding how visitors use it (analytics)
- Sending relevant educational content or updates — only with your explicit consent, and you may unsubscribe at any time
We will never sell, rent, or trade your personal information to third parties for marketing purposes.
5. Legal Basis for Processing (PIPEDA)
Under PIPEDA, we collect, use, and disclose personal information only with your knowledge and consent, except where the law permits or requires otherwise. Consent may be:
- Express consent — when you fill out a form, book a call, or opt in to communications
- Implied consent — when you browse this website and essential cookies are set
- Withdrawal of consent — you may withdraw consent at any time by contacting us; withdrawal will not affect services already rendered
8. Data Retention
We retain personal information only as long as necessary to fulfil the purposes for which it was collected, or as required by law:
- Mortgage application files — minimum 7 years as required by BCFSA regulations
- General inquiries and consultation notes — up to 3 years after last contact
- Marketing consent records — retained until consent is withdrawn
- Website analytics data — up to 26 months in aggregate, anonymised form
When information is no longer required, it is securely deleted or anonymised.
9. Security Safeguards
We implement appropriate technical and organisational measures to protect your personal information against unauthorised access, disclosure, alteration, or destruction, including:
- Encrypted transmission (HTTPS/TLS) for all data sent to and from this website
- Password-protected and access-controlled systems for storing client files
- Restricted access — only authorised personnel handle personal information
- Regular review of security practices and staff privacy training
While we take every reasonable precaution, no method of transmission over the internet is 100% secure. If you have concerns about a specific communication, please contact us directly.
10. Your Privacy Rights
Under PIPEDA, you have the right to:
Access
Request a copy of the personal information we hold about you.
Correction
Ask us to correct inaccurate or incomplete information.
Withdrawal of Consent
Withdraw consent for non-essential uses at any time.
Complaint
File a complaint with the Office of the Privacy Commissioner of Canada (OPC).
To exercise any of these rights, contact Kiki Berg at kiki@bluebutterflymortgages.ca or call 778-808-7756. We will respond within 30 days.
11. Third-Party Links
This website may contain links to external websites (e.g., HomeEquity Bank, Equitable Bank, FCAC, BCFSA). We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.
12. Children's Privacy
Our services are intended for Canadian homeowners aged 55 and older. We do not knowingly collect personal information from individuals under the age of 18. If you believe a minor has provided us with personal information, please contact us immediately so we can delete it.
13. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The "Last updated" date at the top of this page will always reflect the most recent revision. We encourage you to review this page periodically.
Material changes will be communicated via a notice on our website or by email to clients on our active contact list.
14. Contact Us About Privacy
If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact our Privacy Officer:
If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada (OPC) at 1-800-282-1376 or Office of the Information & Privacy Commissioner for BC (OIPC).
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