Privacy Policy

Last updated: February 20, 2026

VaultIQ Privacy Policy

We are committed to protecting your personal information and being transparent about how we use it.

Section 1

VaultIQ Privacy Policy

Last Updated: January 2026

VaultIQ (“VaultIQ,” “we,” “us,” or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you access or use the VaultIQ web application and related services (the “Services”).

This Privacy Policy applies to users located in Canada and is governed by applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

By using VaultIQ, you consent to the practices described in this Privacy Policy.

Section 2

1. Information We Collect

a) Information You Provide

When you create an account or use VaultIQ, we may collect:

Name

Email address

Company or brokerage name

Account login credentials

Communications you send to us

b) Payment Information

Payments for VaultIQ are processed by Stripe, a third-party payment processor.

VaultIQ does not store your credit card numbers or full payment details.

Stripe processes payment information in accordance with its own privacy policy and security standards.

c) Mortgage Scenario Data

VaultIQ allows users to input mortgage-related scenario data, including:

Property details

City or region

Loan type

Loan-to-value (LTV) ratios

Lender criteria and deal parameters

VaultIQ is not designed to collect or store sensitive borrower data such as:

Social Insurance Numbers (SINs)

Bank account numbers

Government-issued identification

d) Information Collected Automatically

When you use the VaultIQ web app, we may automatically collect:

IP address

Browser type and version

Device and operating system information

Usage data (features accessed, interactions, timestamps)

Cookies and similar technologies

Section 3

2. How We Use Information

We use collected information to:

Provide, operate, and maintain the VaultIQ platform

Authenticate users and manage accounts

Process payments through Stripe

Deliver AI-assisted insights and functionality

Improve platform performance and user experience

Provide customer support

Protect against fraud, misuse, and security threats

Comply with legal and regulatory requirements

Section 4

3. Artificial Intelligence & Automated Processing

VaultIQ includes AI-assisted features designed to support analysis and decision-making.

AI-generated outputs are informational only

They do not constitute legal, financial, or lending advice

VaultIQ does not replace professional judgment or licensed advice

Users remain responsible for decisions made using the platform

Section 5

4. Cookies & Tracking Technologies

VaultIQ uses cookies and similar technologies to:

Enable essential web app functionality

Maintain secure user sessions

Analyze platform usage and performance

You may disable cookies through your browser settings; however, some features may not function properly as a result.

Section 6

5. Data Sharing & Third Parties

We may share information with trusted third parties only as necessary to operate VaultIQ, including:

Stripe (payment processing)

Hosting and infrastructure providers

Analytics and monitoring tools

VaultIQ does not sell, rent, or trade personal information.
All third-party service providers are required to safeguard personal information and use it only for authorized purposes.

Section 7

6. Data Storage & Security

VaultIQ uses reasonable administrative, technical, and physical safeguards to protect personal information, including:

Secure servers and infrastructure

Encrypted data transmission

Restricted access controls

While no method of storage or transmission is completely secure, we take commercially reasonable steps to protect your information.

Section 8

7. Data Retention

We retain personal information only for as long as necessary to:

Provide the Services

Meet legal and regulatory obligations

Resolve disputes and enforce agreements

Information may be deleted or anonymized when no longer required.

Section 9

8. Your Privacy Rights

Under Canadian law, you have the right to:

Request access to your personal information

Request corrections to inaccurate information

Withdraw consent, subject to legal or contractual restrictions

Request deletion of your account and associated data

Requests can be made using the contact details below.

Section 10

9. Children’s Privacy

VaultIQ is intended for professional users and is not designed for individuals under the age of 18. We do not knowingly collect personal information from children.

Section 11

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted within the VaultIQ web app or on our website, and the “Last Updated” date will be revised.
Continued use of VaultIQ after updates constitutes acceptance of the revised policy.

Section 12

11. Contact Information

If you have questions, concerns, or requests related to privacy, contact us at:
[Insert your email address / company contact details here]

Terms & Conditions Acceptance

I have read and agree to the Privacy Policy

I understand how my personal data will be collected, used, and protected.

I agree to the Terms & Conditions

I accept the terms of service governing the use of this loan brokering platform.

I consent to data sharing with trusted lenders

I understand my data may be shared with verified lending partners to process my loan application.

Please accept all terms and conditions before continuing.

Thank you! You have accepted all terms and conditions.