Privacy Policy

Last updated: April 3, 2026

1. Introduction

Deal24×7 ("we", "us", "our") is a mortgage intelligence platform operated by Deal24×7 Inc. This Privacy Policy explains how we collect, use, disclose, and protect your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

2. Information We Collect

We collect the following types of personal information:

Account Information: Name, email address, and encrypted password when you create an account.
Deal & Client Data: Mortgage deal details (property value, mortgage amount, rates, terms), client names, email addresses, phone numbers, and notes that you enter into the platform.
Usage Data: Pages visited, features used, actions taken within the platform, and device/browser information for analytics and improvement purposes.
Province Preference: Your selected province for localizing calculations (land transfer tax, property tax rates, closing costs).
Notification Data: Push notification subscription tokens if you opt in to browser notifications.

3. How We Use Your Information

We use your personal information to:

Provide, maintain, and improve the Deal24×7 platform and its features.
Perform AI-powered deal risk analysis and mortgage scenario calculations.
Generate personalized reports (PDF deal reports, analytics).
Manage your loyalty points, rewards, and gift card transactions.
Send you notifications about deal updates, tasks, and platform activity.
Communicate with you regarding account security (password resets, alerts).
Ensure platform security and prevent unauthorized access.

4. Data Storage & Security

Your data is stored securely on cloud-hosted PostgreSQL databases with the following protections:

Encryption in Transit: All data transmitted between your browser and our servers is encrypted via TLS/SSL (HTTPS).
Password Security: Passwords are hashed using bcrypt and are never stored in plaintext.
Authentication: Sessions are managed with secure JSON Web Tokens (JWT).
Rate Limiting: Login, signup, and sensitive endpoints are rate-limited to prevent abuse.
Access Control: API routes verify authentication and authorization before processing requests.

5. Data Sharing & Disclosure

We do not sell your personal information. We may share data only in these circumstances:

AI Analysis: Deal details are sent to our AI provider for risk analysis. This data is processed in real-time and not retained by the AI provider.
Team Members: If you use the team features, deal and client information may be visible to authorized team members you have invited.
Legal Obligations: We may disclose information when required by law, regulation, or legal process.

6. Your Rights Under PIPEDA

As a Canadian user, you have the right to:

Access: Request a copy of the personal information we hold about you.
Correction: Request correction of inaccurate or incomplete information.
Withdrawal of Consent: Withdraw your consent for data processing at any time (this may limit your ability to use the platform).
Complaint: File a complaint with the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated.

7. Data Retention

We retain your personal information for as long as your account is active or as needed to provide you services. If you wish to delete your account and associated data, please contact us at the email below. We will process deletion requests within 30 business days.

8. Cookies & Local Storage

We use essential cookies and browser local storage for session management, theme preferences, and authentication tokens. These are necessary for the platform to function and cannot be disabled while using the service.

9. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice on the platform. Your continued use of Deal24×7 after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact:

Deal24×7 Privacy Office

Deal24×7 Inc.

[email protected]