Privacy Policy

Privacy Policy

Effective Date: July 29, 2025
Last Updated: Feb 14, 2026

Credit Mentors Canada Inc. (“Credit Mentors,” “we,” “us,” or “our”) is committed to protecting your privacy and handling your personal information responsibly and transparently.

This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you visit https://creditmentors.ca or use our services, including rent reporting, educational programs, strategy sessions, subscriptions, and related tools.

This policy is governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.

1. Who We Are

Credit Mentors Canada Inc. is a Canadian organization providing credit education, rent reporting facilitation, and structured credit guidance services.

We are not a credit bureau.

2. Information We Collect

We may collect the following categories of personal information:

A. Contact Information

  • Full name
  • Email address
  • Phone number
  • Mailing address (if required)

B. Account Information

  • Login credentials
  • Profile preferences
  • Communication preferences

C. Rent Reporting Information

  • Rent payment history
  • Lease details (duration, terms)
  • Landlord contact information (if applicable)
  • Tenant verification documentation
  • Supporting documents provided during onboarding

D. Credit-Related Information

  • Credit-related information voluntarily submitted by you
  • Goals or financial context shared for advisory purposes

E. Technical Information

  • IP address
  • Browser type
  • Device information
  • Location data (approximate)
  • Website usage analytics

F. Communication Data

  • Messages sent through contact forms
  • Email correspondence
  • Support inquiries

We only collect information necessary to provide services and fulfill the purposes described below.

3. Lawful Basis for Processing

We collect and process personal information based on:

  • Your consent
  • The need to fulfill contractual obligations related to our services
  • Compliance with legal obligations
  • Legitimate business purposes such as fraud prevention, service improvement, and security

By submitting your information through our website or enrolling in services, you consent to the collection and use of your information as described in this policy.

4. How We Use Your Information

We use personal information to:

  • Facilitate rent reporting to participating credit bureaus (with your consent)
  • Provide educational content and structured credit guidance
  • Deliver services you request
  • Process payments
  • Communicate with you regarding services and updates
  • Improve website functionality and security
  • Comply with legal and regulatory requirements
  • Prevent fraud or misuse of our services

We do not sell your personal information.

5. Credit Bureau Reporting

If you enroll in our rent reporting service, we collect and share rent payment information with one or more participating credit bureaus in accordance with your authorization.

We:

  • Only report rent payment data
  • Do not control credit bureau scoring models
  • Do not control lending decisions
  • Do not guarantee credit score increases or loan approvals

Credit scoring models and lending decisions are determined independently by credit bureaus and financial institutions.

We do not make automated credit approval decisions.

6. Data Sharing

We may share your information with:

  • Credit bureaus (for rent reporting, with consent)
  • Payment processors
  • Hosting providers
  • Email service providers
  • Analytics providers
  • Technology vendors supporting our operations
  • Government or legal authorities, when required by law

Some service providers may process data outside of Canada. When this occurs, we implement contractual safeguards and security measures to protect your personal information in accordance with Canadian privacy laws.

7. Data Retention

We retain personal information only as long as necessary to:

  • Provide requested services
  • Maintain business and financial records
  • Comply with legal and regulatory requirements
  • Resolve disputes
  • Enforce agreements

When personal information is no longer required, it is securely deleted or anonymized.

Retention periods may vary depending on the type of service and applicable legal requirements.

8. Data Protection & Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information, including:

  • Secure hosting environments
  • HTTPS encryption (SSL/TLS)
  • Access controls
  • Limited internal access to sensitive data
  • Secure data storage
  • Monitoring for unauthorized access

While we take reasonable precautions, no system can guarantee absolute security.

9. Data Breach Notification

In the event of a breach of security safeguards involving personal information that poses a real risk of significant harm, we will:

  • Notify affected individuals
  • Report the breach to the Office of the Privacy Commissioner of Canada
  • Take appropriate remedial action

as required under applicable Canadian privacy laws.

10. Cookies & Tracking Technologies

We use cookies and similar technologies to:

  • Improve website functionality
  • Analyze usage patterns
  • Enhance user experience
  • Maintain security

You may manage cookie settings through your browser preferences.

For more information, please refer to our Cookie Policy (if applicable).

11. Email Communications

With your consent, we may send:

  • Educational updates
  • Service notifications
  • Program announcements
  • Administrative communications

You may unsubscribe from marketing emails at any time by using the “Unsubscribe” link.

Transactional or administrative emails related to services may still be sent where necessary.

12. Your Privacy Rights (PIPEDA)

Under Canadian privacy law, you have the right to:

  • Access personal information we hold about you
  • Request correction of inaccurate information
  • Withdraw consent (subject to legal or contractual restrictions)
  • Request deletion where applicable
  • File a complaint with the Office of the Privacy Commissioner of Canada

Requests may be submitted to: info@creditmentors.ca

13. Children’s Privacy

Our services are not intended for individuals under the age of 18.

If we become aware that we have collected personal information from a minor without appropriate consent, we will delete it.

14. Changes to This Policy

We may update this Privacy Policy periodically.

The “Last Updated” date at the top of this page will reflect revisions.

Continued use of our services after updates constitutes acceptance of the revised policy.

15. Contact Information

If you have questions regarding this Privacy Policy or your personal information, please contact:

Credit Mentors Canada Inc.
Email: info@creditmentors.ca
Website: https://creditmentors.ca