Privacy Policy
Last updated: April 4, 2026
1. Who We Are
Loans Expert is a mortgage comparison platform operated by Planetterrian Ventures Inc., a company incorporated in British Columbia, Canada, with its principal office in Vancouver, BC. In this policy, "we," "us," and "our" refer to Planetterrian Ventures Inc.
2. What We Collect
We collect personal information that you provide directly when using our platform, including:
- Name and contact information (email address, phone number)
- Mortgage details (property type, purchase price, down payment, mortgage purpose)
- Financial profile information (income, employment type, credit score range)
- IP address and browser information collected automatically when you visit our site
- Usage data such as pages visited and actions taken on the platform
3. Why We Collect It
We collect your information for the following purposes:
- To compare mortgage rates from multiple lenders based on your specific financial profile
- To match you with a licensed mortgage professional who can assist with your application
- To communicate with you about your rate comparison results and next steps
- To improve our platform, services, and user experience through aggregated analytics
4. How We Use Your Information
Your personal information is used to:
- Run our AI-powered rate matching engine to find mortgage options suited to your profile
- Notify your assigned licensed mortgage professional so they can review your match and contact you
- Send you communications related to your rate comparison, including results and follow-ups
- Generate aggregated, anonymized analytics to improve our services
5. Who We Share Your Information With
We share your personal information only with the licensed mortgage professional assigned to assist you with your application. We do not sell, rent, or trade your personal information to third parties.
We may also share information with service providers who assist us in operating our platform (such as hosting and analytics providers), subject to contractual obligations that ensure the protection of your data. In all cases, these providers are only permitted to use your information for the purposes we specify.
6. Data Retention
We retain your personal information as follows:
- Active accounts: for the duration of your relationship with us, plus seven (7) years to comply with applicable regulatory and legal requirements
- Inactive accounts: personal information is deleted after two (2) years of inactivity
- Anonymized and aggregated data may be retained indefinitely for analytics purposes
7. Your Rights
Under the Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:
- Access the personal information we hold about you
- Request correction of any inaccurate or incomplete information
- Request deletion of your personal information, subject to legal and regulatory obligations
- Withdraw consent for the collection or use of your personal information at any time
To exercise any of these rights, please contact us using the information provided below.
8. Data Security
We implement appropriate technical and organizational safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:
- Encryption of data in transit using TLS/SSL protocols
- Secure, access-controlled cloud infrastructure hosted in SOC 2-compliant environments
- Role-based access controls limiting employee access to personal information on a need-to-know basis
- Regular review of our security practices and incident response procedures
While we take reasonable steps to protect your information, no method of transmission or storage is completely secure. We cannot guarantee absolute security of your data.
9. Third-Party Service Providers
We use trusted third-party service providers to operate our platform. These providers may process your data on our behalf, subject to contractual obligations that ensure the protection of your information:
- Cloud hosting and content delivery services
- Database and data storage providers
- Transactional email delivery services
- Analytics tools that collect anonymized usage data
We do not permit these providers to use your personal information for their own marketing purposes. Data processing by these providers may occur in Canada or the United States, and is subject to the privacy laws of those jurisdictions.
10. Electronic Communications (CASL)
In compliance with Canada's Anti-Spam Legislation (CASL), we only send commercial electronic messages (such as marketing emails or newsletters) to individuals who have provided express consent. Transactional messages related to your rate comparison or inquiry are not considered commercial messages under CASL.
You may withdraw your consent to receive marketing communications at any time by clicking the unsubscribe link included in our emails or by contacting us directly. Withdrawal of marketing consent does not affect transactional communications related to services you have requested.
11. Cookies
We use cookies solely for analytics purposes to understand how visitors interact with our platform and to improve our services. We do not use advertising trackers or sell cookie data to third parties.
You can control cookie settings through your browser preferences. Disabling cookies may affect certain features of the platform.
12. Updates to This Policy
We may update this privacy policy from time to time to reflect changes in our practices or applicable laws. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email or through the platform. We encourage you to review this policy periodically.
13. How to Contact Us
If you have questions about this privacy policy, wish to exercise your rights, or have concerns about how we handle your personal information, please contact us: