Privacy Policy

1. Introduction

Welcome to HomeWise ("we", "our", or "us"), accessible at homewise.immo. We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, and share information when you use our website, tools, and services. By using HomeWise, you agree to the practices described in this policy.

2. Information We Collect

We collect information in the following ways:

• Information you provide: When you use our mortgage calculator, affordability tool, or AI chatbot (Aria), the values you enter (e.g. home price, income, down payment) are processed in real-time to generate results. We do not store these values on our servers.
• Usage data: We automatically collect certain information when you visit our site, including your IP address, browser type, operating system, pages visited, time spent on pages, and referring URLs.
• Cookies and tracking technologies: We use cookies and similar tracking technologies, including those placed by Google, to serve advertisements and analyse site traffic. See Section 5 for details.

3. How We Use Your Information

• To operate and improve our website and tools
• To provide accurate mortgage calculations and financial estimates
• To analyse how visitors use our site and improve the user experience
• To serve relevant advertisements through Adsterra
• To comply with legal obligations

4. Legal Basis for Processing (Canadian Users — PIPEDA)

HomeWise operates in compliance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA). We collect only the minimum information necessary to provide our services. You have the right to access, correct, or request deletion of any personal information we hold about you by contacting us at privacy@homewise.immo.

5. Cookies and Adsterra Advertising

HomeWise uses Adsterra to display advertisements. Adsterra and its advertising partners use cookies and similar technologies to serve ads based on your prior visits to this website and other sites on the internet, and to measure ad performance.

You may opt out of personalised advertising by visiting aboutads.info or youronlinechoices.eu, or by declining non-essential cookies in our cookie banner. You can also manage cookies through your browser settings.

We also use Google Analytics to understand how visitors interact with our site. Google Analytics collects information such as how often users visit this site, what pages they visit, and what other sites they used before coming to this site. Google Analytics only collects the IP address assigned to you on the date you visit our site, not your name or other identifying information.

6. Third-Party Services

We use the following third-party services that may collect data:

7. Data Retention

We do not store personal mortgage calculation inputs on our servers. Usage and analytics data collected through Google services is retained according to Google's own data retention policies. You may request deletion of any personal data we hold by contacting us.

8. Children's Privacy

HomeWise is not directed to children under the age of 13. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us and we will delete it promptly.

9. Your Rights

Under PIPEDA and applicable Canadian privacy law, you have the right to:

• Know what personal information we hold about you
• Access your personal information
• Correct inaccurate information
• Withdraw consent and request deletion of your data
• Lodge a complaint with the Office of the Privacy Commissioner of Canada

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of significant changes by updating the "Last updated" date at the top of this page. Your continued use of HomeWise after changes are posted constitutes acceptance of the revised policy.

11. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us: