1. Identification of the Data Controller
Iron Mill Home, operating within the jurisdiction of Quebec City, Quebec, is committed to the protection of your personal information. In compliance with the Act respecting the protection of personal information in the private sector (the "Private Sector Act") and the amendments introduced by Law 25 (formerly Bill 64), Iron Mill Home acts as the person in charge of protecting personal information (the "Privacy Officer").
Our commitment is to ensure transparency in how we analyze consumer credit data, hidden fees, and bank overpayments while maintaining the highest standards of data integrity.
2. Categories of Data Collected
We collect information that identifies, relates to, or could reasonably be linked, directly or indirectly, with a particular consumer or household. This includes:
- Identifiers: Legal name, telephone number, and email address provided through our assessment forms.
- Financial Inquiry Data: Information regarding existing loan structures, perceived hidden fees, and interest rates for the purpose of credit analysis.
- Technical Data: IP addresses, browser type, device information, and geolocation data (Quebec City regionality).
- Usage Data: Information on how you interact with our guides on "Hidden Loan Fees Analysis" and "Quebec Interest Rates".
3. Legal Grounds for Processing
Under Quebec's Law 25, Iron Mill Home processes your data based on the following legal frameworks:
- Consent: When you voluntarily submit your details to receive our "Quebec Consumer Protection Act" guide or credit analysis.
- Performance of a Contract: To provide the specific financial intelligence services you have requested.
- Legal Obligation: To comply with tax, anti-fraud, and regulatory reporting requirements in the province of Quebec.
- Legitimate Interest: To improve our website’s functionality and provide relevant content regarding debt consolidation methods.
4. Purposes of Data Processing
Your personal data is used exclusively for the following purposes:
- To provide personalized analysis of consumer credit in Canada and identify potential bank overpayments.
- To verify eligibility for debt consolidation methods or interest rate reductions.
- To communicate updates regarding the "Credit Score Impact Factors" and other educational resources.
- To maintain the security of our digital infrastructure and prevent unauthorized access to financial profiles.
5. Data Retention Periods
Iron Mill Home retains personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by Quebec law. Generally, financial inquiry data is kept for a period of seven (7) years following the termination of the relationship to comply with audit and legal requirements. Technical logs are typically anonymized or deleted after twelve (12) months.
6. Disclosure to Third Parties
We do not sell your personal information. Disclosure may occur in the following strictly controlled scenarios:
- Service Providers: Cloud hosting, analytics, and CRM providers who are contractually bound to maintain Québécois privacy standards.
- Cross-Border Transfer: If data is stored outside of Quebec, we conduct Privacy Impact Assessments (PIA) as required by Law 25 to ensure the destination provides an equivalent level of protection.
- Legal Requirements: If mandated by the Autorité des marchés financiers (AMF) or other regulatory bodies.
7. Your Rights under Quebec Law
As a resident of Quebec, you possess the following rights regarding your personal information:
- Right to Access: You may request a copy of the personal information we hold about you.
- Right to Rectification: You may request the correction of inaccurate or incomplete data.
- Right to De-indexation: You may request that we stop disseminating your information or de-index links that provide access to it if it causes you injury or contravenes the law.
- Right to Portability: Starting September 2024, you have the right to receive your data in a structured, commonly used electronic format.
- Right to Withdraw Consent: You may withdraw your consent for data processing at any time, subject to legal or contractual restrictions.
8. Cookie and Tracking Technologies
We use cookies to enhance your experience while navigating our analysis of hidden fees. You can manage your preferences through your browser settings or our dedicated cookie panel. Please refer to our Cookie Policy for detailed information on the types of cookies we use (Essential, Functional, and Analytical).
9. Contact and Grievances
To exercise your rights or if you have questions regarding our privacy practices, please contact our Privacy Officer:
Iron Mill Home — Privacy Office
Address: 450 Rue du Pont, Quebec City, QC G1K 6M4
Email: ironmillhome@yahoo.com
Phone: +1 (729) 568-5253
If we are unable to resolve your concern, you have the right to lodge a complaint with the Commission d'accès à l'information du Québec.