Maple Loan Hub (“we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit mapleloanhub.ca and use our loan matching services.
Please read this policy carefully. By using our website, you consent to the practices described below.
1. Who We Are
Maple Loan Hub is a Canadian loan matching service that connects borrowers with licensed third-party lenders. We are not a direct lender. Our registered business operates under Canadian federal and applicable provincial privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
Contact: Maple Loan Hub Email: privacy@mapleloanhub.ca Website: mapleloanhub.ca
2. Information We Collect
When you use our website or submit a loan application, we may collect the following categories of personal information:
a) Information You Provide Directly:
- Full name and date of birth
- Home address and province of residence
- Email address and phone number
- Employment status, employer name, and income details
- Bank account information (for e-Transfer deposit purposes)
- Government-issued ID details (as required by lenders)
- Loan amount requested and purpose
b) Information Collected Automatically:
- IP address and approximate geographic location
- Browser type and version
- Device type and operating system
- Pages visited, time spent, and navigation patterns
- Referring website or search query
- Cookies and similar tracking technologies
c) Information from Third Parties:
- Credit bureau data (soft inquiry) used for lender matching
- Identity verification data from third-party verification providers
3. How We Use Your Information
We use your personal information for the following purposes:
- To process your loan application and match you with suitable lenders in our network
- To verify your identity and assess basic eligibility
- To communicate with you about your application, offers, and account
- To improve our services through analytics and usage data
- To comply with legal obligations under applicable Canadian law
- To detect and prevent fraud and unauthorized access
- To send service-related communications (not marketing, unless you opt in)
We do not use your information to make automated final lending decisions — that is done by the lender you are matched with, according to their own policies.
4. How We Share Your Information
Your personal information may be shared with:
a) Partner Lenders: When you submit an application, your information is shared with one or more lenders in our network for the purpose of evaluating your loan request. Each lender has their own privacy policy governing their use of your data.
b) Service Providers: We work with trusted third-party service providers for functions such as website hosting, data analytics, identity verification, and fraud detection. These providers are bound by confidentiality agreements and may only use your data to perform services on our behalf.
c) Legal Authorities: We may disclose your information if required to do so by law, court order, or regulatory authority, or if we believe disclosure is necessary to protect the rights, property, or safety of Maple Loan Hub, our users, or the public.
We do not sell your personal information to advertisers, data brokers, or unaffiliated third parties.
5. Cookies and Tracking Technologies
Our website uses cookies and similar technologies to enhance your experience and gather usage data. Types of cookies we use:
| Cookie Type | Purpose |
|---|---|
| Essential | Required for website functionality |
| Analytics | Help us understand how visitors use the site |
| Preference | Remember your settings and choices |
| Marketing | Track conversions (opt-out available) |
You can manage or disable cookies through your browser settings. Note that disabling essential cookies may affect website functionality.
6. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law. Typically:
- Application data: Retained for up to 7 years for legal and compliance purposes
- Analytics data: Retained for up to 26 months
- Marketing consent records: Retained until you withdraw consent
When data is no longer needed, it is securely deleted or anonymized.
7. Your Privacy Rights Under PIPEDA
As a Canadian resident, you have the right to:
- Access the personal information we hold about you
- Correct inaccurate or incomplete information
- Withdraw consent for non-essential uses of your data
- Request deletion of your data (subject to legal retention requirements)
- File a complaint with the Office of the Privacy Commissioner of Canada
To exercise any of these rights, contact us at privacy@mapleloanhub.ca. We will respond within 30 days.
8. Security
We implement industry-standard security measures to protect your personal information, including:
- 256-bit SSL/TLS encryption on all data transmissions
- Secure, access-controlled data storage
- Regular security audits and vulnerability assessments
- Staff training on data handling and privacy obligations
No method of transmission over the internet is 100% secure. While we take all reasonable precautions, we cannot guarantee absolute security.
9. Third-Party Links
Our website may contain links to third-party websites, including lender websites. We are not responsible for the privacy practices of these sites. We encourage you to review the privacy policy of any third-party site you visit.
10. Children’s Privacy
Our services are intended for adults aged 18 and older. We do not knowingly collect personal information from individuals under the age of 18. If we become aware that a minor has submitted information, we will delete it promptly.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The “Last Updated” date at the top of this page will reflect any revisions. We encourage you to review this policy periodically.
12. Contact Us
For privacy-related questions, concerns, or requests:
Email: privacy@mapleloanhub.ca Website: mapleloanhub.ca/contact
You can also contact the Office of the Privacy Commissioner of Canada at priv.gc.ca if you have an unresolved privacy concern.