**Last Updated: May 5, 2025**


This privacy policy is intended to inform you about how personal information may be collected, used, and protected when you visit this site.


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### 0. Platform and Hosting

This website ([https://www.hypotheque-direct.com](https://www.hypotheque-direct.com)) is powered by the WelcomeSpaces platform, which enables professionals to create and manage their online presence. WelcomeSpaces provides the technical infrastructure, secure hosting, and some integrated communication tools (forms, appointment booking, chatbot, etc.).

To learn more about how WelcomeSpaces collects, uses, and protects personal information as part of its services, please consult their privacy policy: [https://www.welcomespaces.io/privacy-policy](https://www.welcomespaces.io/privacy-policy).

The site owner remains responsible for the content published, any additional tools they may integrate, and complying with applicable personal information protection laws.


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### 1. Personal Information Protection Officer

**Name:** Annik Vlachos

**Email:** avlachos@hypotheque-direct.com

**Phone:** (514) 803-4634



The owner of this site may also appoint an additional officer depending on the services added or integrated. Please refer to the customized section at the end of this document.


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### 2. Personal Information Collected

By default, this site may collect certain personal information in the following cases:



* **Contact form:** Information voluntarily submitted (name, email, message, etc.).
* **Appointment scheduling:** Name, contact details, and relevant information needed to schedule a meeting.
* **AI Chatbot:** This site uses a virtual assistant powered by artificial intelligence. \
  ➤ The personal information shared via the chatbot is not processed by the AI but is securely transmitted to private servers, where it is encrypted and protected. \
  ➤ This information is only sent to the site owner in order to respond to you or provide follow-up

No automated analysis is performed on this data for advertising or profiling purposes.



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### 3. Cookies

By default, this site only uses **strictly necessary cookies** for:



* Proper site functionality (e.g., language management – NEXT_LOCALE) \
* Server load balancing (e.g., AWSALB, AWSALBCORS) \
* Storing your consent preferences if a cookie banner is enabled (CookieScriptConsent) \

These cookies **do not personally identify visitors**.


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### 4. Tools and Scripts Added by the Site Owner

The site owner may choose to add external tools, such as:



* Google Analytics or other tracking services
* Advertising pixels (e.g., Facebook Pixel, Google Ads, LinkedIn Insight)
* External appointment scheduling services (e.g., Calendly)
* Custom plugins or scripts

**In such cases, the site owner is solely responsible for:**



* Adding a **cookie consent banner** (CMP) if these tools place non-essential cookies.
* Updating the customized section below to describe the tools used and data collected.
* Complying with applicable personal information protection laws (Law 25, PIPEDA, GDPR if applicable).


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### 5. Data Retention and Hosting
Data is hosted on secure servers located in Canada or in jurisdictions that meet applicable legal requirements. It is retained for as long as necessary to fulfill the purposes for which it was collected.


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### 6. Your Rights

In accordance with Law 25 and PIPEDA, you have the right to:



* Access your personal information
* Correct or request the deletion of this information
* Withdraw your consent
* File a complaint with the Commission d’accès à l’information of Québec

To exercise these rights, please contact the designated officer listed in Section 1.


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### 7. Changes

This policy may be updated at any time to reflect changes in legislation or site practices. The most recent version will always be accessible at this address.


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### 8. Additional Information Provided by the Site Owner

No additional information

Privacy Policy

Annik VlachosMortgage broker