Privacy Policy for billkaralash.ca

Effective Date: July 29, 2025

This Privacy Policy explains how your personal information is collected, used, and protected when you visit or interact with billkaralash.ca. By using this website, you agree to the terms outlined below.

1. Who We Are:

This website is operated by Bill Karalash, a licensed Submortgage Broker in British Columbia License # - MB610235 , working under Breezeful Inc., a licensed mortgage brokerage in BC (License # MB610235).

2. What Information We Collect

We may collect the following types of personal information:

- Name

- Email address

- Phone number

- Mailing address

- Information related to your mortgage inquiry or application

- Browser and device information via cookies or analytics tools

3. How We Collect It

We collect personal information when you:

- Fill out a contact or inquiry form

- Request a consultation or quote

- Communicate with us via email, phone, or web forms

- Visit our website (via cookies and tracking tools such as Google Analytics)

4. How We Use Your Information

Your information may be used to:

- Respond to inquiries and provide mortgage-related services

- Submit mortgage applications through Breezeful Inc. and its lender partners

- Improve website functionality and user experience

- Fulfill legal and regulatory obligations

5. Who We Share Your Information With

Your information may be shared with:

- Breezeful Inc. (as your licensed brokerage)

- Lenders, insurers, credit bureaus, or legal entities as needed to provide mortgage services

- Legal or regulatory authorities if required by law

We do not sell your personal information to third parties.

6. Data Security

We implement industry-standard security measures including SSL encryption and secure server infrastructure. However, no data transmission over the internet is 100% secure.

7. Your Rights

You may:

- Request access to your personal information

- Request correction or deletion (subject to legal or contractual obligations)

- Withdraw consent to communications at any time

To make a request, contact us using the information below.

8. Cookies and Analytics

This site uses cookies and third-party tools (such as Google Analytics) to collect anonymized visitor data. This helps us improve performance and user experience. You can manage or disable cookies in your browser settings.

9. Contact Information

Bill Karalash

Licensed Submortgage Broker under Breezeful Inc.

Email: [email protected]

Phone: 604-265-5858

Website: https://billkaralash.ca

10. Changes to This Privacy Policy

This policy may be updated periodically. Any changes will be posted on this page with an updated “Effective Date.”

© 2025 Bill Karalash. All rights reserved.