Privacy Policy
Last updated: November 24, 2025

1. Introduction
   Welcome to the website operated by Kristi Hyson (“we”, “us”, “our”). We are committed to protecting your privacy and ensuring you have a positive experience when visiting our website kristihyson.com (the “Website”). This Privacy Policy explains how we collect, use, disclose and protect your personal information when you access or use the Website.

By using the Website, you agree to the collection and use of information in accordance with this policy.

2. Who we are
   We are a mortgage broker based in Calgary, Alberta, providing mortgage solutions including refinancing, credit restructuring, private lending, etc.
   Our contact details:

• Email: kristi@kristihyson.com
  
  
• Phone: 403-471-5884
  
  
• Address: 223 14 Street NW, Calgary AB T2N 1Z6 (Head Office of our brokerage)

We encourage you to contact us if you have any questions or concerns about this policy.

3. What personal information we collect
   We may collect and process the following types of personal information when you interact with our Website or services:

• Information you provide voluntarily, such as your name, email address, phone number, mailing address, when you fill in a contact/enquiry form, request a consultation, submit a mortgage application or otherwise communicate with us.
  
  
• Information automatically collected when you use the Website, such as your IP address, browser type, operating system, referring pages, pages visited, time and date of visit, and other standard website usage data (via cookies or similar tracking technologies).
  
  
• Depending on your engagement with our services (e.g., mortgage application) additional financial or credit-related information may be collected (always subject to separate consents and applicable laws).
  
  

4. How we use your personal information
   We use your personal information for the following purposes:

• To respond to your enquiries, provide you with mortgage advice, services and information you request.
  
  
• To process applications and facilitate the services we provide (e.g., refinancing, credit restructuring, private lending).
  
  
• To keep you informed about service updates, new products or relevant information (subject to your consent where required).
  
  
• To improve the Website, monitor use, perform analytics, and enhance our user experience.
  
  
• To comply with legal, regulatory, audit and brokerage compliance obligations.
  
  

5. Disclosure of your personal information
   We will not sell your personal information. We may disclose your personal information in the following circumstances:

• To our affiliated brokerage, lenders, service providers or other third-parties necessary to process your mortgage or financing request (subject to your consent and applicable regulations).
  
  
• Where required or permitted by law, e.g., to law enforcement, regulatory authorities, courts, or auditors.
  
  
• In the event of a business transaction, such as merger or sale of assets, we may transfer personal information to the acquiring entity, provided that entity agrees to use the information in accordance with this policy.
  
  

6. Cookies and tracking technologies
   We use cookies and similar tracking technologies to collect standard website usage information. Cookies help us track how you interact with our Website, improve the Website’s functionality, and enhance your user experience. You may set your browser to refuse cookies or alert you when they are being sent. However, some features of the Website may not function properly if cookies are disabled.
7. Security of your personal information
   We maintain administrative, technical and physical safeguards to protect personal information under our control from unauthorized access, disclosure, alteration or destruction. While we strive to protect your personal information, no method of transmission over the internet or electronic storage is 100% secure — so we cannot guarantee absolute security.
8. Retention of your personal information
   We will retain your personal information only as long as necessary to fulfil the purposes for which we collected it, comply with our legal obligations, resolve disputes or enforce agreements. When personal information is no longer needed, we will securely destroy or anonymize it.
9. Your rights and choices
   Depending on applicable law, you may have the following rights:

• The right to access your personal information that we hold and request a copy.
  
  
• The right to request correction of inaccurate or incomplete personal information.
  
  
• The right to request deletion or anonymization of your personal information, subject to legal or contractual limitations.
  
  
• The right to withdraw consent (where consent was the basis for processing) or to object to certain processing activities.
  
  
• The right to receive certain personal information in a portable format (data portability).
  If you wish to exercise any of these rights, please contact us at the email address above. We may ask you to verify your identity before acting on your request. We will respond within the time frame required by law.
  
  

10. International transfers
    If you access the Website from outside Canada, please be aware that your information may be transferred to and stored on servers located in Canada (or elsewhere), and processed by staff operating in Canada or other jurisdictions. By using the Website and submitting personal information, you consent to this transfer, storage or processing. Where applicable, we will ensure appropriate safeguards are in place to protect your personal information.
11. Children’s privacy
    Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you are a parent or guardian and you believe your child has provided us with personal information, please contact us so we can delete such information.
12. Links to other websites
    Our Website may contain links to other websites operated by third parties. This Privacy Policy applies only to our Website. We encourage you to review the privacy practices of any external websites you visit. We are not responsible for the content or practices of any third-party sites.
13. Changes to this Privacy Policy
    We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date at the top. We encourage you to review this page periodically. Your continued use of the Website after changes are posted constitutes your acceptance of the revised policy.
14. Contact us
    If you have questions or concerns about this Privacy Policy or our privacy practices, please contact:
    Email: kristi@kristihyson.com
    Phone: 403-471-5884
    Address: 223 14 Street NW, Calgary, AB T2N 1Z6

Thank you for visiting our Website and trusting us with your information.