Last Updated: October 31, 2025
ValueHub Inc. (in this Policy, "ValueHub "/"we"/"us") is committed to protecting your privacy. This privacy
policy (the "Privacy Policy") applies to the ValueHub website, www.valuehub.blog (the "Website") together
with our services as further described in our terms of use (the "Services"). The Privacy Policy describes
our practices and procedures with respect to privacy and how we collect, store, use and distribute
information about our users ("you") through the Website and Services.
Accountability
We maintain internal practices and procedures to ensure that we comply with this Privacy Policy as well as
update it as our offerings and activities change. We endeavour to maintain, and periodically update,
practices and procedures that:
- Define the purposes of our collection of your Personal Information;
- Obtain valid and meaningful consent for that collection;
- Limit collection, use and disclosure of your Personal Information;
- Ensure your personal information is correct, complete and current;
- Ensure security measures are adequate to protect your Personal Information;
- Maintain a retention and destruction timetable;
- Respond to complaints, inquiries and requests to access your Personal Information;
- Address breach and incident-management protocols;
- Assess potential risks to your Personal Information;
- Ensure third-parties only use Personal Information in accordance with this Privacy Policy; and
- Deliver appropriate privacy training for our employees.
Identifying Purposes
Ultimately, we use your Personal Information to provide you with the Services.
We aim to collect, use and disclose only such information as is required to enable us to manage your
account, to provide the Services, to maintain our customer/user lists, to respond to your inquiries or
provide feedback, for identification and authentication purposes, and for service improvement.
More specifically, the purposes for which we collect, use, and disclose your Personal Information are
listed in the Use and Disclosure Section below. Generally, the purposes are to:
- provide you with our products and services, including through third-party suppliers;
- better understand your needs and preferences;
- maintain responsible commercial relations with you;
- determine your eligibility for products and services and recommend products and services to you;
- develop and enhance our products and services;
- market products and services that may be of interest to you;
- manage our business operations;
- detect, suppress or prevent fraud and manage and secure our networks; and
- meet our legal and regulatory obligations.
Consent
When you use the Service, your consent to the collection, use, and disclosure of Personal Information as
described in this Privacy Policy will be implied in certain circumstances, most often when you willingly and
intentionally provide us with your personal information, including directly in writing or electronically,
for a specific stated purpose.
We also rely on third parties for your consent when you access the Services using devices or software that
you have disclosed your personal information to, and those services are permitted to disclose it to us.
We may also seek your express consent to the collection, use or disclosure of your personal information.
Most often, we will seek your express consent when it is highly sensitive or required for a new purpose. We
may obtain your consent by your checking of a box, your acquiescence to an agreement or your taking another
affirmative action.
Information
Two types of information may be collected through the Website and our Services: Personal Information and
Website Information.
"Personal Information" is personally identifiable information, such as your name, address,
e-mail address, credit card information, address, birth date and gender. At the time of collection, we will
clearly identify the Personal Information being collected and the purposes for which it will be used.
"Website Information" is information we collect when you visit our Website, such as an
Internet Protocol Address (IP Address), the domain used to access the Website, and the type and version of
browser or operating system being used by visitors to the Website.
Collection
We may collect Personal Information in respect of the Website through a registration process, request form
submissions, financial product and service quote inquiries, communications with you, user support, online
tools, and expert advice services.
We also collect aggregate information, such as demographic statistics of our users (e.g. average age or
geographical allocation of our users), number of visitors, what pages users access or visit, and average
time spent on the Website. Similarly, business contact information such as the name, title, business
address, or telephone number of a business or professional person or an employee of an organization is not
considered Personal Information when such information is used for the purposes of contacting the individual
in their business/professional capacity.
In addition to the Personal information we collect directly from you, we also work with third parties to
more fully understand your journey from requesting a quote to receiving a financial product. This
information received from third parties is collected in accordance with that party's privacy policies and
may include: date of approval for the financial product, the policy type of product, the finalized value,
and whether and what other products may have been bundled with the product you inquired about.
Use and Disclosure
We use and disclose your Personal Information for the following purposes:
Account Registration: You may be asked to register for an account to use the Services. If
you choose to register for an account you must provide certain Personal Information to us such as your full
name, address and email address. Unless disclosure is necessary to provide you other aspects of the Services
you request, or as otherwise detailed in this Privacy Policy, none of your account registration information
will be disclosed to third-parties.
Request Forms: If you request more information about a certain third-party product or
service listed on our Website you may be required to input certain Personal Information, such as name,
contact information, address, and certain other information depending on the nature of the third party
product or service you are interested in. If you submit such a request form, we will send the information
contained in the form to the applicable third party offering the product or service. Any Personal
Information that we provide to third parties will be treated in accordance with the terms of such third
party's own privacy policies, which you should read.
Online Tools: As part of the Services, we may offer tools such as a mortgage calculator,
Canada child benefit calculator, RESP calculator, TFSA Room calculator, and credit card finder. If you use
these tools, we collect the Personal Information you provide (such as your income, RESP balance, credit
score, etc.) in order to provide you with the features and functions of the tools.
Insurance Quotes: If you request an insurance quote, we collect either your postal code or
province and may automatically redirect you to a third-party website, hosted by one of our insurance
provider partners. Except for your location, any information you submit in the insurance quote process will
be submitted directly to such third-party provider, and not to us. Your Personal Information will be treated
in accordance with the privacy policy of the applicable third-party insurance provider. We may also offer
you the ability to obtain an insurance quote directly from ValueHub by providing Personal Information on the
Website. We collect this information so that we can obtain an accurate quote from our third-party insurance
partners, and to contact you about your quote.
Auto Insurance: If you request a quote for auto insurance on the Website, we collect
Personal Information related to the driver like date of birth, sex, marital status, job status, driving
history, licence class, insurance status, name of current insurer, price of current insurance per month,
details regarding any accidents or insurance violations the driver and details about the vehicle include the
year, make and model, and number of kilometers driven per year. Necessarily, we will have to disclose this
information to auto insurance companies, brokers, or other parties to get you a quote.
Home Insurance: If you request a quote for home insurance, we collect information such as
details regarding your property like address, type of property, and mortgages on the property; Personal
Information about the occupant such as first and last name, date of birth, job status, years of property
insurance, email address, and damage claims history, occupation and rental information); and property
construction details like year property was built, type of exterior, number of bathrooms, property's
estimated replacement cost, and square footage.
Life Insurance: If you request a quote for life insurance, we collect information such as
details regarding the applicant's coverage needs such as type of coverage, coverage amount, and optional
insurance products; and Personal Information about the applicant like first and last name, date of birth,
location, sex, smoking habits, email address, and phone number.
Mortgage Application: If you complete a mortgage application form on the Website, we
collect Personal Information including your first and last name, email address, phone number, province, date
of birth, address history, annual income, financial institution, employment status and other
employment-related information, and financial assets. We will also obtain your consent to obtain your credit
report from a credit reporting agency. We share your credit report and other information provided on your
application form with potential mortgage lenders so that they can assess your eligibility for a mortgage,
and we may also share information with financial intermediaries and mortgage insurers as necessary to offer
and provide services to you. Your credit report may include information such as the types and amounts of
credit advanced to you, payment histories, negative banking items, collection actions, legal proceedings,
previous bankruptcies and other information reported by your creditors. You will have authorized credit
reporting agencies to provide such information to us. If we are unable to obtain your credit report based on
your name, date of birth and mailing address alone, we may request you to provide other information, such as
your social insurance number, on an optional basis which we will use to help us identify you with a credit
reporting agency.
Credit Reports: Credit Information: For certain Services, we will obtain credit reporting
information concerning you, including Personal Information. We use this credit reporting information to
pre-qualify you for various financial products and services that may be of interest to you; we do not
disclose this credit reporting information to you. For us to obtain the credit reporting information, we
collect certain Personal Information from you and share it with the credit reporting agency. Such Personal
Information may include: your name, email address, date of birth, annual income, phone number, social
insurance number, and address. We disclose this Personal Information to our partner credit reporting agency
– TransUnion. TransUnion, in turn, provides us with the credit reporting information about you to assess
your qualification for financial products and services that may be of interest to you. This process will not
affect your credit score. This process may be repeated with each inquiry you make about a financial product
or service. We may also use the personal information you provide for obtaining the credit reporting
information for other purposes, including analytics. TransUnion may use this Personal Information for their
own purposes as detailed in TransUnion's terms of service and privacy policy.
Credit Card Applications: We may also use and disclose your Personal Information to
facilitate your applications for credit cards on our Website. We will collect Personal Information such as:
first and last name, email address, phone number, date of birth, address and address history, annual income,
employment status and other employment information, financial assets, and social insurance number. We may
either collect this information and disclose it to a specific credit card provider, or use the information
to assess the best credit card for you and provide the information to the applicable credit card providers.
Location Information: Certain third-party products and services are only available in
certain areas, and therefore we may ask for your location, either by requesting your postal code, province,
city, and/or address or by using Website Information.
Transactional Notifications: We provide notifications for certain activities relating to
your use of our Services despite your indicated e-mail preferences, for example we may send you notices of
any updates to our Terms of Use or Privacy Policy.
Marketing Communications and Product Recommendations: If you sign-up to receive marketing
communications from us, we collect your name and email address to send you information about our product and
services and those of our partners that may be of interest to you. We may also use the information we have
about you as well as information obtained from third parties to provide you with personalized product
recommendations on the Website. You may withdraw your consent to receiving marketing communications or
product recommendations from us at any time by following the opt-out instructions in each communication, or
by contacting our customer service department at [email protected].
Statistics: We also collect statistics about your use of third-party products and services
that you request information about through the Website. This information will be kept confidential, however,
aggregate statistics that do not personally identify an individual will be kept by us and such aggregate
statistics may be made available to other members or third parties.
Cookies and other Website Technologies: Cookies are used by us to track content usage and
traffic on the Website. A cookie is a feature of your web browser that consists of a text file that is
placed on your hard disk by a web server. The Website uses cookies to help it compile aggregate statistics
about usage of this Website, such as how many users visit the Website, how long users spend viewing the
Website, and what pages are viewed most often, and what pages users may visit directly after leaving the
Website. This information is used to improve the content of the Website and to provide and improve the
Services. You can set your browser to notify you when you are sent a cookie. This gives you the chance to
decide whether or not to accept it. If you disable cookies, you may not be able to take advantage of all the
features of the Website. Our Website may also use a technology called tracer tags, pixel tags or web
beacons. This technology allows us to understand which pages you visit on our Website and are used to help
us optimize and tailor our Website for you and other future visitors to our Website.
IP address: Your IP address is reported by your web browser whenever you visit a page on
the Website. This information is recorded together with your registration information on our databases. We
use this information to improve our Services.
Analytics: We may use third party software such as Google Analytics to help us gather and
analyze information about the areas visited on the Website (such as the pages most read, time spent, search
terms and other engagement data) in order to evaluate and improve the user experience and the Website. For
more information or to opt-out using the Google Analytics opt-out browser add-on, see "How Google uses data
when you use our partners' sites or apps" and "Google Analytics and Privacy".
Interest-Based Advertising: Advertisements appearing on the Website may be delivered by us
or one or more third-party web advertisers. We may allow these third-party web advertisers to set cookies or
other similar technologies on the Website that collect information about you, including Website Information.
As the information is collected on the Website, strictly speaking, we disclose this information to the
advertiser. These cookies allow the advertisement server operated by that third party to recognize your
computer each time they send you an online advertisement. Accordingly, advertisement servers may compile
information about where or whether you viewed their advertisements and which advertisements you clicked on.
This information allows web advertisers to deliver targeted advertisements that they believe will be of most
interest to you.
Improving our User Experience: We may also use the Personal Information you provide us to
access other Personal Information available about you from third parties, in which case the information
about you we access from third-parties was collected in accordance with that third-party's privacy policies.
For example, if you seek an auto insurance quote from us, we may access your driving and insurance history
from a third-party provider. We also work with third-parties such as ad networks and other advertising
companies that use their own tracking technologies, including cookies and pixel tags, on our Website in
order to provide you with tailored advertisements on our Website and across the Internet. These companies
may collect information about your activity on our Website and third-party websites (such as web pages you
visit and your interaction with our advertising and other communications) and use this information to make
predictions about your preferences, develop personalized content and deliver ads that are more relevant to
you on third party websites. This information may also be used to evaluate the effectiveness of our online
advertising campaigns.
We disclose your Personal Information solely to carry out the purposes listed above. We engage third
parties to directly provide the services underlying the above purposes as service providers to: improve our
Website, host our Website, provide advertising services, provide email marketing services, provide cloud
services, and engage in analytics for advertising services. These third parties may have limited access to
databases of user information solely for those purposes and they will be subject to contractual restrictions
prohibiting them from using the information for any other purpose.
If we plan to use your Personal Information in the future for any other purposes not identified above, we
will only do so after updating this Privacy Policy. See further the section of this Privacy Policy entitled
'Amendment of this Policy'.
We may disclose your Personal Information to third parties without your consent if we have reason to
believe that disclosing this information is necessary to identify, contact, or bring legal action against
someone who may be causing injury to or interference with (either intentionally or unintentionally) our
rights or property, other Website users, other users of the Services, or anyone else that could be harmed by
such activities. We may disclose Personal Information when we believe in good faith that such disclosure is
required or permitted by and in accordance with applicable law.
We may also disclose your Personal Information in connection with a corporate re-organization, a merger or
amalgamation with another entity, a sale of all or a substantial portion of our assets or stock, including
any due diligence exercise carried out in relation to the same, provided that the information disclosed
continues to be used for the purposes permitted by this Privacy Policy by the entity acquiring the
information (or as otherwise consented to).
Opting Out
You may withdraw your consent to our collection, use, or disclosure of your Personal Information at any
time. However, withdrawing consent may result in your inability to continue using all the features available
on the Website and/or the Services.
For more information about interest-based advertising and to understand your options, including how you can
opt-out of receiving behavioural ads from third-party advertising companies participating in the Digital
Advertising Alliance of Canada, please visit the Digital Advertising Alliance of Canada website at
http://youradchoices.ca/choices. Please note that even if you opt-out of interest-based advertising by a
third party, these tracking technologies may still collect data for other purposes including analytics and
you will still see ads from us, but the ads will not be targeted based on behavioural information about you
and may therefore be less relevant to you and your interests. To opt out, you must have cookies enabled in
your web browser. To do this, see your browser's instructions for information on cookies and how to enable
them. When you opt-out, it only applies to the web browser you use so you must opt-out of each web browser
on each computer you use. Once you opt out, if you delete your browser's saved cookies, you will need to
opt-out again.
Protecting your Information
The security of your Personal Information is important to us. We have put in place contractual and other
organizational safeguards with our agents and service providers to ensure a proper level of protection of
your Personal Information. In addition to those measures, we will not disclose or transfer your Personal
Information to third parties except as specified in this Privacy Policy.
Our servers (and certain service providers) are also located in Canada and accordingly your Personal
Information may be available to the Canadian government or its agencies under a lawful order, irrespective
of the safeguards we have put in place for the protection of your Personal Information.
We use commercially reasonable efforts to store and maintain your Personal Information in a secure
environment. We take technical, contractual, administrative, and physical security steps designed to protect
Personal Information that you provide to us. We have implemented procedures designed to limit the
dissemination of your Personal Information to only such designated staff as are reasonably necessary to
carry out the stated purposes we have communicated to you.
You are also responsible for helping to protect the security of your Personal Information. For instance,
never give out your email account information or your password for the Services to third parties.
We will maintain the confidentiality of any contact information you provide to us when you sign up for our
Services, marketing communications, or contact us with questions or for further information and we will use
it only for the purposes for which we have collected it (subject to the exclusions and disclosures we have
listed in this Privacy Policy), unless you agree that we may disclose it to other third parties.
Retention
We will keep your Personal Information for as long as it remains necessary for the purposes mentioned above
or as required by law, which may extend beyond the termination of our relationship with you. We may retain
certain data as necessary to prevent fraud or future abuse, or for legitimate business purposes, such as
analysis of aggregated, non-personally-identifiable data, account recovery, or if required by law. All
retained personal information will remain subject to the terms of this Privacy Policy. If you request that
your name be removed from our databases, it may not be possible to completely delete all your Personal
Information due to technological and legal constraints.
Access and Accuracy
You have the right to access the Personal Information we hold about you in order to verify the Personal
Information we have collected in respect to you and to have a general account of our uses of that
information. Upon receipt of your written request, we will provide you with a copy of your Personal
Information although in certain limited circumstances, we may not be able to make all relevant information
available to you such as where that information also pertains to another user. In such circumstances we will
provide reasons for the denial to you upon request. We will endeavor to deal with all requests for access
and modifications in a timely manner. We will make every reasonable effort to keep your Personal Information
accurate and up-to-date, and we will provide you with mechanisms to update, correct, delete or add to your
Personal Information as appropriate. This amended Personal Information will be transmitted to those parties
to which we are permitted to disclose your information. Having accurate Personal Information about you
enables us to give you the best possible service.
Quebec Residents
If you are a user who is also a resident of Quebec, you have specific rights with respect to your Personal
Information by virtue of the Act Respecting the Protection of Personal Information in the Private Sector, as
amended by Law 25 and we are committed to upholding those rights. Accordingly, we have appointed a Person in
Charge of Personal Information (the "PCPI"), who can be contacted by emailing [email protected]. The PCPI is the individual
ultimately responsible for ensuring our compliance with all rules, regulations, and laws with respect to
Personal Information in Quebec. In addition to the PCPI, we will be implementing Privacy Impact Assessments
whenever we implement a new Information or Electronic Service Delivery System and whenever a new
relationship is set up that could involve your Personal Information being disclosed to a third party outside
Quebec. At present, the Personal Information of Quebec residents is disclosed outside Quebec in certain
circumstances, these include:
- During normal business operations when Personal Information is accessed and used by us, for the purposes
already identified in this Policy, but our workforce is located outside Quebec; and
- To share the Personal Information that you provide to us with a third party to offer you a product or
service you have requested.
We also recognize that Quebec users have certain rights with respect to their Personal Information. You are
entitled to exercise these rights and they include:
- Access and Rectification: you may request access to any Personal Information in our
possession and ask to correct it if it is inaccurate, incomplete, or equivocal.
- Control of Dissemination: you can request that we stop disseminating your Personal
Information or de-index any hyperlink providing access to your Personal Information.
- Data Portability: by the Fall of 2024, you will have the right to request that we give
you a copy of the computerized PI that we have in our possession.
We will respond to these requests in the time allotted by the Commission – usually 30 days.
Amendment of this Policy
We reserve the right to change this Privacy Policy at any time. If we decide to change this Privacy Policy
in the future, we may post an appropriate notice on the home page at www.valuehub.blog, especially if the
change is material. Any change to this Privacy Policy will become effective on the date the change is
posted. Unless stated otherwise, our current Privacy Policy applies to all Personal Information that we have
about you. The date on which the latest update was made is indicated below. We recommend that you print a
copy of this Privacy Policy for your reference and revisit this policy from time to time to ensure you are
aware of any changes.
Contact Us
You can help by keeping us informed of any changes such as a change of address or telephone number. If you
would like to access your information, if you have any questions, comments or suggestions, if you find any
errors in our information about you, or for more information on the manner in which we or our service
providers use your Personal Information, please contact our customer service team at: [email protected].