Privacy Policy

1. Introduction

Ellen Abad ("we", "us", or "our") is a Licensed Mortgage Broker with 8Twelve Mortgage, a Licensed Life Insurance Broker and Branch Manager, and a former Certified Professional Accountant (CPA, not currently practicing). We respect your privacy and are committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit EllenAbad.ca or use our mortgage, life insurance, and financial services. We operate in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws in Nova Scotia.

2. Information We Collect

We may collect the following types of personal information:

• Contact information: name, email address, phone number, and mailing address.
• Financial information: income details, employment information, credit history, and mortgage-related data you provide through our tools and forms.
• Usage data: pages visited, time spent on the site, IP address, browser type, and device information.
• Communication records: messages, emails, and booking requests you send to us.

3. How We Use Your Information

We use your personal information to:

• Provide mortgage advisory services and life insurance advisory services, and respond to your inquiries.
• Process mortgage applications and pre-approvals through 8Twelve Mortgage.
• Provide life insurance quotes and policy servicing through Primerica.
• Schedule consultations and follow-up appointments.
• Send you relevant updates, newsletters, and service communications (you may opt out at any time).
• Improve our website, tools, and services.
• Comply with legal and regulatory obligations.

4. Sharing Your Information

We do not sell your personal information. We may share your information with trusted partners and service providers who assist us in operating our business, including lenders, insurance providers, and technology platforms — but only to the extent necessary to provide the services you request. These parties are required to protect your information in accordance with applicable privacy laws.

5. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this policy, comply with legal requirements, resolve disputes, and enforce our agreements. Mortgage records are retained in accordance with financial industry regulations.

6. Your Rights

You have the right to:

• Access the personal information we hold about you.
• Request corrections to inaccurate or incomplete information.
• Withdraw consent for marketing communications at any time.
• Request deletion of your personal information, subject to legal retention requirements.

To exercise any of these rights, contact us at hello@ellenabad.ca.

7. Security

We implement reasonable technical, organizational, and physical safeguards to protect your personal information. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

8. Cookies

Our website may use cookies and similar technologies to enhance your browsing experience, analyze site traffic, and remember your preferences. You can disable cookies in your browser settings, though some features may not function properly.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review their privacy policies before providing any personal information.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: