Novis (“Novis”, “we”, “us”, or “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information when you use our website, forms, and related services (the “Services”).
This Privacy Policy is intended for individuals using Novis in connection with mortgage-related inquiries in British Columbia, Canada.
1.What We Do
Novis provides an intake and introduction service for mortgage-related inquiries. We collect information you submit, organize your request, and share it with a licensed mortgage professional or licensed mortgage brokerage partner so they can contact you and discuss your mortgage options.
2.Information We Collect
We collect information you provide directly to us, such as:
A. Contact Information
- First name / last name (if requested)
- Phone number
- Email address
- Preferred contact method and contact time (if provided)
B. Inquiry Information (examples)
- Where you are in your home-buying journey (e.g., just starting / found a home)
- General mortgage goals (e.g., affordability, monthly payment, next steps)
- Approximate property price or price range
- Approximate down payment range
- Approximate timeline to buy
- General location (e.g., city/province)
- Other details you choose to include in free-text fields (if any)
C. Technical / Usage Information
We may collect limited technical information automatically, such as:
- IP address
- Browser/device type
- Pages visited
- Date/time of access
- Referring page / campaign source
- Cookie or analytics identifiers (if used)
3.Information We Ask You Not to Submit at This Stage
Please do not submit highly sensitive information through the initial Novis form unless specifically requested through a secure process by a licensed mortgage professional, including:
- Social Insurance Number (SIN)
- Bank account or credit card information
- Government ID numbers
- Passwords
- Full financial account statements
If you submit this information through the initial form by mistake, contact us immediately at admin@novis.ca.
4.How We Use Personal Information
We use personal information for the following purposes:
- to receive and process your inquiry;
- to determine which licensed mortgage partner is appropriate for your inquiry;
- to share your inquiry with a licensed mortgage professional or licensed mortgage brokerage partner so they can contact you;
- to communicate with you about your inquiry (if needed);
- to operate, maintain, and improve the Services;
- to detect misuse, fraud, or security incidents;
- to comply with legal, regulatory, and recordkeeping requirements.
5.Consent
By submitting your information through the Services, you consent to our collection, use, and disclosure of your personal information for the purposes described in this Privacy Policy, including sharing your inquiry with a licensed mortgage professional or licensed mortgage brokerage partner for follow-up.
Where required by law, we will request additional consent for certain communications or uses.
You may withdraw your consent to certain uses of your personal information, subject to legal or contractual restrictions and reasonable notice. Withdrawal may affect our ability to process or continue your inquiry.
6.How We Share Information
We may disclose your personal information to:
A. Licensed Mortgage Partner(s)
We share your inquiry information with the licensed mortgage professional and/or licensed mortgage brokerage partner(s) that handle your request so they can contact you and provide mortgage-related assistance.
B. Service Providers
We may use third-party service providers to support our operations (for example, website hosting, cloud infrastructure, analytics, communications tools, CRM systems, and form processing). These providers are authorized to access personal information only as needed to perform services for us.
C. Legal / Compliance
We may disclose personal information where required or permitted by law, including to comply with legal processes, regulatory requests, or to protect our rights, safety, and security.
We do not sell personal information for monetary consideration.
7.Communications and Marketing (Email/Text)
If you provide your contact information, we and/or our licensed mortgage partner may contact you regarding your mortgage inquiry.
If we send commercial electronic messages (such as promotional emails or texts), we will do so in accordance with applicable Canadian laws, including consent and unsubscribe requirements, where applicable.
You can unsubscribe from marketing emails at any time by using the unsubscribe link in the message or contacting us at admin@novis.ca. Transactional or inquiry-related communications may still be sent where permitted.
8.Cookies and Analytics
We may use cookies and similar technologies to:
- operate the website,
- analyze traffic and user interactions,
- improve performance and user experience, and
- measure campaign effectiveness.
You can control cookies through your browser settings. Disabling cookies may affect some functionality.
We may use the following analytics or advertising tools:
- Google Analytics
- Meta Pixel
9.Retention
We retain personal information only for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, including to:
- process and route your inquiry,
- support business records and dispute handling,
- comply with legal, regulatory, tax, and accounting obligations.
Retention periods may vary depending on the type of information and legal requirements.
10.Security
We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration, or destruction.
However, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.
11.Cross-Border Storage / Processing
Your personal information may be stored or processed by us or our service providers outside British Columbia (including elsewhere in Canada or other jurisdictions), where privacy laws may differ. When we use service providers, we take reasonable steps to require appropriate safeguards.
12.Your Privacy Rights (BC / Canada)
Subject to applicable law, you may request access to or correction of your personal information in our custody or control by contacting us at admin@novis.ca.
You may also ask questions about our privacy practices or how your information is collected, used, or disclosed.
13.Children
The Services are not intended for individuals under the age of majority in their province/territory. We do not knowingly collect personal information from minors through the Services.
14.Changes to this Privacy Policy
We may update this Privacy Policy from time to time. We will post the updated version on this page and revise the “Last Updated” date. Your continued use of the Services after changes are posted indicates acceptance of the updated Privacy Policy, to the extent permitted by law.