Privacy Policy
Last updated: October 12, 2026
The short version
- We collect what we need to answer your questions, take your application and connect you with a licensed professional.
- A credit check only happens if you tick the box to allow it. It's a soft check, which doesn't affect your credit score.
- Your credit report stays with QuoteShack. We don't share it, or anything taken from it, with agents, lenders or dealerships.
- We don't sell your personal information.
- You can ask to see, correct or delete your information at any time. Here’s how.
1. Who we are
MeetQuoteShack Inc. ("QuoteShack", "we", "us") runs meetquoteshack.com, the app at app.meetquoteshack.com and Meet, our AI assistant. Meet answers website chats, texts, phone calls, and Facebook Messenger and Instagram direct messages for mortgage agents, brokers and loan officers, and for QuoteShack itself.
We follow Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and British Columbia's Personal Information Protection Act (PIPA), along with any other privacy laws that apply where you live.
2. Who this policy covers
- Borrowers and applicants: people who chat, text or speak with Meet, message our Facebook Page or Instagram account, fill in a Facebook or Google ad form, or fill in an application.
- Agents and business customers: mortgage agents, brokers, loan officers and other businesses that subscribe to Meet.
- Website visitors: anyone browsing meetquoteshack.com.
When you talk to Meet on an agent's website or phone line, that agent is also responsible for how they use your information. QuoteShack handles it under this policy.
3. What we collect
From borrowers and applicants
| Type | Examples |
|---|---|
| Contact details | Name, email, phone number, address, years at your address |
| Identity | Date of birth. If you choose to verify your ID, a photo of your ID and a selfie, handled by Stripe Identity (see section 6). |
| Employment and income | Employer, job title, time in the job, income, other income |
| Expenses and debts | Loan payments, credit card and line-of-credit balances, rent or housing costs |
| Loan details | The type and amount of loan, the property or vehicle, your down payment |
| Documents | Pay stubs, tax documents, bank statements and other files you upload |
| Conversations | What you write to Meet, text messages, and a written transcript of phone calls with Meet. We don't keep audio recordings of calls. |
| Credit information | Only if you allow it: a soft check of your TransUnion credit file (see section 5) |
| Facebook and Instagram | If you message us on Messenger or Instagram, or fill in one of our Facebook lead forms: your name, your profile ID for our Page, your messages, and the answers you give on the form |
| Consents | What you agreed to and when, for example contact, credit check, marketing and insurance referrals |
From agents and business customers
Your name, email and phone number. Your brokerage and licence details, which we use to check your licence with your provincial regulator. Calendar and booking connections you set up. Your billing details, which Stripe handles; we never see your full card number.
From website visitors
Basic technical information such as your browser type, pages visited and IP address, used to run and secure the site. We use only the cookies needed to make the site and the app work.
4. How we use it
- To answer your questions, and to take and process your application.
- To give you a non-binding estimate of where you stand. It isn't a credit decision, a pre-approval or an offer of credit.
- To connect you with a licensed agent and book appointments.
- To collect and check your documents and verify your identity.
- To prepare a QuoteShack Risk Metrics Report for your agent. It is built from the information you gave us, not from your credit report.
- To send updates and reminders about your enquiry. We send marketing messages only if you agree, and you can unsubscribe at any time.
- To run, secure and improve our service, prevent fraud and meet our legal obligations.
5. Credit checks
If you tick the box allowing it, QuoteShack requests a soft inquiry from TransUnion. A soft inquiry doesn't affect your credit score.
- We use it only to work out which non-binding estimate and options to show you.
- We don't share your credit report, or any information taken from it, with agents, lenders, dealerships or any other third party.
- If you go ahead with a loan, the lender will run its own credit check with your permission.
- You can get a free copy of your credit report from TransUnion at transunion.ca.
- You can withdraw your consent for future credit checks at any time.
6. Who we share information with
We share only what's needed, and only for the purposes in this policy.
- Your agent or the professional helping you: your contact details, application answers, documents and the Risk Metrics Report. They never receive your credit report.
- Lenders: only through your agent, when you choose to apply.
- An insurance partner: only if you ask for an insurance quote and agree to the referral.
- Service providers that help us run Meet, under contracts that require them to protect your information:
| Provider | What they do |
|---|---|
| Vercel | Hosts our website and app, and stores uploaded documents (encrypted) |
| Neon | Database hosting |
| Anthropic | The AI model that powers Meet's conversations |
| Twilio | Text messages and phone calls |
| Resend | Sending email |
| Stripe | Agent billing, and ID verification (Stripe Identity) |
| TransUnion | Soft credit checks, only with your consent |
| Booking calendars (such as GoHighLevel / MyBrokerPro) | Booking appointments, when your agent uses one |
| Meta (Facebook and Instagram) | Receiving and replying to your Messenger and Instagram messages, and receiving Facebook lead form answers |
| Receiving Google Ads lead form answers, and keeping our contact list up to date | |
| Finmo | Sending your application to your agent’s mortgage software, when your agent uses it |
| Flinks | Bank account verification, only if you choose to connect your bank |
| Flodesk | Newsletters, only if you agree to receive them |
We may also share information if the law requires it, or to protect the rights and safety of our users or QuoteShack.
We don't sell personal information.
7. Where your information is stored
Some of our service providers store and process information outside Canada, including in the United States. Information held there may be subject to the laws of that country, including lawful access by its authorities.
8. How we protect it
Information is encrypted in transit. Uploaded documents and sensitive data are encrypted again before we store them. Access is limited to people who need it. Agents only see their own clients. Agents are verified against provincial licence registers before Meet sends them leads.
9. How long we keep it
We keep information only as long as we need it for the purposes above, or as the law requires. Then we delete it or make it anonymous.
| Information | How long we keep it |
|---|---|
| Applications, documents and pre-qualification reports | 7 years after your file closes |
| Credit check records | As long as our agreement with TransUnion and the law require |
| Chat, text, Messenger, Instagram and call transcripts | 2 years |
| Social Insurance Number (if you choose to give it) | Deleted after 90 days |
| Enquiries that don’t go ahead | 2 years after we last heard from you |
10. Your choices and rights
- Access and correction: ask to see the personal information we hold about you, and to correct it.
- Withdraw consent: for marketing, future credit checks or contact, subject to legal or contractual limits. Reply STOP to any text message to stop texts.
- Deletion: ask us to delete your information. See How to delete your data below.
- Complaints: contact our Privacy Officer first. You can also complain to the Office of the Privacy Commissioner of Canada or the Office of the Information and Privacy Commissioner for British Columbia.
How to delete your data
You can ask us to delete the information Meet holds about you at any time, however you talked to Meet, including Facebook Messenger, Instagram and Facebook lead forms.
- Email raj@meetquoteshack.com with the subject Delete my data.
- Tell us anything that helps us find you: your name, the email or phone number you gave Meet, or your Facebook or Instagram name.
- We confirm we got your request within 2 business days, and may ask a question to make sure it’s really you.
- We delete your information within 30 days and email you when it’s done.
If the law requires us to keep a record (for example, that a credit check was done with your permission), we keep only that record, lock it away from everyday use, and tell you what was kept and why. To stop Meet receiving new Facebook messages, you can also remove QuoteShack under Settings & privacy → Settings → Apps and websites on Facebook.
11. AI and automated processing
Meet is an AI assistant, and it tells you so. It answers questions and gathers information, but it doesn't make lending decisions. Estimates are worked out from set rules and are always non-binding. Licensed professionals and lenders make the decisions. AI can make mistakes, so please check anything important with your agent.
12. Children
Our services are for adults. We don't knowingly collect information from anyone under the age of majority in their province.
13. Changes to this policy
We may update this policy. We'll change the date at the top and, for significant changes, let affected users know.
14. Contact our Privacy Officer
MeetQuoteShack Admin, Privacy Officer
MeetQuoteShack Inc.
777 Hornby Street, Suite 600
Vancouver, BC V6Z 1S4
Email: raj@meetquoteshack.com