App privacy — Mortgage Caddy

Mortgage Caddy and your information

Effective October 1, 2026. Mortgage Caddy is published by Healthstars Technologies Inc. This policy covers the app. We process account and contact details, mortgage and financial answers, documents and images you supply, and application and conversation records to provide the features you use. These records are associated with your account and can contain sensitive financial or identity information.

Your account and the shared service

Mortgage Caddy and WBF use the same account and mortgage service on Supabase. When you sign in to both apps with the same account, the same authorized mortgage information may be available in each. Changing your password or deleting the shared account affects both apps. If you choose Apple or Google sign-in, the sign-in service uses the account identifier and basic profile information the provider supplies to authenticate you. Sign-in sessions are saved on your device. Signing out or uninstalling Mortgage Caddy does not delete your account.

Optional AI assistance

If you allow AI assistance, relevant saved mortgage details, conversation messages and documents you choose to analyze are sent through the service to Anthropic to extract information and prepare AI replies. Specialist conversations can also use AI assistance. Review and correct extracted details and AI answers before relying on them. AI permission is separate from permission to share documents with a specialist. Anthropic processes the information under its applicable commercial service terms; we do not promise zero retention or that all processing stays in Canada.

Your specialist and documents

Uploading a document does not itself authorize a specialist to receive it. Review the named specialist and the information and documents selected before confirming a new contact or sharing action. Existing authorized sharing remains associated with the relationship you previously confirmed. Changing access in the app cannot recall a copy a recipient has already downloaded or separately retained.

Permissions, notifications and AI choices

Camera, photo and notification permissions are requested when relevant and can be managed in your device settings. Notifications are optional. If enabled, the service links an installation push token to your account and sends notification content through Expo and the relevant Apple or Google delivery service. You can change AI permission in Profile for future Caddy actions in this installation. This does not recall information already processed or change activity initiated in WBF. Without AI permission, you can use manual answers and private document storage and read existing conversations; AI-dependent chat and contact sends require permission.

Usage and operating records

When certain financial results are displayed, the service records the screen viewed, your account identifier, related assessment or referral identifiers, displayed product identifiers and associated display metadata. These records support diagnosis of the results displayed and are linked to your account. Operating the online service also creates request and error logs; processing errors can include limited processing output.

Where information is processed

The shared Supabase project is hosted in the United States. The service also uses providers such as Anthropic and Expo, so information may be processed outside your province or Canada and be subject to the laws where it is processed.

Retention and deletion

We keep account, application, conversation and document information while your shared account is active and as needed to provide the service. Financial-result display records are scheduled for deletion after 90 days and are removed earlier through successful account deletion. A deletion request removes managed account records and files through the shared service; the app reports partial completion or required support action. Backup and operational records are not necessarily removed at the same time as active account data. Information already received by a specialist or retained by a provider for its safety or legal obligations may remain subject to that recipient’s applicable retention rules.

Account controls and privacy support

You can review and edit supplied answers and request deletion in Profile. Deletion concerns the shared Mortgage Caddy/WBF account. Removing the app alone does not remove server records. For access, correction, privacy questions or help with deletion, contact Healthstars Technologies Inc. at help@mymortgagecaddy.com. Avoid sending financial documents in your initial email.