Privacy Policy

    Last reviewed: April 20, 2026

    Key Takeaways

    • HomeCalc.ca collects almost no personal information. There are no user accounts, no logins, and no payment processing on this site.
    • We use Google Analytics and Google Search Console to measure aggregate traffic patterns — not individual behaviour.
    • We do not sell, rent, or trade personal information to anyone.
    • You can ask what personal information we hold about you, correct it, or request deletion — email TahmHami@gmail.com.
    • This policy covers obligations under Canada's PIPEDA and, for Quebec residents, Law 25 (modernized Act respecting the protection of personal information).

    Who we are

    HomeCalc.ca is operated by Hami Tahm, a sole proprietor based in Toronto, Ontario, Canada. For the purposes of Canadian privacy law, Hami Tahm is the person accountable for personal information handled by HomeCalc.ca — the “privacy officer” under PIPEDA.

    Contact: TahmHami@gmail.com — mark the subject line “Privacy”.

    What information we collect

    We collect as little personal information as possible. Specifically:

    You volunteer

    • Email address, if you send us a message at TahmHami@gmail.com or fill in a form.
    • Any information you include in the body of your message.

    Automatically, when you visit

    • IP address (anonymized for analytics — see “Analytics and cookies” below).
    • Device and browser information (type, operating system, screen size) — used by our hosting and analytics providers to serve the site correctly.
    • Pages visited, time on page, referring URL — aggregated for analytics.

    Not collected

    • We do not ask for your name, age, income, SIN, date of birth, or any personal financial information.
    • The values you enter into our calculators are processed in your browser and are not transmitted to HomeCalc.ca or stored by us.
    • We do not have user accounts, logins, passwords, or payment processing on this site.

    Why we collect it

    The information we collect is used for a short list of purposes:

    • Replying to you when you email us.
    • Understanding which pages are used and how, in aggregate, so we know where to improve the site.
    • Meeting legal and security requirements — for example, keeping server logs for a limited time to identify abuse or technical issues.

    We do not use personal information for advertising profiles, retargeting, or sale to third parties.

    Analytics and cookies

    HomeCalc.ca uses Google Analytics 4 to measure aggregate traffic patterns. Google Analytics uses cookies and similar technologies to collect information about how visitors use the site. We configure Google Analytics with IP anonymization enabled and we do not use Google Analytics for advertising or remarketing purposes.

    We also use Google Search Console, which collects search-related data (what queries led people to our site) but does not identify individual users.

    Cookies used:

    • _ga, _ga_* — Google Analytics, for measuring unique visitors.
    • Session cookies set by our hosting provider (Vercel) for performance and security.

    How to refuse cookies: You can disable cookies in your browser settings, or use a browser extension to block Google Analytics specifically. The site will function normally.

    Who we share information with

    We do not sell, rent, or trade personal information.

    We use a small number of service providers, each of which processes information only on our instructions:

    • Vercel — website hosting. Vercel may process IP addresses and request metadata as part of delivering the site.
    • Google (Analytics and Search Console) — aggregate traffic analytics.
    • Google Mail (Gmail) — receives email sent to TahmHami@gmail.com.
    • Supabase (if applicable) — data storage for site operations. No user PII is stored.

    We may disclose personal information where required by law — for example, in response to a valid court order or law enforcement request in Canada.

    How long we keep information

    • Emails you send us: retained as long as they remain useful for replying to you and for our records, typically under two years unless an ongoing matter requires longer.
    • Server logs: retained by our hosting provider for a limited period (typically 30 days) for security and debugging.
    • Google Analytics data: retained under Google's default 14-month window.

    You may ask us to delete email correspondence at any time by emailing TahmHami@gmail.com.

    Your rights under PIPEDA

    Under the federal Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

    • Know what personal information we hold about you.
    • Know how we use it and who it has been shared with.
    • Correct personal information that is inaccurate.
    • Withdraw consent to our use of your personal information, subject to legal limits.
    • Complain to the Privacy Commissioner of Canada if you believe we have not met our obligations — priv.gc.ca.

    To exercise any of these rights, email TahmHami@gmail.com with “Privacy request” in the subject line. We will respond within 30 days.

    Quebec residents (Law 25)

    If you are a resident of Quebec, the modernized Act respecting the protection of personal information in the private sector (Law 25) provides additional rights, including:

    • The right to data portability (receive personal information in a structured, commonly used format).
    • The right to request correction, de-indexation, or deletion in certain circumstances.
    • The right to be informed when personal information is used to make an automated decision about you — HomeCalc.ca does not make automated decisions about individuals.

    For Quebec-specific privacy requests, email TahmHami@gmail.com with “Quebec privacy request” in the subject line.

    Children

    HomeCalc.ca is not directed to children under 13. We do not knowingly collect personal information from children. If you believe we have inadvertently received information from a child, email TahmHami@gmail.com and we will delete it.

    International transfers

    Our analytics provider (Google) and our hosting provider (Vercel) may process information outside of Canada, including in the United States. Where this occurs, we rely on the service providers' contractual and technical safeguards to protect personal information. By using HomeCalc.ca, you acknowledge that your information may be transferred to and processed in these jurisdictions.

    Changes to this policy

    We may update this policy when our practices change or when the law changes. Material changes will be reflected by updating the “Last reviewed” date at the top of this page. Please check back periodically.

    Contact the privacy officer

    Privacy Officer (PIPEDA) for HomeCalc.ca:

    Hami Tahm
    Email: TahmHami@gmail.com
    Subject line: “Privacy”

    For complaints about the way we handle personal information, you may also contact the Office of the Privacy Commissioner of Canada at priv.gc.ca. Quebec residents may contact the Commission d'accès à l'information du Québec at cai.gouv.qc.ca.

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    HomeCalc.ca publishes free Canadian real estate calculators and educational content. Tools on this site use public rules from CMHC, CRA, Bank of Canada, and provincial governments. They do not constitute personalized financial, tax, or legal advice. For your situation, consult a licensed Canadian mortgage broker, real estate lawyer, or Chartered Professional Accountant. See our full disclaimer.

    © 2026 HomeCalc.ca. Last updated regularly — see individual tool pages for the “Last updated” date.