Privacy Policy

1. Who We Are

Grovya.ai ("Grovya", "we", "us", "our") operates an information platform about reverse mortgages, including educational content and calculators.

This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you use our site and tools.

3. What We Collect

A) Information you provide

Depending on what you do on the site, you may provide us with: name, email, phone, location details, and information you enter into forms or calculators.

B) Information collected automatically

When you browse the site, we may collect:

When you browse the site, we automatically collect technical information about your device and browser, how you use the site, and basic security signals to prevent fraud and protect the site.

C) Information from third parties

We may receive limited information from:

• Analytics and advertising platforms (for aggregated reporting or measurement)
• Service providers that help detect abuse or keep the site secure

We do not buy lists of personal information to build profiles about people.

D) AI Assistant Conversations

When you use our AI assistant, conversations are collected and processed by third-party AI technology providers. We use this to answer your questions, improve our service, and the providers may use anonymized data for AI improvements.

4. Cookies and Similar Technologies

We use cookies and similar technologies to:

• Keep the site working properly
• Remember preferences
• Understand usage patterns and improve content
• Measure marketing performance (where enabled)

Some cookies are essential. Others are optional and can be controlled through your browser settings. If you disable cookies, parts of the site may not function as intended.

5. How We Use Information

We use personal information for the following purposes:

A) Provide the site and tools

• Run calculators and show outputs based on your inputs
• Respond to inquiries and support requests
• Improve readability, performance, and functionality

B) Connect you with a licensed broker when you request it

If you submit a "talk to a broker" request or similar, we use your information to:

• Forward your request to a Broker Partner
• Enable the Broker Partner to contact you about your inquiry

C) Improve and protect Grovya

• Debugging, analytics, and product improvement
• Prevent fraud, bot traffic, and abuse
• Maintain logs for security and operational integrity

D) Communications

• Service messages (important notices, confirmations, operational updates)
• Marketing messages only where permitted and/or where you consent (see Section 9)

E) AI Assistant Operations

• Providing real-time responses through our AI chat
• Training and improving AI performance
• Quality assurance and service improvement
• Analyzing common questions and user needs

6. When We Share Your Information

We may share personal information with:

A) Broker Partners

If you ask to be connected with a broker, we may share your information so they can contact you. Broker Partners are independent with their own privacy policies, and we are not responsible for their use of your information.

B) Third-party AI providers

Our AI assistant uses third-party technology. Conversations may be sent to AI providers to generate responses and may be used in anonymized form to improve their AI systems. They have their own privacy policies.

C) Service providers

We use vendors for hosting, analytics, communications, security, and site operations. They may access information only to perform services for us under contract.

D) Legal or safety reasons

We may disclose information to comply with law, court orders, government requests, or to protect rights, safety, and security.

E) Business transactions

If Grovya is involved in a merger, acquisition, or sale, information may be shared or transferred as part of the transaction.

7. Data Location Processing

Your information may be stored or processed in Canada. AI processing may occur in jurisdictions where our AI providers operate. If processed outside your province, it may be subject to laws of that jurisdiction, including lawful access requests by authorities.

8. Data Retention

We keep personal information only as long as needed for:

• The purposes described in this policy
• Legal, accounting, or security requirements
• Fraud prevention and abuse detection

Calculator inputs may be retained in aggregated or de-identified form for analytics and product improvement. Where we keep data in this form, it is not intended to identify you.

9. Your Choices and Controls

A) Marketing preferences

You can opt out of marketing emails. You may still receive essential service communications.

B) SMS and phone contact from Broker Partners

If you request a broker contact, the broker may reach you by phone or text. You can ask them to stop contacting you.

SMS note: Message and data rates may apply. You can opt out of SMS.

C) AI Assistant

Conversations with our AI assistant are saved to help improve the service. You can access all site information and tools without using the AI chat if you prefer.

D) Cookies

You can control cookies through browser settings. Some functionality may be affected if you block cookies.

10. Access, Correction, and Privacy Requests

You can request access to the personal information we hold about you, correction of inaccurate information, or deletion where appropriate (subject to legal and operational limits). To protect privacy, we may need to verify your identity before completing a request.

11. Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information. No system is perfectly secure. You are responsible for keeping any device or email account you use to access Grovya secure.

14. Changes to This Policy

We may update this policy by posting a revised version and changing the "Last Updated" date. Continued use of the site after an update means the updated policy applies.