Privacy Policy

AVA Credit Inc. operates avacredit.ca as the corporate website for our AI-powered financial services platform. This policy describes our data practices, including information collected through our AI assistant and service inquiries.

Website Information

Our website address is: https://avacredit.ca

AVA Credit Inc. is a Toronto-based company operating three integrated divisions: AVA Credit (mortgage and business financing), AVA Consulting (enterprise AI enablement), and AVA Media (educational publishing). Our website provides information about these services, our research, and resources on human-AI collaboration in financial services.

AI Assistant (Ava)

Our website features an AI-powered assistant named Ava to help visitors with inquiries about AVA Credit’s services, research, and expertise. When you interact with Ava, we collect:

Chat transcripts, including the content of your conversation
Your IP address for security and administrative purposes

Chat transcripts are stored locally on our servers and are not shared with third parties. We use this information to respond to your inquiries, improve our AI assistant’s performance, and maintain site security.

Service Inquiries

When you submit inquiries through our contact forms or request information about our lending, consulting, or media services, we collect the information you provide, which may include your name, email address, phone number, and details about your inquiry. This information is used solely to respond to your request and provide relevant services.

Data Retention

Chat transcripts and associated data are retained for administrative and service improvement purposes. Service inquiry data is retained as necessary to fulfill your request and comply with applicable regulations. You may request deletion of your data at any time by contacting us.

Your Data Rights

You have the right to request access to, correction of, or deletion of any personal data collected during your interactions with our website and AI assistant. To exercise these rights, contact us at info@avacredit.ca or through our Contact page. We will process your request in accordance with applicable Canadian privacy legislation, including PIPEDA (Personal Information Protection and Electronic Documents Act).

Cookies and Tracking

Our website uses standard analytics to understand how visitors use our site. We do not use cookies for advertising purposes or share visitor data with advertising networks.

Third-Party Services

We do not sell or share visitor data with third parties for marketing purposes. External links on our site direct users to other websites governed by their respective privacy policies. Our lending services operate under the regulatory framework of Mortgage Architects Inc., a subsidiary of Dominion Lending Centres Group (TSX: DLCG), which maintains its own privacy practices for mortgage transactions.

Contact and Updates

For questions about this Privacy Policy, contact:

AVA Credit Inc.
582 St Clair Ave W
Toronto, Ontario
info@avacredit.ca

We may update this policy to reflect changes in our practices or applicable laws. Updates will be posted on this page with revision dates.

Last updated: January 4, 2026