Privacy Policy

Glacier Financial ("Glacier Financial," "Glacier," "we," "us," or "our") respects your privacy and is committed to protecting the personal information entrusted to us.

This Privacy Policy explains how Glacier Financial collects, uses, discloses, stores, protects, and otherwise handles personal information when you visit our websites, interact with our advertisements, submit an inquiry, complete a lead form, communicate with us, or otherwise use our services.

By using our website or voluntarily providing personal information to us, you acknowledge the practices described in this Privacy Policy.

1. Our Role

Glacier Financial generates and facilitates prospective customer inquiries relating to residential and commercial financial products and services.

Glacier Financial generally does not act as the lender, financial institution, mortgage lender, mortgage brokerage, insurance company, investment dealer, financial advisor, accountant, lawyer, or other regulated financial services provider unless expressly stated otherwise. Our primary role is to generate and refer prospective customer inquiries to independent third party partners.

2. Personal Information We May Collect

Depending on the service you request and how you interact with us, we may collect personal information including:

• Contact Information: Full name, Email address, Telephone number, Mailing address, Preferred method of communication.
• Residential and Property Information: Property address, Property type, Estimated property value, Purchase price, Existing mortgage information, Down payment information, Refinancing requirements.
• Employment and Income Information: Employment status, Employer information, Occupation, Approximate income, Sources of income, Business ownership information.
• Financial Information: Approximate debt levels, Existing financing, Financing amount requested, Credit related information voluntarily provided by you.
• Business Information: Business name, address, industry, structure, years in operation, approximate revenue, and commercial property information.
• Communications: Emails, Telephone communications, Text messages, Contact forms, and Appointment information.

We generally do not require you to provide banking passwords, online banking credentials, security codes, or other authentication credentials through ordinary Glacier Financial lead forms.

3. Information Collected Automatically

When you visit our website, we may automatically collect technical and usage information, including: IP address, Browser type, Device type, Operating system, Approximate geographic location, Referring website, Pages viewed, Date and time of visits, Advertising campaign information, and Cookies and similar technologies.

4. How We Collect Personal Information

We may collect personal information directly from you when you: Complete a lead form, Request information, Contact us, Call us, Book an appointment, or Respond to an advertisement.

We may also receive information from third parties, advertising platforms, referral partners, marketing partners, analytics providers, or other sources where permitted by applicable law.

5-7. Advertising, Cookies, and Retargeting

Glacier Financial may generate leads through advertising platforms like Google Ads, Microsoft Advertising, Meta, TikTok, and search engine optimization. When you interact with an advertisement, the applicable advertising platform may collect information about your interaction.

We use cookies, pixels, tags, scripts, local storage, and similar technologies for website functionality, security, analytics, conversion tracking, advertising measurement, and retargeting. You may be able to manage cookies through your browser settings.

Where permitted by applicable law, Glacier Financial may use information concerning website interactions to measure or improve advertising campaigns, or to display advertisements to people who previously interacted with our website.

8. How We Use Personal Information

We may collect, use, and disclose personal information for purposes including:

• Responding to inquiries and generating leads
• Connecting prospective customers with Partners
• Communicating regarding an inquiry and scheduling appointments
• Measuring advertising performance and conducting analytics
• Improving our website and preventing fraud
• Complying with legal requirements

9. Sharing Personal Information With Partners

A primary purpose of Glacier Financial's business is to connect prospective customers with independent financial service providers. When you submit an inquiry, we may share information you provide with one or more Partners capable of responding to the type of service you requested.

The Partner may contact you directly regarding your inquiry. Partners are independent organizations and may have their own privacy policies. Glacier Financial does not control how an independent Partner handles information after receiving it.

11-13. Sensitive Financial Information & Applications

Some information collected through our services may be considered sensitive personal information (e.g., income, debts, credit, loans, mortgages, property). Because of the sensitivity of this information, Glacier Financial may use additional consent or security measures where appropriate.

For security reasons, you should not provide online banking passwords, banking security codes, or cryptocurrency wallet credentials through ordinary Glacier Financial lead forms.

If a Partner requires sensitive documentation or account information as part of an actual financial application, that information should generally be provided through the secure system specified by the applicable Partner.

15. Marketing Communications

Glacier Financial may use personal information to communicate with you regarding your inquiry and, where permitted and appropriately consented to, for marketing purposes (via Email, Telephone, SMS). You may withdraw marketing consent using the unsubscribe mechanism provided in a communication or by contacting us.

16-17. Consent & Withdrawal

Glacier Financial seeks to obtain meaningful consent for the collection, use, and disclosure of personal information where required by applicable law. You may withdraw your consent subject to applicable legal or contractual restrictions and reasonable notice.

20-22. Service Providers, Retention, and Processing

Glacier Financial may use third party service providers to operate our business (e.g., website hosting, CRM, analytics). Some service providers may operate outside Canada, meaning personal information may be subject to the laws of the jurisdiction where it is processed.

Glacier Financial retains personal information only for as long as reasonably necessary for the purposes for which it was collected and for legitimate business, legal, security, and regulatory purposes.

23-24. Security and Privacy Breaches

Glacier Financial uses reasonable administrative, technical, and physical safeguards designed to protect personal information, including access controls, encryption, and restricted access. However, no electronic storage or transmission system can be guaranteed to be completely secure.

If we experience a privacy breach involving personal information under our control, we will respond in accordance with applicable privacy laws, including notifying affected individuals where required.

25-26. Access and Complaints

Subject to applicable legal exceptions, you may request access to personal information Glacier Financial holds about you, and request correction of inaccurate or incomplete information. If you have concerns about how we handle your personal information, we encourage you to contact us first.

30. Privacy Contact

Privacy requests, access requests, correction requests, consent questions, and privacy complaints may be directed to:

Glacier Financial

Email: advisory@glacierfinancial.com

Telephone: 1 (888) 555-0147

Glacier Financial is a lead generation and referral business. Personal information submitted through our services may be used to respond to your inquiry and, where permitted by applicable law and your consent, may be shared with independent financial service providers who may contact you regarding the products or services you requested.