Privacy Policy

RentAssure is a product of Vectral Technologies Inc.(“we,” “us,” or “our”). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at https://getrentassure.comand use our tenant screening and rental management platform (collectively, the “Services”).

By accessing or using our Services, you agree to this Privacy Policy. If you do not agree, please discontinue use of the Services.

1. Information We Collect

a. Information You Provide Directly

• Account Registration: Name, email address, phone number, password, and role (landlord or applicant).
• Rental Applications: Date of birth, Social Insurance Number (SIN) or Social Security Number (SSN), current and prior addresses, employment information, income details, and references.
• Payment Information: Credit or debit card details and billing address, processed securely through our payment processor (Stripe). We do not store full card numbers.
• Documents: Government-issued identification, pay stubs, bank statements, lease agreements, and other documents you upload.
• Communications: Messages, support requests, and feedback you send us.

b. Information Collected Automatically

• Log Data: IP address, browser type, operating system, referring URLs, pages visited, and timestamps.
• Device Information: Device identifiers, hardware model, and mobile network information.
• Cookies & Similar Technologies: Session cookies required for authentication and platform functionality. We do not use advertising or tracking cookies.

c. Information from Third Parties

• Consumer Reporting Agencies: Credit reports, criminal background checks, and eviction history obtained with your explicit written consent.
• Identity Verification Providers: Results of identity verification checks.

2. How We Use Your Information

We use the information we collect to:

• Create and manage your account and provide the Services.
• Process rental applications and generate screening reports for landlords.
• Facilitate rent collection, invoicing, and payment processing.
• Send transactional communications, including account confirmations, verification codes, application status updates, and payment receipts.
• Send SMS text messages for two-factor authentication (2FA) and time-sensitive account security alerts (see Section 5).
• Comply with applicable laws, including the Fair Credit Reporting Act (FCRA) and applicable Canadian privacy laws (PIPEDA / provincial equivalents).
• Prevent fraud, detect security incidents, and protect the rights and safety of our users.
• Improve and optimize the Services through aggregated, de-identified analytics.
• Respond to legal requests and enforce our Terms of Service.

3. Legal Basis for Processing (where applicable)

Where required by law, we process your personal information on the following bases:

• Contract: Processing necessary to provide the Services you requested.
• Consent: Where you have given explicit consent, including consent to obtain consumer reports and to receive SMS messages.
• Legitimate Interests: Fraud prevention, security, and platform improvement.
• Legal Obligation: Compliance with FCRA, PIPEDA, and other applicable laws.

4. How We Share Your Information

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes. We share information only as described below:

• Between Platform Users: Landlords receive applicant screening reports. Applicants can see the status of their applications.
• Service Providers: We share data with vetted third-party vendors who assist us in operating the Services, including:
  • Payment processing (Stripe)
  • SMS delivery (Twilio)
  • Email delivery (Resend)
  • Cloud infrastructure (Google Cloud Platform)
  • AI-assisted report analysis (Google Gemini)
  These providers are contractually bound to use your information only to perform services on our behalf and in compliance with applicable law.
• Consumer Reporting Agencies: Where required to fulfill screening services, and only with your prior written consent.
• Legal Compliance: When required by law, court order, or governmental authority, or to protect the rights, property, or safety of RentAssure, our users, or the public.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, your information may be transferred as a business asset, subject to the same privacy protections.

No mobile information (including phone numbers and SMS consent) will be shared with third parties or affiliates for marketing or promotional purposes.

5. SMS Text Messaging

RentAssure uses SMS text messaging solely for transactional and account security purposes. By providing your mobile phone number and opting in to SMS communications, you consent to receive text messages from us.

Message Types

We send SMS messages for the following purposes only:

• Two-factor authentication (2FA) one-time passcodes (OTP) during login and registration.
• Account security alerts (e.g., unrecognized login attempts).
• Time-sensitive application or tenancy notifications where you have opted in.

We do not send promotional or marketing SMS messages.

Message Frequency

Message frequency varies based on your account activity. You will typically receive an SMS only when you initiate an action that requires verification.

Message and Data Rates

Message and data rates may apply depending on your mobile carrier plan.

How to Opt Out

You may opt out of SMS messages at any time by replying STOP to any message we send. After opting out, you will receive a single confirmation message. You will no longer receive SMS messages from us unless you re-enroll. Note that opting out of SMS may require you to use email-based two-factor authentication instead.

How to Get Help

Reply HELP to any SMS message for assistance, or contact us at privacy@getrentassure.com.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages. For support, contact us directly at privacy@getrentassure.com.

No Sharing of SMS Data

Phone numbers collected for SMS communications and any opt-in consent records are not shared with third parties for their own marketing or promotional purposes.

6. Data Retention

We retain your personal information for as long as your account is active or as needed to provide the Services. Screening reports and associated personal data are retained in accordance with applicable consumer reporting laws. You may request deletion of your account at any time (see Section 8). Certain data may be retained longer where required by law or for legitimate business purposes such as resolving disputes.

7. Data Security

We implement industry-standard technical and organizational measures to protect your personal information, including encryption in transit (TLS) and at rest, access controls, and regular security reviews. However, no method of transmission over the Internet is 100% secure. We encourage you to use a strong password and to notify us immediately if you suspect unauthorized access to your account.

8. Your Rights and Choices

Depending on your jurisdiction, you may have the right to:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate or incomplete information.
• Deletion: Request deletion of your personal information, subject to legal retention requirements.
• Portability: Request your data in a structured, machine-readable format.
• Withdraw Consent: Withdraw consent for processing where consent is the legal basis, including SMS opt-in.
• FCRA Rights: If you are a consumer subject to a background check, you have specific rights under the Fair Credit Reporting Act, including the right to dispute inaccurate information. A summary of these rights is provided to you during the screening process.

To exercise any of these rights, contact us at privacy@getrentassure.com. We will respond within 30 days.

9. Children's Privacy

The Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will delete it.

10. International Data Transfers

RentAssure operates from Canada, and our infrastructure is hosted on Google Cloud Platform in the United States. By using the Services, you acknowledge that your information may be processed and stored in the United States and other countries where data protection laws may differ from those in your jurisdiction. We take appropriate steps to ensure adequate protections are in place for such transfers.

11. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

12. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page with a new effective date, and where appropriate, by sending you an email notification. Your continued use of the Services after any changes constitutes your acceptance of the updated policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy, please contact us: