Privacy

This page explains, in plain language, what Bridgewater Land Co collects through this website and through our lender portal, why, and who can see it. If anything here is unclear, email hello@bridgewaterlandco.ca.

The public website

You can read everything on this site without an account. We don’t use advertising, tracking or analytics cookies, and we don’t sell or share information about visitors.

• Hosting. The site is hosted by Cloudflare. Like any web host, Cloudflare processes basic technical information (such as your IP address and browser type) to deliver pages and protect the site from abuse.
• Fonts. Pages load their typeface from Google Fonts, so your browser contacts Google to download it.
• Photos we post. Before photos are published, we remove the location data cameras attach to them.
• Videos. BuildTV videos are delivered by Cloudflare Stream, and the video player is loaded from cdnjs, a public code library run by Cloudflare.

If you email us

When you write to us, we receive your name, email address and whatever you include in your message. We use it only to reply and to keep a record of the conversation. Email to our address is delivered through Cloudflare to a Google (Gmail) mailbox.

The lender portal

People who lend to one of our projects can sign in to a private portal at portal.bridgewaterlandco.ca. It shows each lender their own loan, payments and documents, and news about the build. Only people we invite can get in.

Signing in. Cloudflare handles sign-in. You type your email address and Cloudflare emails you a one-time code. It also asks for a second step that you set up yourself, such as a security key, an authenticator app, or your phone’s fingerprint or face unlock. There is no password, so we never see one.

For each lender, the portal keeps only what’s needed to run the loan:

• your name and the email address you sign in with;
• your loan: the amount, the date it was advanced, your HELOC rate (including how it follows your bank’s prime rate) and each change to it, and the monthly payments sent to you;
• your documents, such as your signed loan agreement;
• which parts of the portal you can see;
• for security, when you last opened the portal and each time you opened a document.

The portal never holds your Social Insurance Number, bank account or card numbers, or your home address (except where it appears inside a signed document). Payments are made outside the portal; it only records that they happened.

Who sees what

• Each lender sees their own loan and documents, never anyone else’s. Where two people lend together, both see that one shared loan.
• Jonathan Mooney, who runs Bridgewater Land Co, sees everything in the portal.

No one else has access. We don’t sell this information or use it for marketing. We share it only when we have to: with our accountant or lawyer, or where the law requires it.

Where it’s stored, and how it’s protected

• Cloudflare runs the portal and stores its records and documents. Cloudflare is a US company, so your information may be stored or processed outside Canada, and may be subject to the laws of the places where it is held.
• Brevo, an email service based in France, sends the portal’s emails (for example, to tell you a payment was sent). These emails never include amounts or rates; they ask you to sign in instead.
• Documents open only inside the portal, after you sign in. There are no shareable links to them.
• Every change in the portal (who made it, what changed and when) is recorded in a log that can’t be edited or deleted, and a copy is emailed to Jonathan.
• Master copies of signed documents are kept in Jonathan’s Google Drive and aren’t shared from there.

How long we keep it

We keep loan records for as long as the loan is active and afterwards for as long as tax and legal record-keeping requires; then we delete them. If your portal access is removed, you can no longer sign in, but your loan records are kept, locked, for that period.

Your choices

You can ask to see the personal information we hold about you, ask us to correct it, or ask us to delete what we’re not required to keep. Email hello@bridgewaterlandco.ca and we’ll respond within 30 days. We handle personal information in line with Canada’s privacy law (PIPEDA).

Changes

If we change how we handle information, we’ll update this page and the date at the top.