Privacy Policy

1. Information We Collect

We collect information necessary to provide mortgage services, including:

• Personal Identification: Name, date of birth, Social Insurance Number, government-issued ID
• Contact Information: Email address, phone number, mailing address
• Financial Information: Employment details, income, assets, debts, credit history, banking information
• Property Information: Details about properties you own or wish to purchase
• Technical Data: IP address, browser type, device information when you visit our website

2. How We Use Your Information

Your information is used for the following purposes:

• Processing mortgage applications and obtaining credit reports
• Submitting applications to lenders and financial institutions
• Providing mortgage advice and financial guidance
• Communicating with you about your mortgage application and services
• Complying with legal and regulatory requirements
• Improving our services and website functionality

3. Information Sharing and Disclosure

We may share your information with:

• Lenders and Financial Institutions: To process your mortgage application
• Credit Bureaus: To obtain and verify your credit information
• Legal and Professional Advisors: Lawyers, accountants, and other professionals involved in your transaction
• Regulatory Bodies: When required by law or to comply with regulatory obligations
• Service Providers: Third-party service providers who assist us in operating our business

We will never sell your personal information to third parties for marketing purposes.

4. Consent

By providing your personal information to us, you consent to our collection, use, and disclosure of that information as described in this Privacy Policy. You may withdraw your consent at any time, subject to legal or contractual restrictions.

However, withdrawing consent may impact our ability to provide mortgage services to you.

5. Data Security

We implement industry-standard security measures to protect your personal information:

• Secure encrypted transmission of sensitive data
• Password-protected systems and restricted access to authorized personnel only
• Regular security audits and updates
• Physical security measures for paper documents

While we take reasonable precautions to protect your information, no method of transmission over the internet or electronic storage is 100% secure.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Mortgage-related documents are typically retained for 7 years as required by law.

7. Your Privacy Rights

Under Canadian privacy laws, you have the right to:

• Access your personal information that we hold
• Request correction of inaccurate or incomplete information
• Request deletion of your personal information (subject to legal requirements)
• Withdraw consent for certain uses of your information
• File a complaint with the Privacy Commissioner of Canada

8. Cookies and Website Tracking

Our website may use cookies and similar tracking technologies to enhance your browsing experience. Cookies help us:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Improve website functionality and user experience

You can control cookie settings through your browser preferences.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will post the updated policy on our website with the revised "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated policy.

11. Contact Us About Privacy

If you have questions, concerns, or requests regarding this Privacy Policy or how we handle your personal information, please contact us:

Privacy Commissioner of Canada:
If you are not satisfied with our response to your privacy concerns, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or visit www.priv.gc.ca