Our Privacy Policy.

Exceptional Service & Competitive Rates

We are committed to protecting the privacy and confidentiality of our clients’ personal information. Our goal is to ensure your information is secure, accurate, and used appropriately. This Privacy Policy outlines the steps we take to uphold our commitment to privacy and how we handle your personal data.

Introduction

In the course of providing mortgage services, we may collect personal information with your consent. "Personal Information" refers to any data that identifies an individual, such as your name, address, age, financial history, credit information, and personal preferences. It does not include business contact information like your job title or company address.

To deliver our services effectively, we may share this information with trusted partners like credit agencies, financial institutions, and other service providers involved in your mortgage process.

This Privacy Policy complies with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) and is based on the Ten Privacy Principles of the Canadian Standards Association. For more information on PIPEDA, please visit the Privacy Commissioner of Canada’s website.

Our Privacy Principles

To ensure the responsible handling of your Personal Information, we adhere to the following ten principles:

  1. Accountability
    We are accountable for all Personal Information we manage, including any data shared with third parties involved in providing your mortgage services.

  2. Identifying Purposes
    We will inform you of the reasons for collecting your personal information when it’s collected or before. This is typically outlined in the documentation for any services or contracts you engage with us.

  3. Consent
    Your consent is required before we collect, use, or disclose your personal information, which can be provided explicitly or implied. You can withdraw consent at any time, subject to legal or contractual restrictions, and we will inform you of any consequences.

  4. Limiting Collection
    We collect only the information necessary to fulfill the services you request. Our data collection is conducted fairly and lawfully.

  5. Limiting Use, Disclosure, and Retention
    Your information will only be used or disclosed for the purposes for which it was collected, unless otherwise authorized by you. We retain data only for as long as needed to fulfill those purposes.

  6. Accuracy
    We will maintain accurate and complete personal information, and you have the right to correct any inaccuracies.

  7. Safeguarding Personal Information
    We implement appropriate security measures to protect your data, matching the sensitivity of the information we handle.

  8. Openness
    We are transparent about our policies and procedures for managing personal information. This information is available on our website or by request.

  9. Access
    Upon request, you can access your personal information and review how it’s been used and disclosed. If we are unable to provide access, we will explain why.

  10. Addressing Concerns
    You have the right to challenge our compliance with this Privacy Policy. We have procedures to handle any questions or concerns you may have about how your information is managed.

Application of the Ten Principles

What We Collect
We gather personal information to provide the mortgage services you’ve requested. This may include financial details, credit history, and any other relevant data needed to tailor your mortgage solutions.

How We Use Your Information
We use your personal information for three main purposes:

  1. To communicate with you about our services.

  2. To include in the documentation for your mortgage transaction.

  3. To assess and improve the quality of our services.

We will only use your information for the purposes we’ve disclosed to you. If we need to use it for another reason, we will request your consent first.

When We Disclose Your Information

We are committed to maintaining confidentiality and will only disclose personal information in the following situations:

  1. With Your Authorization
    We may share your information with third parties involved in providing the services you’ve requested, but only with your consent.

  2. When Required by Law
    Certain legal obligations may require us to disclose your information, such as tax reporting or in response to a court order.

  3. When Permitted by Law
    In specific situations, such as debt collection or emergency situations, we may disclose information without your consent if permitted by law.

Security & Access

Our website is designed to offer secure access to your information, and we implement best practices to protect your data online. However, please note that we cannot guarantee the privacy of other websites linked from ours.

You have the right to review and correct your personal information at any time by contacting us directly. If you wish to update or amend your details, please reach out to our Privacy Officer.

Opting Out & Cookies

If you prefer not to receive updates or promotional materials from us, you may opt out by contacting us. We also use cookies to enhance your website experience, but you can configure your browser to decline them if you prefer.

Questions & Concerns

If you have any questions about our Privacy Policy or how we handle your personal information, please contact us. We are committed to addressing your concerns and ensuring your privacy is respected.

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