1. Information We Collect

We collect personal information necessary to arrange or service mortgage financing and related services. This may include:

2. How We Use Your Information

We use personal information for purposes including:

• Assessing mortgage suitability
• Verifying identity
• Obtaining credit reports and Minerva reports
• Submitting mortgage applications to lenders
• Communicating with lenders, insurers, lawyers, and service providers
• Meeting legal and regulatory obligations
• Preventing fraud and unauthorized transactions
• Maintaining records required by law
• Marketing products and services where consent has been obtained

Mortgage brokerages regulated in Ontario are expected to maintain records and disclose relevant information appropriately under FSRA requirements.

3. Consent

We collect, use, and disclose personal information with your knowledge and consent, except where otherwise permitted or required by law.

Consent may be:

• Express — written or verbal
• Implied — through your interactions with us, or through another person such as brokers or agents

You may withdraw consent at any time, subject to legal or contractual restrictions. Withdrawal of consent may limit our ability to provide mortgage services.

4. Disclosure of Information

We may disclose personal information to:

• Financial institutions and mortgage lenders
• Mortgage insurers
• Credit reporting agencies
• Lawyers and notaries
• Appraisers
• Verification and fraud prevention providers
• Regulators, including FSRA, where required
• Service providers assisting in our operations

We do not sell, rent, or trade personal information to third parties under any circumstances.

5. Safeguarding Your Information

We maintain physical, organizational, and technological safeguards appropriate to the sensitivity of the information, including:

• Secure document storage
• Encryption and password protection
• Restricted employee access
• Confidentiality obligations for staff and contractors
• Surveillance cameras
• Secure destruction of records when no longer required

Only authorized personnel have access to client information.

6. Retention of Information

We retain personal information only as long as necessary for:

• Mortgage brokering purposes
• Regulatory compliance
• Legal and audit requirements
• Dispute resolution

Records are securely destroyed when no longer required.

7. Accuracy of Information

We make reasonable efforts to ensure personal information is accurate, complete, and up to date.

You are encouraged to notify us of any changes to your information.

8. Access and Correction Requests

You may request access to your personal information or request corrections by contacting our Privacy Officer.

• We may require verification of identity before processing requests.
• Requests may be denied where permitted by law.

9. Cookies and Website Tracking

Our website may use cookies and analytics tools to:

• Improve website functionality
• Analyze website traffic
• Enhance user experience

You may disable cookies through your browser settings; however, some website functions may not operate properly.

10. Marketing Communications

With your consent, we may send:

• Mortgage updates
• Renewal reminders
• Promotional offers
• Industry news
• Marketing materials

You may unsubscribe at any time using the unsubscribe link in our emails or by contacting us directly.

11. Cross-Border Processing

Some service providers may store or process information outside Canada. In such cases, information may be subject to foreign laws and lawful access requirements.

We take reasonable steps to ensure comparable privacy protections are maintained.

12. Complaints and Questions

Questions, access requests, correction requests, or privacy complaints may be directed to:

We will acknowledge receipt of a request promptly and aim to resolve all inquiries within 30 days, or as required by law.

13. Changes to This Policy

We may update this Privacy Policy periodically, as required to keep current with applicable laws and regulations, standards, new technologies, and customer concerns. Updated versions will be posted on our website with a revised effective date.