Privacy Policy

[REQUIRED BROKERAGE INPUT — Legal Brokerage Name] (“we,” “us,” or “our”) is committed to protecting the privacy of individuals who interact with our website and services. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation.

By using our website or engaging our services, you consent to the practices described in this policy.

We may collect the following categories of personal information:

• Identity information: name, date of birth, government-issued ID
• Contact information: email address, phone number, mailing address
• Financial information: income, employment details, credit history, mortgage details, property information
• Transaction information: loan inquiries, application details, correspondence
• Technical information: IP address, browser type, device identifiers, cookies and usage data
• Communications: emails, phone calls, and messages sent to us

We collect this information directly from you, from third parties with your consent (such as lenders or credit bureaus), and automatically through your use of our website.

We use your personal information to:

• Assess and process mortgage inquiries and applications
• Match you with appropriate private lenders or mortgage products
• Communicate with you about your inquiry or application
• Comply with legal and regulatory obligations (including FSRA requirements)
• Prevent fraud and ensure the security of our services
• Improve our website and services through analytics
• Send you relevant information about our services (with your consent)

We do not sell your personal information. We may share your information with:

• Private lenders and investors when arranging a mortgage, with your consent
• Legal and professional advisors (e.g., lawyers, appraisers) as required for your transaction
• FSRA and other regulatory authorities as required by law
• Service providers who assist us in operating our business, under strict confidentiality obligations
• Law enforcement or government authorities when required by law or court order

Any third parties who receive your information are required to handle it in accordance with applicable privacy laws.

We implement reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, use, disclosure, alteration, or destruction. These measures include:

• Encrypted data transmission (SSL/TLS)
• Access controls and authentication requirements
• Regular security reviews
• Staff training on privacy and data handling

No method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security but are committed to using industry-standard protections.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory obligations, resolve disputes, and enforce our agreements. Mortgage transaction records may be retained for a minimum of seven (7) years as required by FSRA regulations.

Subject to applicable law, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate or incomplete information
• Withdraw consent for certain uses (subject to legal and contractual restrictions)
• Request deletion of your personal information in certain circumstances
• File a complaint with the Office of the Privacy Commissioner of Canada

To exercise these rights, contact our Privacy Officer at [REQUIRED BROKERAGE INPUT — Email].

Our website uses cookies and similar technologies to improve your browsing experience, analyze site traffic, and understand how visitors use our site. You may disable cookies in your browser settings; however, some features of the site may not function properly without them.

REQUIRED BROKERAGE INPUT — List specific cookies used (analytics, functional, etc.) and obtain appropriate consent where required under PIPEDA or CASL.

Our website 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 independently.

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated “Last updated” date. We encourage you to review this policy periodically.

For questions, concerns, or requests related to this Privacy Policy or our privacy practices, please contact:

If you are not satisfied with our response, you may contact the Office of the Privacy Commissioner of Canada.