Privacy Policy
We respect the privacy of our clients and are committed to keeping your personal information accurate, confidential, secure, and private. We have adopted the following Privacy Policy to ensure that we continue to meet this commitment.
The following sections, read as a whole, comprise our Privacy Policy.
Introduction
In the course of providing our services, we may collect certain personal information about our clients with their consent.
“Personal Information” means information about an identifiable individual. This may include, without limitation, the individual’s name, home address, age, income, credit history, other financial information, credit card information, personal preferences, and information about family members. Personal Information does not include the name, title, business address, or telephone number of an employee of an organization.
In the course of providing services to customers, we routinely share this information with others such as credit reporting agencies, financial institutions, and other suppliers directly involved in the process.
Our Privacy Policy is based on and complies with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), which includes the Ten Privacy Principles outlined in the Canadian Standards Association Model Code for the Protection of Personal Information. For more information, please visit the Office of the Privacy Commissioner of Canada website.
This Privacy Policy describes the ten principles we follow to protect your Personal Information when we collect, use, or disclose it while carrying on commercial activities in Canada. All employees who have access to Personal Information must adhere to this Privacy Policy and related procedures.
The Ten Principles of Privacy
The following ten principles govern our actions relating to the use of Personal Information:
Accountability
Identifying Purposes
Consent
Limiting Collection
Limiting Use, Disclosure, and Retention
Accuracy
Safeguarding Personal Information
Openness
Access
Addressing Complaints
Principle 1: Accountability
We are accountable for all Personal Information in our possession or custody, including Personal Information disclosed to third parties for the purposes of providing services requested by you.
Principle 2: Identifying Purposes
We will inform you of the purposes for which Personal Information is being collected before or at the time of collection. Often the purpose is outlined within the body of any application or contract for services you execute when dealing with us.
Principle 3: Consent
We will obtain your consent before or when collecting, using, or disclosing your Personal Information.
Consent may be express, implied, or given through an authorized representative. You may withdraw your consent at any time, subject to legal or contractual restrictions and reasonable notice. In certain circumstances permitted or required by law, we may collect, use, or disclose Personal Information without your knowledge or consent.
Principle 4: Limiting Collection
Information collected will be limited to what is necessary for the purposes identified to you or to perform the services you have requested. Information will be collected by fair and lawful means.
Principle 5: Limiting Use, Disclosure, and Retention
Personal Information will only be used or disclosed for the purpose for which it was collected unless you consent otherwise or as required by law. Personal Information will only be retained as long as necessary to fulfill the identified purposes and meet legal or regulatory requirements.
Principle 6: Accuracy
We will keep Personal Information as accurate, complete, and current as necessary for the purposes for which it was collected. You may request corrections if the information is inaccurate or incomplete.
Principle 7: Safeguards
Personal Information is protected using safeguards appropriate to the sensitivity of the information and consistent with industry standards. These safeguards include physical, electronic, and organizational measures.
Principle 8: Openness
We make information available about our policies and procedures relating to the management of Personal Information. This Privacy Policy is available through our website or upon request.
Principle 9: Access
Upon written request, you will be informed of the existence, use, and disclosure of your Personal Information and will be given access to it, subject to legal restrictions. Requests should be directed to our Privacy Officer.
Principle 10: Addressing Complaints and Suggestions
You may challenge compliance with this Privacy Policy. We have procedures in place to receive, investigate, and respond to complaints and questions. You may contact our Privacy Officer for concerns or requests regarding your Personal Information.
Application of the Ten Privacy Principles
The Kind of Information We Collect We gather and use Personal Information to provide you with the products and services you request, including mortgage brokering services, loan arrangements, renewals, insurance options, and related financial services.
If you visit our website, we do not collect personally identifiable information unless you voluntarily provide it. Aggregated data that does not identify individuals may be used for research and analytical purposes.
How We Use Your Information Personal Information is used to:
Communicate with you regarding products and services.
Process and document your financial transactions.
Monitor service quality and ensure client satisfaction.
We will only use Personal Information for the purposes disclosed to you.
Disclosure of Personal Information We keep your Personal Information confidential except:
When authorized by you.
When required by law.
When permitted by law.
This may include disclosure to lenders, credit bureaus, financial institutions, insurers, regulatory authorities, or service providers engaged to support our operations, provided they are bound by confidentiality obligations.
Web Site Security Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of external sites.
Accessing and Amending Your Information You have the right to access and correct your Personal Information. Written requests should be directed to our Privacy Officer. We will respond within a reasonable timeframe, subject to legal restrictions.
Cookies and Anonymous Information Our website may use cookies to improve functionality and user experience. Cookies do not identify you personally but help us understand website usage patterns. You may adjust your browser settings to refuse cookies, although this may limit site functionality.
Additional Privacy Commitment We are committed to protecting the confidentiality of client information. We collect Personal Information to:
Provide mortgage brokering services
Arrange and renew loans and mortgages
Offer insurance and related financial products
Assess creditworthiness through credit bureau inquiries
Comply with legal and regulatory requirements
We limit collection to what is necessary and retain information only as long as required to fulfill professional and legal obligations.
We implement safeguards including secure data storage, encryption, restricted employee access, and contractual protections with third-party service providers.
Client lists are not sold or distributed. Employees and agents are required to maintain confidentiality.
Contact Information We have appointed a Chief Privacy Officer responsible for overseeing compliance with privacy legislation and this Privacy Policy.
To contact the Privacy Officer, please reach out directly through the contact information provided on our official website.
