Privacy Policy

At mortgagemom.ca, we take your privacy as seriously as your mortgage. This policy outlines how we collect, use, and protect your personal information in compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA).

1. The Type of Data We Collect

Beyond standard website analytics (IP addresses and cookies), we collect high-sensitivity data when you engage with our mortgage services, including:

• Contact Information: Name, email, and phone number.
• Financial Details: Income, employment history, and credit score (only with explicit consent).
• Identification: Government-issued ID required for mortgage applications.

2. Why We Collect This Data

We only collect information that is strictly necessary to:

• Assess your qualification for mortgage products.
• Submit applications to lenders on your behalf.
• Communicate updates regarding your mortgage process.
• Comply with anti-money laundering (AML) and “Know Your Client” (KYC) regulations.

3. How We Share Your Data

We do not sell your data. We only share your personal information with:

• Lenders: To secure your mortgage approval.
• Credit Bureaus: To pull necessary reports (with your prior consent).
• Affiliated Partners: Such as lawyers or appraisers, only as required to close your transaction.

4. Data Retention & Security

As a mortgage professional, I am required by law to retain certain financial records for a specific period (typically 7 years).

• Storage: Your data is stored using industry-standard encryption and secure CRM platforms.
• Destruction: Once the legal retention period expires, your data is securely deleted or shredded.

5. Cookies & Third Parties

Our website uses cookies to improve your browsing experience. Articles on this site may include embedded content (e.g., videos, maps). These third-party sites may collect data about you or use their own tracking in accordance with their own privacy policies.

6. Your Rights

You have the right to request a copy of the personal data we hold about you, to withdraw consent for us to use your data, or to request that we correct any inaccuracies in your file.