Effective date: 2025-11-12
Contact: hello@yourmortgageconcierge.ca
1. Introduction
Mortgage Concierge (also referred to as “we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, retain, and protect your personal information when you visit our website, use our services, or otherwise interact with us. By accessing or using our services, you agree to the collection and use of your information in accordance with this policy.
2. Scope
This policy applies to personal information collected from residents of Canada, the United States, and elsewhere. We operate in Canada and serve clients in both Canada and the U.S., and our practices reflect compliance with relevant laws including Canada’s Personal Information Protection and Electronic Documents Act (“PIPEDA”), and applicable U.S. federal and state privacy laws including the California Online Privacy Protection Act (“CalOPPA”) and others.
3. Personal Information We Collect
We collect information that identifies, relates to, describes, or is reasonably capable of being associated with an identifiable person (collectively, “Personal Information”). The categories of Personal Information we may collect include:
- Contact information (name, email address, phone number, mailing address)
- Demographic information (age range, home ownership status, property location)
- Financial information you provide when you inquire about or apply for mortgage or refinancing services (for example: mortgage term, balance, interest rate, debt balances)
- Usage information (IP address, device information, browser type, referral source)
- Marketing and communications data (your preferences, any opt-in or opt-out information)
- Other information you voluntarily provide (such as when you complete forms, upload documents, or contact our support team).
4. How We Collect Personal Information
We collect your Personal Information in a variety of ways, including:
- Directly from you when you complete a consultation request, registration form, apply for a service, or otherwise provide information.
- Automatically when you use our website, through cookies, analytics tools, tracking pixels (e.g., Google Analytics, Meta/Facebook pixel) and server logs.
- From third parties (with your consent or as permitted by law), such as publicly available databases, credit reporting agencies, or third-party service providers.
5. Use of Personal Information
We use your Personal Information for the following purposes:
- To provide and manage our mortgage concierge and refinancing services, including matching you with a mortgage expert, evaluating your eligibility, and facilitating consultation.
- To communicate with you about your account, our services, or changes to this policy.
- To send marketing communications (where you have consented) or operational messages (which may be required to provide service).
- To monitor, analyze and improve our website, services, and business operations.
- To comply with legal obligations and enforce our rights.
6. Disclosure and Sharing of Personal Information
We will not sell your Personal Information for direct remuneration. We may share your information only as follows:
- With our trusted service providers, contractors, or partners who assist us (e.g., mortgage brokers, analytics providers, email marketing platforms) and who are bound by confidentiality obligations.
- With third parties when required or permitted by law, such as to comply with a court order, respond to regulatory requirements, or protect our rights or property.
- With your consent or direction.
- In the event of a business transaction (e.g., merger, acquisition, sale) your Personal Information may be transferred, subject to appropriate safeguards.
7. Cookies and Other Tracking Technologies
We use cookies, web beacons, tracking pixels and similar technologies to collect information about your browsing behaviour and to personalise or customise your experience. You may manage or disable cookies via your browser settings, but please note that some features of our website may not operate correctly without them.
We may track or receive “Do Not Track” signals; however, our website may not honour all such signals, as not all browsers or devices support them.
8. International and Cross-Border Transfers
Because we operate cross-border and may store or process Personal Information in servers located in Canada, the U.S., or elsewhere, your Personal Information may be transferred across international borders. Where required, we apply appropriate safeguards consistent with applicable law.
9. Data Retention
We retain your Personal Information only as long as necessary to fulfil the purposes for which it was collected, or to comply with legal, accounting or reporting requirements. After that, we will securely destroy or anonymize it.
10. Security
We implement industry-standard security safeguards to protect your Personal Information against unauthorized access, disclosure, alteration or destruction. These measures include secure servers, encryption where appropriate, access controls, regular security reviews, employee training, and a breach response plan. However, no method of transmission or electronic storage is 100% secure, and we cannot guarantee absolute security.
11. Your Rights and Choices
Depending on your location, you may have rights regarding your Personal Information:
- The right to access or obtain a copy of the Personal Information we hold about you.
- The right to request correction or deletion of your Personal Information.
- The right to withdraw consent or opt out of certain processing (such as direct marketing).
- The right to request restriction of processing, object to processing, or data portability (as applicable).
- In California, U.S. residents may have additional rights under the California Consumer Privacy Act (CCPA) and its amendments: the right to know what Personal Information is collected, request deletion, and opt out of “sale” of Personal Information. To exercise your rights, contact us at hello@yourmortgageconcierge.ca. We will review and respond within applicable timeframes. Verification may be required.
12. Children’s Privacy
Our services are not directed to children under 13 and we do not knowingly collect Personal Information from children under 13. If we become aware that we have inadvertently collected such information, we will promptly delete it. Where applicable in the U.S., the Children’s Online Privacy Protection Act (“COPPA”) applies.
13. Updates to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Effective date” at the top and post the new policy prominently on our website. We encourage you to review this policy periodically to stay informed.
14. Contact Information
If you have any questions, concerns or requests related to your Personal Information, you can contact us at:
Email: hello@yourmortgageconcierge.ca