Privacy Policy

1 Information We Collect

When you interact with FintechMortgages — whether through our website at fintechmortgages.com, by email, or by phone — we may collect the following categories of personal information in order to assess and process your mortgage application:

We collect only the information that is necessary, relevant, and proportionate to the mortgage services we provide. This may include:

• Full legal name and date of birth
• Email address and phone number
• Residential address and housing history
• Employment status, employer details, and income information
• Self-employment income, business financials, and tax documentation
• Credit history and authorization for credit bureau inquiries
• Asset and liability details (bank accounts, investments, existing debts)
• Property information related to a purchase or refinance

2 How We Use Your Information

Your personal information is used exclusively for legitimate mortgage-related purposes. We will never sell your information to third parties. Specifically, we use your information to:

• Evaluate your mortgage eligibility and prepare a suitable application
• Conduct credit checks with your express consent through authorized credit bureaus
• Submit your mortgage application to lenders, banks, or credit unions on your behalf
• Communicate with you regarding your application status, approvals, and next steps
• Follow up with you about mortgage renewals, refinancing opportunities, or rate changes
• Comply with legal, regulatory, and brokerage compliance obligations under FSRA and Mortgage Alliance
• Respond to your inquiries submitted through our website or by phone or email

We obtain your express or implied consent before collecting, using, or disclosing your personal information, and you may withdraw consent at any time, subject to legal and contractual restrictions.

3 Disclosure to Third Parties

In the course of arranging mortgage financing on your behalf, we may share your personal information with trusted third parties who require it to fulfill the services you have requested. These parties are bound by their own privacy and confidentiality obligations. Disclosure may be made to:

• Mortgage lenders, banks, credit unions, and trust companies to whom your application is submitted
• Mortgage Alliance (our governing brokerage, License #10530) for compliance and supervision purposes
• Credit bureaus (Equifax, TransUnion) for credit assessment, with your prior consent
• Mortgage insurers such as CMHC, Sagen, or Canada Guaranty where applicable
• Legal and title professionals involved in your real estate transaction
• Government or regulatory bodies where required by law

We do not sell, rent, or trade your personal information to any third party for marketing or commercial purposes unrelated to your mortgage transaction.

4 PIPEDA Compliance & Your Rights

FintechMortgages operates in full compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA), Canada's federal private-sector privacy law. Under PIPEDA, you have the right to know what personal information we hold about you, to request corrections, and to withdraw your consent to its use at any time — subject to legal and contractual limitations.

We retain your personal information only for as long as is necessary to fulfill the purposes for which it was collected, or as required by applicable law and brokerage compliance regulations. Once no longer needed, your information is securely destroyed or anonymized.

We take reasonable physical, technological, and administrative safeguards to protect your personal information from unauthorized access, disclosure, copying, use, or modification.