Privacy Policy

Last Updated: Sept 1st, 2025

This Privacy Policy describes how Ontario Mortgage Experts (“we”, “our”, “us”) collects, uses, stores, and protects personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), the Mortgage Brokerages, Lenders and Administrators Act, 2006, and other applicable laws in Ontario and Canada.

By visiting our website, completing a lead form, or otherwise providing personal information, you consent to the practices described in this Privacy Policy.

1. Information We Collect

We may collect the following personal information from you:

Full name, address, phone number, and email address.

Employment details, income, credit information, and financial history.

Details about your mortgage needs (purchase, refinance, debt consolidation).

Identification documents required for mortgage applications (e.g., driver’s license, government-issued ID).

Any other information voluntarily submitted through our website, social media, phone, or email.

2. How We Collect Information

We collect personal information through:

Website forms and Facebook/Google lead forms.

Direct communications via email, phone, text, or in person.

Third-party referral partners (with your consent).

Publicly available sources as permitted by law.

3. Purpose of Collection

Your information is collected to:

Assess mortgage eligibility and options.

Submit mortgage applications to lenders and insurers.

Provide financial advice and customer service.

Comply with regulatory requirements under FSRA.

Communicate with you about mortgage products, services, and related opportunities.

Send newsletters, updates, and marketing materials (you may unsubscribe anytime).

4. Sharing of Information

We may share your personal information with:

Lenders, financial institutions, and insurers as part of the mortgage process.

Third-party service providers (e.g., credit bureaus, appraisers, lawyers).

Regulatory bodies (FSRA, FINTRAC, or law enforcement when required).

We do not sell or rent your personal information to third parties.

5. Consent

By submitting personal information, you consent to its collection, use, and disclosure as outlined in this Policy. You may withdraw consent at any time, subject to legal or regulatory restrictions.

6. Retention of Information

We retain your information only as long as necessary to fulfill the purposes outlined in this Policy, or as required by law.

7. Security & Storage

We take reasonable technical, physical, and administrative measures to protect personal information from unauthorized access, use, or disclosure. Information may be stored electronically in secure databases with restricted access.

8. Your Rights

You have the right to:

Access the personal information we hold about you.

Request corrections to your personal information.

Withdraw consent for marketing communications at any time.

9. CASL (Canada’s Anti-Spam Legislation) Compliance

If you provide your email address or phone number, you may receive communications from us about mortgage products and services. You may unsubscribe at any time by clicking “Unsubscribe” in our emails or contacting us directly.

10. Updates to this Policy

We may update this Privacy Policy from time to time. Updates will be posted on our website with a revised “Last Updated” date.

11. Contact Us

If you have questions about this Privacy Policy, or to request access/corrections to your personal information, please contact:

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Ontario Mortgage Experts

Email: alex@ontariomortgageexpert.ca
Phone:647-980-5399