Our privacy policy

As a mortgage broker and/or agent, we respect the privacy of our clients and we 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 our commitment to your privacy.

The following sections read as a whole, comprise our Privacy Policy:

  1. 1. Introduction
  2. 2. The Ten Principles of Privacy
  3. 3. Application of the Ten Principles
    1. • 1. The Kind of Information We Collect
    2. • 2. How We Use Your Information
    3. • 3. When We are Permitted to Disclose Your Information
    4. • 4. With Whom We May Share Your Information
    5. • 5. How We Safeguard Your Information
    6. • 6. Web Site Security
    7. • 7. Accessing and Amending Your Information
    8. • 8. Opting Out
    9. • 9. Anonymous Information and “Cookies”
  4. 4. Questions, Concerns, and Complaints about the Privacy Policy


Our brokerage company is duly licensed by BCFSA and operates in British Columbia, Canada. Each mortgage broker/agent is duly licensed as a mortgage broker/agent in compliance with provincial laws. Broker and agent licensees provide a variety of products and services to the
public, including but not limited to: mortgage brokerage services. In the course of providing these products and services, mortgage broker licensees may collect certain personal information about their 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, or other financial information.

In the course of providing mortgage broker services to customers, mortgage broker licensees routinely share this information with others such as credit reporting agencies, financial institutions, and mortgage brokerage systems suppliers as well as others who are directly involved in the mortgage 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 Privacy. For more information about this legislation, please visit the official Web site of the Privacy Commission of Canada at http://www.privcom.gc.ca.

This Privacy Policy describes the ten principles that mortgage broker licensees follow to ensure that we protect your Personal Information when we collect, use or disclose it in the course of carrying on commercial activities in Canada. All of our employees who have access to Personal Information must adhere to our Privacy Policy and related procedures.

The Ten Principles of Privacy

The following ten principles govern our actions as they relate to the use of Personal Information:
Principle 1 – Accountability
Principle 2 – Identifying Purposes
Principle 3 – Consent
Principle 4 – Limiting Collection
Principle 5 – Limiting Use, Disclosure, and Retention
Principle 6 – Accuracy
Principle 7 – Safeguarding Personal Information
Principle 8 – Openness
Principle 9 – Access
Principle 10 – Addressing Complaints

Principle 1 – Accountability
Mortgage broker licensees are accountable for all Personal Information in its possession or custody, including Personal Information disclosed to third parties for purposes of providing services requested by you.

Principle 2 – Identifying Purposes
Mortgage broker licensees will inform you of the purposes for which it is collecting any Personal Information, before or at the time the information is collected. Often the purpose is outlined with the body of any mortgage application or contract for services you may execute when dealing with your mortgage broker.

Principle 3 – Consent
Mortgage broker licensees will obtain your consent before or when it collects, uses, or discloses your Personal Information. Consent can be express, implied, or given through an authorized representative. You may withdraw your consent at any time (subject to any legal consequences of which you will be informed). Mortgage broker licensees, however, may collect, use or disclose Personal Information without your knowledge or consent in exceptional circumstances where such collection, use, or disclosure is permitted or required by law.

Principle 4 – Limiting Collection
The information collected by Mortgage broker licensees will be limited to those details necessary for the purposes it has 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 have otherwise consented. Personal Information may only be retained for the amount of time needed to fulfill the purpose for which it was collected. In certain exceptional circumstances, Mortgage broker licensees may have a legal duty or right to disclose Personal Information without your knowledge or consent for matters that concern the company’s or the public’s interest.

Principle 6 – Accuracy
Mortgage broker licensees will keep Personal Information as accurate, complete, and current as necessary to fulfill the identified purposes for which it was collected. You may have this information amended where it is found to be inaccurate or incomplete.

Principle 7 – Safeguarding Personal Information
Personal Information is safeguarded using measures appropriate to the sensitivity of the information and in keeping with generally accepted industry standards.

Principle 8 – Openness
Mortgage broker licensees will make information available to their clients, employees, and mortgage brokers about the policies and procedures Mortgage broker licensees use to manage personal information. You have access to this information through our Web site, or an alternate means if requested.

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. Mortgage broker licensees will respond to such requests as efficiently as possible. If mortgage broker licensees are prohibited from providing such access they will explain the reasons for the lack of access, except where prohibited by law.

Principle 10 – Addressing Complaints and Suggestions
You may challenge the Mortgage broker licensee’s compliance with this Privacy Policy. Mortgage broker licensees have policies and procedures to receive, investigate and respond to complaints and questions regarding this Privacy Policy and our collection, use, and disclosure of Personal Information. You may contact the Privacy Officer to express any concerns or to request access to your Personal Information. The contact information for this individual is provided at the end of this document.

Application of the Ten Privacy Principles – How we treat your personal information:

The Kind of Information We Collect

Mortgage broker licensees gather and use Personal Information to provide you with the products and services you have requested, namely: information that is required to effectively provide mortgage brokerage services and to ensure that you are satisfied with the products and services we have provided. We may also use your Personal Information to update you about

our services and to offer you additional products or services that you may be interested in, so that we may continue to serve your needs. How We Use Your Information

We use Personal Information for three general purposes:

  • 1. To communicate with you to provide you with our products and services.
  • 2. For inclusion in documentation relating to your particular financial transaction.
  • 3. To pull a credit report from credit reporting agencies; to verify your employment, residence, financial information, etc., to qualify you for the mortgage you have applied for. We will only use Personal Information for the purpose that we have disclosed to you. If we want to use your information for a different purpose, we will notify you and ask for your consent first. 


When We are Permitted to Disclose Your Information

Mortgage broker licensees are obliged to keep your Personal Information confidential except under the following circumstances:
1. When Authorized by You

  • 2. When Required by Law
  • 3. When Permitted by Law
  • 1. When Required by Law


Many of the services offered by Mortgage broker licensees require us to obtain Personal Information about you to perform the services you have engaged us to provide. We will always obtain consent from you first, and we will never use the information for purposes other than those we have told you about. 

You may withdraw your consent at any time, subject to any legal implications (which we will inform you about). In some cases, if you do not consent to our use or disclosure of certain Personal Information, we may be unable to continue to provide all or part of the services you have requested.

• 1. When Required by Law

The type of information we are legally required to disclose usually relates to government tax reporting requirements. However, in some cases, such as under a court order, we may be required to disclose certain information to persons specified in the court order. We will only provide the specific information requested and only upon being satisfied that the authorities have legitimate grounds to request the information.

• 1. When Permitted by Law

The legislation has provided certain situations where Mortgage broker licensees are legally permitted to disclose Personal Information without your consent. Examples include situations involving the collection of debt in arrears, medical emergencies, or suspicion of illegal activities. With Whom We May Share Your Information

• 1. Mortgage broker licensees

In the course of daily operations, access to sensitive Personal Information is limited to our employees, Licensees, Brokers, and Agents with a legitimate reason for accessing it. As a condition of the mortgage broker license agreement, mortgage broker licensees and their respective employees and agents are required to follow all applicable laws and regulations, including this Privacy Policy. Unauthorized use or disclosure of confidential client information by any mortgage broker licensee is prohibited and may result in disciplinary measures by us such as termination of the employment.

How We Safeguard Information

Mortgage broker licensees have extensive controls in place to maintain the security of its information and information systems. Client and independent broker files are stored according to the sensitivity of the information contained therein. Appropriate controls (such as restricted access) are placed on our computer systems and data processing procedures. Physical access to areas where Personal Information is gathered, processed, or stored is limited to authorized

When you telephone mortgage broker licensees to speak about your file, you may be asked for some personally-identifying information. This type of safeguard is designed to ensure that only you, or someone authorized by you, has access to your file.

Web Site Security

To serve you better, Mortgage broker licensees offer clients access to certain information through its Web site.

Accessing and Amending Your Information

Anonymous Information and “Cookies”

Mortgage broker licensees may collect anonymous information about you. This means that the information collected cannot be traced back to a specific person. For example, our Web servers may record certain information automatically when you visit our Web sites. This information is collected using “cookies” and might include the pages you visited, your IP (Internet Protocol) address, and other site usage statistics. This anonymous information is used for research and analytical purposes only (like evaluating how many visitors our Web sites receive or which pages they visit most often). It does not reveal any Personal Information about you, the user. This aggregate data may be disclosed to third parties, but never with personally-identifying information.


“Cookies” are small text files that contain a unique identification number that allows our computers to identify your Web browser (but not you) each time you visit one of our Web sites that use cookies. The information helps Mortgage broker licensees improve the functionality of the site and enhance the navigation and security of your session. Most major Web sites use this technology and most browsers are set up to accept them.

You may configure your browser to notify you when you receive a cookie, and you may refuse to accept them entirely. However, if you refuse to accept cookies, you may limit the functionality that we can provide to you when you visit our site.

Questions, Concerns, and Complaints

If you have any questions, concerns or complaints about your Personal Information, or about our mortgage broker Privacy Policy, please contact us.