Privacy Policy

We may collect personal information that you provide directly to us, including through contact forms, mortgage application forms, renewal forms, phone calls, emails, SMS messages, document uploads, and other communications.

The information we collect may include:

• Name, nickname, date of birth, marital status, Canadian residency or immigration status, and dependent information
• Contact information, including phone number, mobile number, email address, and home address
• Employment information, including employer name, employer address, job title, employment status, start date, and income details
• Financial information, including income sources, assets, liabilities, support payments, savings, investments, RRSP, TFSA, FHSA, vehicle information, gift funds, debts, and other financial obligations
• Property and mortgage information, including property address, property type, property value, taxes, condo fees, rental income, existing mortgage details, lender information, loan type, balance, rate, payments, maturity date, and related details
• Transaction information, including whether you are purchasing, refinancing, renewing, selling, or buying and selling a property
• Co-applicant information where you provide it or where a co-applicant submits information in connection with your mortgage inquiry or application
• Documents or supporting information you choose to provide to us
• Any additional information you submit in forms, messages, calls, or other communications

Mortgage and financial information may be sensitive. We limit our collection to information reasonably needed to respond to your inquiry, prepare for calls, assist with mortgage-related services, and support mortgage application or renewal processes where applicable.

We may automatically collect information about how the Service is accessed and used. This may include your IP address, browser type, browser version, device information, pages visited, time and date of visit, time spent on pages, referring website, diagnostic data, and similar technical information.

We use this information to operate, secure, troubleshoot, analyze, and improve the Service.

We may use cookies and similar technologies, such as pixels, tags, and scripts, to operate the Service, remember preferences, improve website performance, help keep the Service secure, and understand how visitors use the website.

Examples of cookies we may use include:

• Session cookies: Used to operate the Service.
• Preference cookies: Used to remember preferences and settings.
• Security cookies: Used for security purposes.
• Analytics cookies: Used to understand website traffic and usage.

You can instruct your browser to refuse cookies or alert you when cookies are being sent. Some parts of the Service may not function properly if cookies are disabled.

Mortgage Allies may use personal information for the following purposes:

• To respond to your inquiry or request
• To prepare for and conduct mortgage-related calls or consultations
• To assess your mortgage needs, goals, eligibility, and available options
• To assist with mortgage applications, renewals, refinances, purchases, sales and purchases, or related services
• To communicate with you by phone, email, SMS, or other contact methods you provide
• To request, receive, organize, and review documents or supporting information
• To share information with lenders, mortgage insurers, underwriters, broker partners, credit bureaus, service providers, and other mortgage-related parties where needed and where authorized or permitted by law
• To provide customer support and follow-up communication
• To operate, maintain, secure, analyze, and improve the Service
• To detect, prevent, and address fraud, security issues, technical issues, or misuse of the Service
• To comply with legal, regulatory, contractual, recordkeeping, and professional obligations
• To enforce our Terms and Conditions and protect our rights, property, users, and the public

Marketing communications, where applicable, will be handled separately from service-related communications and may include unsubscribe or opt-out options.

We collect, use, and disclose personal information with your consent, except where otherwise permitted or required by law. Consent may be provided through online forms, checkboxes, email, SMS, phone calls, document submission, or other interactions with Mortgage Allies.

You may withdraw consent at any time, subject to legal, contractual, regulatory, and practical limits. If you withdraw consent, we may be unable to continue providing some or all mortgage-related services.

Mortgage Allies does not sell your personal information. We may disclose personal information only as reasonably needed for the purposes described in this Privacy Policy or as permitted or required by law.

We may share personal information with:

• Mortgage lenders, banks, credit unions, private lenders, mortgage insurers, underwriters, and related mortgage industry participants
• Credit bureaus or credit reporting agencies, where authorized or required for a mortgage-related purpose
• Broker partners, agents, administrators, processors, and professional advisors involved in assisting with your mortgage-related request
• Technology and service providers, including website hosting, form, CRM, email, SMS, document management, analytics, security, and communications providers
• Legal, accounting, compliance, regulatory, or professional advisors
• Government, regulatory, law enforcement, or dispute resolution bodies where required or permitted by law

Service providers are expected to use personal information only for the services they provide to us and to protect it using appropriate safeguards.

Mortgage Allies may collect and use mobile phone numbers for direct communication related to mortgage inquiries, appointment scheduling, mortgage application updates, renewal updates, document requests, follow-up communication, and customer support.

Mobile phone numbers and SMS opt-in information will not be shared, sold, rented, or transferred to third parties for marketing or promotional purposes.

Message frequency may vary depending on your interaction with Mortgage Allies and the status of your inquiry, application, or service request. Message and data rates may apply based on your mobile carrier plan.

You may opt out of SMS communications at any time by replying STOP to any message. For assistance, reply HELP or contact Mortgage Allies through our website at https://mortgageallies.ca/contact/.

We may use third-party analytics providers, such as Google Analytics, to help monitor and analyze website traffic and usage. These providers may collect information such as pages visited, time spent on the website, device and browser information, and approximate location derived from technical information.

You can learn more about Google’s privacy practices at https://policies.google.com/privacy. You can also use the Google Analytics opt-out browser add-on where available.

Mortgage Allies retains personal information only for as long as reasonably necessary for the purposes described in this Privacy Policy, including to provide services, respond to inquiries, support mortgage-related requests, meet legal or regulatory obligations, resolve disputes, enforce agreements, maintain business records, and protect against fraud or misuse.

Retention periods may vary depending on the type of information, the nature of the service, lender or regulatory requirements, legal limitation periods, and business recordkeeping needs. When personal information is no longer required, we will securely delete, destroy, anonymize, or otherwise dispose of it in accordance with applicable requirements and our internal practices.

We use reasonable physical, administrative, and technical safeguards designed to protect personal information against unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks.

No method of transmission over the Internet or electronic storage is completely secure. While we take reasonable steps to protect personal information, we cannot guarantee absolute security.

Your personal information may be stored or processed in Canada or in other jurisdictions where our service providers or their systems are located. Privacy laws in those jurisdictions may differ from those in your province, territory, or country.

When we use service providers, we take reasonable steps to ensure personal information is handled securely and in accordance with this Privacy Policy.

You may request access to personal information we hold about you, ask that inaccurate or incomplete information be corrected, or ask questions about our privacy practices.

You may also withdraw consent to certain uses or disclosures of your personal information, subject to legal, regulatory, contractual, and practical limits. Withdrawal of consent may affect our ability to provide services to you.

We may need to verify your identity before responding to a request. To make a privacy request, please contact us through https://mortgageallies.ca/contact/.

We rely on you to provide accurate, complete, and current information. If your personal information changes, please contact us so we can update our records where appropriate.

The Service is intended for individuals seeking mortgage-related information or services and is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13 without appropriate consent. If you believe a child has provided personal information to us, please contact us so we can take appropriate steps.

The Service may contain links to websites or services operated by third parties. We are not responsible for the content, privacy policies, or practices of third-party websites or services. We encourage you to review the privacy policy of every website you visit.

Some browsers may transmit “Do Not Track” signals. The Service does not currently respond to Do Not Track signals. You can manage cookies and tracking preferences through your browser settings and other available tools.

We may update this Privacy Policy from time to time. Changes are effective when posted on this page. If we make material changes, we will take reasonable steps to provide notice, such as updating the “Last updated” date or posting a notice on the Service.

You are encouraged to review this Privacy Policy periodically.

Your use of the Service is also governed by our Terms and Conditions, available at https://mortgageallies.ca/terms-and-conditions/.

If you have questions about this Privacy Policy, SMS communications, or how Mortgage Allies handles personal information, please contact us through https://mortgageallies.ca/contact/.