Effective Date: July 2026

At Integrity Tree Mortgages Inc., we are committed to protecting your privacy and safeguarding your personal information. We understand the importance of maintaining your trust and have implemented policies, procedures, and security measures designed to protect the confidentiality, accuracy, and integrity of the personal information entrusted to us.

This Privacy Policy explains how Integrity Tree Mortgages Inc. collects, uses, discloses, stores, and protects your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

This Privacy Policy applies to all personal information collected by Integrity Tree Mortgages Inc., including information collected from:

• Clients and prospective clients
• Co-applicants and guarantors
• Website visitors
• Individuals who contact us
• Individuals applying for employment
• Any person who interacts with our brokerage

It applies whether information is collected online, by telephone, by email, in person, or through one of our Mortgage Brokers or Mortgage Agents.

Personal information means information about an identifiable individual. Examples include:

• Name
• Address
• Telephone number
• Email address
• Date of birth
• Employment information
• Income information
• Banking information
• Credit history
• Assets and liabilities
• Mortgage details
• Government-issued identification where legally required

Anonymous or aggregated information that cannot identify an individual is not considered personal information.

Depending on the services you request, we may collect:

• Contact information
• Employment and income information
• Financial information
• Credit information
• Property information
• Mortgage application information
• Banking details
• Government-issued identification where required by law
• Information necessary to verify identity and prevent fraud

We generally collect information directly from you. With your consent, we may also collect information from:

• Credit bureaus
• Financial institutions
• Mortgage lenders
• Employers
• Lawyers
• Appraisers
• Insurance providers
• Government agencies
• Other authorized third parties

We use your information to:

• Assess mortgage financing options
• Process mortgage applications
• Verify identity
• Confirm creditworthiness
• Communicate with lenders
• Arrange mortgage funding
• Provide mortgage advice
• Respond to inquiries
• Improve our services
• Meet legal and regulatory requirements
• Prevent fraud
• Maintain accurate records
• Communicate with you regarding products and services that may be relevant to your mortgage needs (subject to your marketing preferences)

We will only use your personal information for purposes that are reasonable and consistent with your consent or as otherwise permitted by law.

By providing your personal information to Integrity Tree Mortgages Inc., you consent to its collection, use, and disclosure as described in this Privacy Policy.

Consent may be obtained:

• In writing
• Electronically
• Verbally where appropriate
• Through signed mortgage application documents

You may withdraw your consent at any time, subject to legal or contractual restrictions. 

Please note that withdrawing consent may limit our ability to provide mortgage services.

We do not sell your personal information.

Your information may be shared only where necessary, including with:

• Mortgage lenders
• Financial institutions
• Credit reporting agencies
• Insurers
• Lawyers
• Appraisers
• Mortgage insurers
• Service providers assisting us in delivering mortgage services
• Regulators where required by law
• Government authorities where legally required

All third-party providers are expected to protect your information and use it only for the services they provide.

When you visit our website, we may automatically collect certain technical information, including:

• IP address
• Browser type
• Device information
• Pages visited
• Time spent on our website
• Referral sources

This information helps us improve our website and enhance the user experience.

If you complete an online inquiry or mortgage application, we collect only the information necessary to respond to your request or process your application.

Our website uses cookies and analytics technologies to:

• Improve website functionality
• Understand visitor behaviour
• Measure website performance
• Enhance your browsing experience

You may disable cookies through your browser settings; however, some website features may not function properly.

We use Google Analytics to understand how visitors use our website.

Google Analytics collects anonymous information such as:

• Pages visited
• Device type
• Approximate location
• Time spent on the website

This information cannot be used by us to personally identify individual visitors.

If you subscribe to receive communications from us, we may send:

• Mortgage updates
• Interest rate information
• Industry news
• Educational content
• Promotional offers

You may unsubscribe at any time using the unsubscribe link included in our emails or by contacting us directly.

Integrity Tree Mortgages Inc. maintains physical, organizational, and technological safeguards designed to protect your information from:

• Unauthorized access
• Loss
• Theft
• Misuse
• Disclosure
• Alteration

Access to personal information is limited to individuals who require it to perform their duties.

We retain personal information only as long as necessary to:

• Provide mortgage services
• Meet legal obligations
• Satisfy regulatory requirements
• Resolve disputes
• Enforce agreements

Once no longer required, personal information is securely destroyed or anonymized.

You may request access to your personal information or request corrections if you believe information is inaccurate.

Requests may be made by contacting our Privacy Officer.

Certain limitations may apply where permitted by law.

Some service providers may store or process information outside Canada. In those circumstances, your information may be subject to the laws of the jurisdiction where it is stored.

We may update this Privacy Policy periodically to reflect changes in legislation, technology, or our business practices.

The most current version will always be available on our website.

If you have any questions regarding this Privacy Policy or wish to access or correct your personal information, please contact:

Patrick Soy
CEO | Principal Broker | Compliance Officer

Integrity Tree Mortgages Inc.

📧 management@integritymortgages.ca

📞 647-808-7885