Mortgage Privacy Policy - Integrity Tree Mortgages Inc.

Effective Date: July 2026

At Integrity Tree Mortgages Inc., we are dedicated to ensuring your personal information protection and maintaining your privacy. We recognize the significance of your trust and have established policies, procedures, and security measures designed to protect the confidentiality, accuracy, and integrity of the personal information you share with us.

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

Who This Policy Applies To

This Privacy Policy is applicable to all personal information collected by Integrity Tree Mortgages Inc., which includes information gathered from:

- Clients and prospective clients

- Co-applicants and guarantors

- Website visitors

- Individuals who contact us

- Individuals applying for employment

- Anyone who interacts with our brokerage

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

What is Personal Information?

Personal information refers to data 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 deemed personal information.

Information We Collect

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 when required by law

- Information needed to verify identity and prevent fraud

Typically, we collect information directly from you. With your consent, we may also gather information from:

- Credit bureaus

- Financial institutions

- Mortgage lenders

- Employers

- Lawyers

- Appraisers

- Insurance providers

- Government agencies

- Other authorized third parties

How We Use Your Information

We utilize 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, including PIPEDA compliance

- Prevent fraud

- Maintain accurate records

- Communicate with you regarding relevant products and services for your mortgage needs (subject to your marketing preferences)

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

Your Consent

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

Consent may be obtained:

- In writing

- Electronically

- Verbally where appropriate

- Through signed mortgage application documents

You can withdraw your consent at any time, subject to legal or contractual restrictions. Please note that withdrawing consent may limit our ability to deliver mortgage services.

Sharing Your Information

We do not sell your personal information.

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

- Mortgage lenders

- Financial institutions

- Credit reporting agencies

- Insurers

- Lawyers

- Appraisers

- Mortgage insurers

- Service providers assisting us in providing mortgage services

- Regulators as required by law

- Government authorities where legally required

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

Website Privacy

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

- IP address

- Browser type

- Device information

- Pages visited

- Time spent on our website

- Referral sources

This information aids us in improving our website and enhancing the user experience.

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

Cookies

Our website uses cookies and analytics technologies to:

- Improve website functionality

- Understand visitor behavior

- Measure website performance

- Enhance your browsing experience

You can disable cookies through your browser settings; however, some website features may not work effectively.

Google Analytics

We utilize Google Analytics to comprehend how visitors engage with our website.

Google Analytics gathers anonymous information such as:

- Pages visited

- Device type

- Approximate location

- Time spent on the website

This information cannot be used to personally identify individual visitors.

Marketing Communications

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

- Mortgage updates

- Interest rate information

- Industry news

- Educational content

- Promotional offers

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

Protecting Your Information

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

- Unauthorized access

- Loss

- Theft

- Misuse

- Disclosure

- Alteration

Access to personal information is restricted to individuals who require it to fulfill their duties.

Retention of Information

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.

Accessing or Correcting Your Information

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

Requests may be made by contacting our Privacy Officer.

Certain limitations may apply as permitted by law.

Information Stored Outside Canada

Some service providers may store or process information outside Canada. In such cases, your information may be subject to the laws of the jurisdiction in which it is stored.

Changes to This Policy

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.

Contact Us

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