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Privacy Policy
Effective Date: [Date]
At Mudrick Mortgages, we value the privacy of our clients and are committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
1. Information We Collect
We collect personal information that is necessary for providing mortgage brokerage services, including but not limited to:
• Name, email address, phone number
• Home address, employment details, and income information
• Assets, debts, and financial documentation
• Credit bureau information
• Mortgage details, purchase contracts, and rental information
This information is collected to assist with mortgage pre-qualification, applications, and approvals, and to provide customer support.
2. How We Collect Your Information
We collect personal information in several ways:
• Directly from you through email, phone conversations, or secure online forms
• Via our secure mortgage application software, which uses bank-grade security
• Through our CRM system to manage your data for marketing, support, and other services.
We also use credit bureau services to collect financial data, and your explicit consent is required to share this information with lenders.
3. Use of Personal Information
Your personal information is used for the following purposes:
• Processing mortgage pre-qualifications and applications
• Communicating with you regarding your mortgage application or inquiry
• Providing customer support and maintaining our relationship with you
• Marketing, including newsletters and promotional offers (with opt-out options)
• Tracking interactions on our website and landing pages via Facebook Pixel or other tracking technologies
We may share your personal information with lenders and credit bureaus for mortgage processing purposes. Your consent is always obtained prior to sharing this information.
4. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected. Unqualified leads may be placed into our marketing drip campaigns, where you can receive automated messages or updates unless you opt out.
You can request the deletion of your personal information at any time by contacting us directly.
5. Data Security
We implement robust security measures to protect your personal information, including:
• Bank-grade security for online mortgage applications
• Two-factor authentication and access controls for our systems
• Regular reviews and updates to our security practices
All personal information is stored locally, in the cloud, in our CRM system, or in mortgage-specific software. We ensure that any third-party service providers comply with Canadian privacy laws and provide appropriate safeguards for your data.
6. Data Sharing with Third Parties
We do not sell your personal information. We may share it with third parties, such as:
Some of our third-party service providers are based in the U.S., but we ensure that all cross-border data transfers comply with Canadian privacy laws.
• Lenders and credit bureaus for mortgage processing
• Our CRM system for managing customer relationships and marketing purposes
• Facebook and other advertising platforms for ad targeting, Custom Audiences, or tracking (only with your consent)
Some of our third-party service providers are based in the U.S., but we ensure that all cross-border data transfers comply with Canadian privacy laws.
7. Marketing & Advertising
We may use your personal information to send you marketing communications about our services, including mortgage updates, promotions, and newsletters. You can opt out of these communications at any time by clicking the “Unsubscribe” link in emails or replying “STOP” to SMS messages.
If you interact with our Facebook ads, we may use Facebook Pixel to track your website activity and improve our targeting. Any data used for lookalike or Custom Audiences is uploaded securely and only with your prior consent.
8. Safeguards Against Collecting Children’s Data
We do not knowingly collect personal information from individuals under the age of 18. As part of our mortgage application process, we verify the identity of our clients, including confirming their date of birth, to ensure compliance with Canadian law.
9. Your Rights to Access & Control Your Data
You have the right to:
• Access the personal information we hold about you
• Correct or update your personal information
• Request deletion of your data from our systems and third-party platforms
If you wish to exercise any of these rights, please contact us at [Contact Email]. We will respond to your request in a timely manner.
10. Data Breach Notification
In the event of a data breach, we will notify affected individuals via email, explaining the nature of the breach, the steps we are taking to address it, and any actions you may need to take.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website, and the effective date of the updated policy will be indicated at the top of this page.
12. Contact Us
If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us:
Mudrick Mortgages
Toronto Ontario L3X 1W9
(647) 746-8633
© 2024 Mudrick Mortgages - All Rights Reserved.
Jeff Mudrick, Mortgage Agent 13463
BRX Mortgage (FSRA): 13463