Privacy Policy

Effective Date: September 20, 2025

At Stress Free Mortgages, your privacy is important to us. We are committed to protecting the personal information you provide and handling it responsibly. This Privacy Policy explains how we collect, use, share, and safeguard 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 necessary to provide mortgage brokerage services, including but not limited to:

• Name, email address, and phone number

• Home address, employment and income details

• Assets, debts, and financial documentation

• Credit bureau reports

• Mortgage details, purchase contracts, or rental information

• This information allows us to evaluate mortgage options, assist with applications, and provide support.

2. How We Collect Your Information

We collect information in the following ways:

• Directly from you through phone, email, SMS, or secure online forms

• Via our mortgage application platform (protected with bank-grade security)

• Through our CRM system for client management and communication

• From credit bureaus, with your explicit consent

3. How We Use Your Information

Your information may be used for:

• Processing mortgage pre-qualifications and applications

• Communicating with you about your application or inquiry

• Providing ongoing customer support

• Sharing updates, newsletters, or promotions (only with your consent and always with opt-out options)

• Improving our website and advertising effectiveness (via tools like Facebook Pixel or similar tracking technologies, only with consent)

• We may share your information with lenders and credit bureaus strictly for the purpose of mortgage processing. Your consent is always required before sharing.

4. Data Retention

We retain your personal information only as long as necessary to provide services or meet legal obligations.

• Leads who do not qualify may be added to our nurture campaigns to receive helpful updates, unless you choose to opt out.

• You can request deletion of your information at any time.

5. Data Security

We use strong safeguards to protect your information, including:

• Bank-grade encryption for online applications

• Two-factor authentication and restricted staff access

• Regular security reviews of our systems and providers

• Your information may be stored in secure local systems, our CRM, or mortgage-specific software. Any third-party providers we use are required to comply with Canadian privacy laws.

6. Sharing with Third Parties

We do not sell your personal information. We may share it with trusted partners such as:

• Lenders and credit bureaus (for mortgage processing)

• CRM and marketing platforms (for customer communication)

• Advertising platforms (e.g., Facebook, Google) — only with your prior consent

• Some service providers may be located outside of Canada, but we ensure appropriate safeguards for cross-border data transfers.

7. Marketing Communications

With your consent, we may send you updates about:

• Mortgage opportunities and rate changes

• Educational content and helpful tips

• Promotions or special offers

• You can unsubscribe at any time by clicking “Unsubscribe” in our emails or replying STOP to SMS messages.

8. Children’s Privacy

We do not knowingly collect personal information from individuals under the age of 18. Applicants must provide valid ID and proof of age during the mortgage process.

9. Your Rights

You have the right to:

• Access the personal information we hold about you

• Request corrections or updates

• Request deletion of your personal information from our systems

• To exercise these rights, please contact us at: [email protected]. We will respond promptly.

10. Data Breach Notification

If a data breach occurs, we will notify affected individuals without delay. The notice will explain the breach, steps taken to resolve it, and any actions you may need to take.

11. Updates to This Policy

We may update this Privacy Policy occasionally. Any changes will be posted on our website, with the new effective date shown at the top.