Privacy Policy

1. Information We Collect

When you use our contact form or communicate with us, we may collect the following personal information:

• Full name
• Email address
• Phone number
• Mortgage situation details you voluntarily provide
• Service preferences
• Any additional information you include in your message

2. How We Use Your Information

We use the information you provide solely for the purpose of:

• Responding to your inquiry and contacting you about mortgage advisory services
• Providing mortgage advisory and brokerage services tailored to your situation
• Communicating updates relevant to your mortgage application or inquiry
• Complying with legal and regulatory requirements

3. Third-Party Sharing

We do not sell or rent your personal information to third parties. We may share your information with lenders, insurers, or other financial service providers only with your explicit consent and only as necessary to process your mortgage application. We may also disclose information as required by law or regulatory authorities.

4. Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. Contact form submissions are retained for the duration of our business relationship plus any period required by regulatory obligations. You may request deletion of your data at any time.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Your Rights Under PIPEDA

Under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

• Know what data we collect and how it's used
• Access your personal information held by us
• Request correction of inaccurate information
• Withdraw consent for the use of your information, including analytics tracking
• Request deletion of your personal data
• File a complaint with the Office of the Privacy Commissioner of Canada

Contact us at jaysinghmortgage@gmail.com for any privacy-related requests.

7. Cookies and Analytics

This website uses both essential cookies for site functionality and analytics services to improve user experience. Here's how we use cookies and analytics:

Google Analytics 4

We use Google Analytics to understand how visitors interact with our website. This service collects anonymous data about page views, traffic sources, and user behavior. Google Analytics uses cookies to distinguish unique users. IP addresses are anonymized. You can opt out by declining cookies on our consent banner or by installing the Google Analytics Opt-out Browser Add-on at https://tools.google.com/dlpage/gaoptout.

Vercel Web Analytics

We use Vercel Web Analytics for basic page view statistics. This service is privacy-friendly and does NOT use cookies or collect personal data.

Retargeting Pixels

We may use Google Ads and Meta (Facebook) tracking pixels for advertising purposes. These help us show relevant ads to people who have visited our website. You can control ad preferences through Google Ad Settings and Facebook Ad Preferences.

Cookie Consent

On your first visit, you'll see a cookie consent banner. You can accept or decline analytics cookies. If you decline, no tracking cookies will be set (only essential cookies for site functionality). You can change your preference at any time by clearing your browser's localStorage.

8. Contact Us

For privacy inquiries, data access requests, or to exercise any of your rights, please contact us at jaysinghmortgage@gmail.com.