Privacy Policy

Effective October 1, 2024.

At Front Mortgage, your privacy is of utmost importance. We are committed to safeguarding the personal information you entrust to us in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and any applicable provincial legislation.

This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you interact with our website, services, and AI-driven platform.

1. Information We Collect

We collect personal information that is necessary to provide you with mortgage-related services. The types of information we collect may include:

Personal Identification Information: Name, address, phone number, email address, date of birth, Social Insurance Number (SIN), and other personal identifiers.
Financial Information: Credit history, income, employment details, assets, liabilities, and other financial data relevant to your mortgage application.
Digital Interaction Data: Information such as IP addresses, browser type, operating system, and other technical data collected when you interact with our website or mobile platforms.
Communication Data: Messages and information exchanged with our AI assistants (such as Olivia), customer service agents, or during the application process.

2. How We Use Your Information

We use your personal information for the following purposes:

To provide mortgage services: We use your information to identify suitable mortgage products, assist with applications, and manage your relationship with us.
To communicate with you: We may contact you via email, phone, or SMS/WhatsApp to provide updates on your mortgage application, respond to inquiries, or send important notices.
To improve our services: Your data helps us enhance our platform and services, including leveraging AI to improve our mortgage recommendations.
To comply with legal obligations: We may use your data to comply with applicable laws and regulations in Canada.

3. Disclosure of Information

We may disclose your personal information in the following circumstances:

With Lenders and Financial Institutions: To help you secure a mortgage, we may share your information with trusted lenders, brokers, and financial institutions.
With Service Providers: We work with third-party service providers (such as credit bureaus, technology platforms, and marketing agencies) who assist us in delivering services to you.
As Required by Law: We may disclose personal information to regulatory authorities or law enforcement if required by law or if necessary to protect our legal rights.

We do not sell your personal information to third parties for marketing purposes.

4. Consent

By using our services or providing your personal information, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

You may withdraw your consent at any time by contacting us at the details provided below. However, withdrawing consent may affect our ability to provide certain services to you.

5. Data Security

We use industry-standard security measures to protect your personal information from unauthorized access, disclosure, or misuse. Our platform uses encryption, firewalls, and secure servers to safeguard your data.

However, no method of transmission over the internet or electronic storage is 100% secure. We encourage you to take precautions, such as keeping your login credentials confidential.

6. Retention of Personal Information

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal obligations. Once the information is no longer required, we securely dispose of or anonymize it.

7. Your Rights

Under Canadian privacy laws, you have the right to:

Access your personal information held by us.
Correct any inaccuracies in your personal information.
Withdraw consent for certain uses or disclosures of your data.
File a complaint if you believe your privacy rights have been violated.

To exercise your rights, contact us at the details below.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

9. Changes to this Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Any revisions will be posted on our website with the updated effective date.

10. Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy or your personal information, please contact us at:

Front Mortgage
Mail: 2 Bloor Street E. Suite 2020
Toronto, ON M4W 1A8
Email: hello@frontmortgage.ca
Phone: 289-210-9654

By using our services, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your personal information as described herein.