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Privacy Policy

1. Who We Are

This Privacy Policy applies to Matthew Shaw-Ward, a licensed Mortgage Agent Level 1 (Lic. M25002611) operating on behalf of The Mortgage Wellness Group Limited (Lic. #11970), a licensed mortgage brokerage. Each office is independently owned and operated. Member of the Verico network. We are regulated by the Financial Services Regulatory Authority of Ontario (FSRA) under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA). "We," "our," and "I" refer to Matthew Shaw-Ward and The Mortgage Wellness Group Limited collectively.

Privacy contact: matthewsw@mortgagewellness.ca

2. Our Commitment

We are committed to protecting your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation. We collect only what is necessary, use it only for stated purposes, and protect it with appropriate safeguards.

3. Information We Collect

When you submit the pre-qualification form, we collect:

• Contact information: first name, last name, email address, phone number
• Property information: property type, estimated property value, current mortgage balance, number of existing mortgages
• Financial information: employment status, approximate credit score range, outstanding debt, desired borrowing amount
• Mortgage goal: your stated reason for seeking mortgage assistance

4. Why We Collect This Information

Your information is collected to:

• Assess your eligibility for mortgage financing and identify suitable lender options
• Contact you to discuss your mortgage inquiry
• Prepare and submit mortgage applications to lenders on your behalf, if you choose to proceed
• Comply with regulatory record-keeping requirements under the MBLAA and anti-money laundering obligations under FINTRAC

5. Your Consent

By submitting the pre-qualification form and checking the consent checkbox, you provide express consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw consent at any time by contacting us at matthewsw@mortgagewellness.ca, subject to legal or contractual restrictions and reasonable notice.

6. How We Use Your Information

We use your information to evaluate your mortgage needs, contact you by phone, email, or text message regarding your inquiry, and — if you choose to proceed — to shop your mortgage file across our lender network to find suitable options on your behalf.

7. Who We Share Your Information With

We share your information only as necessary:

• Lenders and financial institutions: when submitting a mortgage application on your behalf, with your authorization
• The Mortgage Wellness Group Limited (brokerage, Lic. #11970): for brokerage oversight, compliance, and record-keeping as required by FSRA
• Verico Financial Group Inc.: as the franchisor network, Verico may have access to brokerage-level compliance data as required under the network agreement. See verico.ca.
• Formspree Inc.: our secure form processing service, acting as a data processor only. Formspree transmits your form submission to us and does not use your information for any independent purpose. See Formspree's Privacy Policy.

We do not sell, rent, or trade your personal information to any third party for marketing purposes.

8. Data Security

We take reasonable technical and organizational measures to protect your personal information from unauthorized access, use, disclosure, or loss. All form submissions are transmitted via SSL/TLS encryption. Access to your information is restricted to those with a legitimate need.

9. How Long We Keep Your Information

• If you become a mortgage client: minimum 7 years as required by the MBLAA
• If your inquiry does not proceed to a mortgage application: up to 2 years, after which it is securely deleted or anonymized

10. Your Rights Under PIPEDA

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that inaccurate or incomplete information be corrected
• Withdrawal: Withdraw your consent at any time (subject to legal requirements)
• Deletion: Request deletion of your information (subject to our retention obligations)

To exercise any of these rights, contact us at matthewsw@mortgagewellness.ca. We will respond within 30 days.

11. Filing a Complaint

If you have a privacy concern we have not resolved to your satisfaction, you may contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca or 1-800-282-1376.

12. Changes to This Policy

We may update this policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of this form after changes are posted constitutes acceptance of the updated policy.

13. Contact

Matthew Shaw-Ward · Mortgage Agent Level 1 · Lic. M25002611
The Mortgage Wellness Group Limited · Lic. #11970 · Member of Verico
Ontario · (705) 817-1511
matthewsw@mortgagewellness.ca