2. Information We Collect
2.1 Personal Data
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Contact Information: Name, email address, phone number, postal address.
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Identity Information: Date of birth, government-issued ID numbers (e.g., passport, driver’s license).
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Financial Information: Bank account details, credit history, mortgage application data, income and employment details.
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Technical Data: IP address, browser type, device identifiers, geolocation data.
2.2 Non-Personal Data
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Anonymous usage data, aggregated statistics, preferences, and cookie identifiers that do not directly identify you.
3. How We Use Your Information
We use your personal data to:
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Provide, personalize, and improve our mortgage brokerage services.
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Process mortgage applications and verify your eligibility.
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Communicate updates, promotional offers, and educational content.
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Comply with legal obligations and financial regulations.
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Analyze usage patterns, enhance our website, and detect/prevent fraud.
4. Legal Basis for Processing
We process your personal data based on one or more of the following legal grounds:
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Consent: When you have given clear consent for us to process your data for specific purposes.
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Contractual Necessity: To fulfill our contractual obligations to you.
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Legal Compliance: To comply with applicable legal and regulatory requirements.
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Legitimate Interests: For our legitimate business interests, provided they do not override your rights.
5. Data Sharing and Disclosure
We may share your personal data with:
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Service Providers: Third-party vendors who support our operations (e.g., payment processors, IT services).
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Lenders and Financial Institutions: To obtain and finalize mortgage offers.
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Regulatory Bodies: As required by law or to respond to legal requests.
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Business Transfers: In connection with a merger, acquisition, or sale of assets, with appropriate safeguards.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience and analyze site usage. You can manage cookie preferences through your browser settings. For details, see our Cookie Policy.
7. Data Retention
We retain personal data only as long as necessary to fulfill the purposes outlined in this policy, comply with legal obligations, resolve disputes, and enforce our agreements.
8. Your Rights
Depending on your jurisdiction, you may have the right to:
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Access, correct, or delete your personal data.
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Restrict or object to our processing of your data.
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Withdraw consent at any time (where processing is based on consent).
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Request data portability.
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Lodge a complaint with your local data protection authority.
To exercise these rights, please contact us using the details in Section 14.
9. Security Measures
We implement appropriate technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction. However, no internet transmission is completely secure.
10. Third-Party Links
Our website may contain links to third-party sites. This Privacy Policy does not apply to those sites. We encourage you to review their privacy policies before providing any personal information.
11. Children’s Privacy
Our services are not intended for children under 16. We do not knowingly collect data from minors. If you believe we have inadvertently collected information about a minor, please contact us to request deletion.
12. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of significant changes via our website or email, and the updated policy will be effective on the “Effective Date” stated above.
