Mortgage InGenuity Privacy Policy

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Effective Date: January 1, 2006 | Updated as required

At Mortgage InGenuity Inc., we are committed to providing excellent service while protecting your privacy and ensuring the highest level of security. In this policy, “MI” or “Mortgage InGenuity ” refers to Mortgage InGenuity Inc. and its affiliates, including Dominion Lending Centres Group and MA Mortgage Architects inc., which fully adheres to this Privacy Policy and enforces its standards locally.

Overview
This Privacy Policy outlines how we collect, use, protect, and disclose personal information gathered through our website. Our goal is to maintain your trust by safeguarding your personal data and being transparent about how we handle it.

What Personal Information Do We Collect Online?
We may collect personal information from you when you complete applications, forms, or interact with our website. This may include, but is not limited to:

• Full name, address, email address, and phone number
• Social Insurance Number
• Financial and account details
• Credit information and reports
• Transactional data from interactions with MI its affiliates, or service providers
   

Why We Collect Personal Information
We collect your personal information to:

• Evaluate eligibility for our mortgage products and services
• Communicate with you regarding your inquiries or application
• Obtain credit reports and financial data to assist in financial recommendations
• Conduct internal research and marketing tailored to your needs (if consent is provided)

 When Is Information Collected?
Personal information is collected when you:

• Fill out a form or application on our website
• Register or update your user profile
• Communicate with our team through online platforms
   

 Cookies and Online Tracking Technologies
Some of our websites may use cookies or similar technologies to enhance your experience and personalize content. Cookies help us:

• Measure website traffic and activity
• Remember user preferences
• Customize your experience during repeat visits
• Collect anonymous data for marketing performance and website improvement
  
  Information such as time on site, pages viewed, referral source, and ISP may be recorded. These technologies do not collect personal data and are used solely for analytics and personalization.

Online Advertising and Google Analytics
We may participate in Targeted Advertising, Remarketing, and Google Analytics to serve you more relevant content and ads based on your previous interactions with our website.

Third-party ad networks (including Google) use cookies and web beacons to track non-identifiable behavioral data. This helps us improve ad performance and user experience. These cookies do not collect personal or financial information.

You can manage or opt out of targeted advertising by visiting:

• Digital Advertising Alliance
• Network Advertising Initiative
• Google Ad Preferences
• Google Analytics Opt-Out

Sharing of Personal Information

We may share your information only under the following conditions:

• With our affiliates, service providers, or suppliers to fulfill your requests
• With credit bureaus as permitted by law
• As required to comply with legal or regulatory obligations
  
  We do not sell your personal information to third parties. All partners and service providers are contractually bound to maintain the confidentiality and security of your data.
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Reviewing and Updating Your Information
We strive to maintain accurate records. You may request to review, update, or correct your personal information at any time. If you're unable to edit your information online, please contact our office for assistance.

Data Security
We take your privacy seriously and have implemented safeguards to protect your information:

• Restricted employee access to sensitive data
• Secure physical, electronic, and procedural protections
• Certified data storage and third-party destruction protocols for physical documents
  
  Canadian Anti-Spam Legislation (CASL) Compliance
  In accordance with Canada’s Anti-Spam Legislation (CASL) effective July 1, 2014, we are required to obtain your express consent before sending marketing-related emails about our services, events, and promotions. You may unsubscribe at any time by following the link in any marketing email or by contacting us directly.

Contact Information
 

Mortgage InGenuity Inc.

C112-151 Frobisher Drive 

Waterloo, ON N2V2C9
Phone: 226-666-7301

compliance@mortgageingenuity.ca

Policy Updates
This Privacy Policy may be updated periodically without notice. Any changes will be posted on our website promptly. Mortgage InGenuity Inc. complies with the Personal Information Protection and Electronic Documents Act (PIPEDA) and the Mortgage Brokerages, Lenders and Administrators Act.