Legal
Privacy Policy
What we collect when you contact us or use our calculators, why we collect it, who sees it, how long we keep it, and how to access or correct your information.
Reviewed November 13, 2026 · Indicative figures, OAC
Who this policy covers
This policy explains how Mortgage Niagara (mortgageniagara.com), a Niagara Region mortgage advisory, handles personal information. Ontario does not have its own general private-sector privacy law, so the federal Personal Information Protection and Electronic Documents Act (PIPEDA) governs how we collect, use and disclose personal information in the course of our business. Mortgage dealing in Ontario is also regulated by FSRA under the Mortgage Brokerages, Lenders and Administrators Act, 2006, which sets record-keeping and disclosure duties for mortgage files.
Questions about this policy, or requests about your information, go to hello@mortgageniagara.com.
What we collect through the enquiry form
When you submit the enquiry form, we receive the information you choose to enter:
- your goal (buying, renewing or switching, refinancing, investing, or alternative financing);
- the Niagara municipality you are interested in;
- the estimated purchase price or property value, and your down payment or equity;
- your household income type (for example salaried, self-employed, commission or tipped, pension, or rental);
- your estimated credit range;
- your name, email address and phone number;
- any notes you add, such as your timeline;
- the calculator link, if you send your enquiry from a calculator, which records the inputs you used;
- your IP address and the date and time of the submission, recorded by our web server.
We do not ask for your social insurance number, bank account numbers or identity documents through the website form.
What we collect if you apply
If you go on to apply for a pre-approval or mortgage, we collect what lenders and default insurers require: identification, income and employment documents, down payment records, property details, and, with your express consent, a credit report. You will be told what is needed and why at that stage, and you can decline; declining may mean we cannot arrange financing.
Calculators
Our calculators run in your browser. The numbers you type are not sent to us when you use them. They appear in the page's address so you can save or share a result, which means they may be kept in your browser history. They reach us only if you submit the enquiry form, which includes the calculator link.
Why we collect it
- To reply to your enquiry and understand your situation.
- To assess which lenders and products may suit you, and to prepare and submit an application when you ask us to.
- To meet our legal and regulatory obligations, including FSRA disclosure, record-keeping and identity verification rules.
- To keep our website secure and working, and to keep a record of when a request was received.
We do not sell personal information, and we do not use it for unrelated marketing. If you ask us to stop contacting you, we will.
Who sees your information
- Licensed mortgage professionals handling your file. Your enquiry is read by the FSRA-licensed mortgage agent or broker and the brokerage handling it.
- Lenders and default insurers, only with your consent. When you apply, your application is shared with the lender or lenders you agree to, and on an insured mortgage with CMHC, Sagen or Canada Guaranty.
- Others involved in your transaction, with your consent. For example an appraiser ordered by the lender, or your real estate lawyer to complete the closing.
- Service providers. Our hosting and email providers process data on our behalf to run the website and deliver messages. Some may store data outside Ontario or Canada, where it may be subject to the laws of that jurisdiction.
- Where the law requires it. For example, in response to a valid order or a request from a regulator.
Cookies and tracking
We do not use advertising cookies, and we do not place third-party trackers, advertising pixels or social media tracking on this site. If the site stores anything on your device, it is limited to what the site needs to work.
How long we keep it
Enquiries that do not lead to an application are kept only as long as needed to respond and follow up with you, and are then deleted. Information in a mortgage application file is kept for the period required by Ontario's mortgage brokerage record-keeping rules and other applicable laws, then securely destroyed. You can ask us to delete an enquiry at any time, unless we are required to keep it.
How we protect it
The website uses encrypted connections (HTTPS). Access to enquiries and files is limited to the people who need it to handle your request. Lenders and insurers who receive your application are bound by their own privacy obligations. No method of transmission or storage is completely secure, so please do not send identity documents or account numbers by ordinary email; we will arrange a safer method when they are needed.
Your rights
- Access. You can ask what personal information we hold about you and how it has been used and disclosed.
- Correction. You can ask us to correct information that is inaccurate or incomplete.
- Withdraw consent. You can withdraw consent to further use, subject to legal or contractual limits; we will tell you what that means for your application.
- Complain. If you are not satisfied with our answer, you can contact the Office of the Privacy Commissioner of Canada.
Send requests to hello@mortgageniagara.com. We aim to respond within 30 days, as PIPEDA requires, and may need to confirm your identity before releasing information.
Changes to this policy
We may update this policy when our practices or the law change. The current version is always on this page. Last reviewed November 13, 2026.