Privacy Policy

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Privacy Policy

Last updated: Aug 8th, 2025

At Mortgages with Andy, we are committed to protecting your personal information and complying with all relevant privacy legislation, including the PIPEDA and regulations set forth by the FSRA.

This Privacy Policy outlines how we collect, use, share, and protect your information when you use our website, engage with our advertisements, or access our mortgage services.

1. Information We Collect

We collect personal information directly from you and through digital interactions. This may include:

  • Contact Information: Name, phone number, email address, mailing address

  • Identification: Government-issued IDs, SIN (if required by lender)

  • Financial Information: Employment details, income, credit history, liabilities, assets

  • Transactional Information: Mortgage goals, pre-approval or refinancing information

  • Marketing Data: Interaction with our ads and content on platforms such as Facebook, Instagram, Google, and others

  • Technical Data: IP address, device type, cookies, browser type, interaction history

2. How We Collect Your Information

We collect information via:

  • Online forms (mortgage applications, contact forms, newsletter signups)

  • Phone or email communication

  • Advertisements and social media (via tracking tools like Facebook Pixel and Google Ads Tag)

  • Third-party mortgage platforms and lender portals

  • Publicly available sources, with your consent where required

3. How We Use Your Information

We use your personal information to:

  • Assess mortgage eligibility and provide tailored mortgage solutions

  • Submit mortgage applications to FSRA-licensed lenders on your behalf

  • Communicate with you regarding mortgage products, market updates, and renewal reminders

  • Improve our website, advertising effectiveness, and client experience

  • Send educational content or promotional offers (with your consent)

  • Comply with FSRA regulations and anti-money laundering requirements

4. Advertising and Analytics

We use digital marketing platforms including, but not limited to:

  • Facebook / Instagram (Meta)

  • Google Ads / YouTube

  • LinkedIn

  • Other programmatic ad networks

We use cookies, Facebook Pixel, Google Analytics, and similar tools to analyze user behavior, retarget visitors, and improve ad relevance.

You can manage ad preferences here:

We do not sell your personal data to third parties.

5. Disclosure to Lenders and Third Parties

As part of the mortgage process, we may share your information with:

  • FSRA-licensed mortgage lenders and financial institutions

  • Mortgage insurers (e.g., CMHC, Sagen, Canada Guaranty)

  • Credit bureaus, if you consent to a credit check

  • Lawyers, appraisers, or other professionals as required for closing

  • Third-party service providers (e.g., CRM, document storage, e-signature tools)

All third parties are bound by confidentiality agreements or privacy policies that align with PIPEDA and FSRA guidelines.

6. Your Consent and Rights

We will obtain your express or implied consent to collect, use, and disclose your personal information. You have the right to:

  • Withdraw consent at any time (subject to legal or contractual restrictions)

  • Access or correct your personal data

  • Request deletion or portability of your data

  • Opt out of marketing communications

To exercise these rights, please email to us on andy@mortgageswithandy.com. 

7. Data Security

We implement industry-standard safeguards to protect your data, including:

  • Encrypted storage

  • Secure transmission (SSL/TLS)

  • Access controls and password protection

  • Regular monitoring and updates

8. Retention of Information

We retain personal data only as long as necessary to fulfill the purposes outlined in this policy or to comply with legal, tax, or regulatory obligations.

9. Links to Other Websites

Our site or communications may link to third-party websites. We are not responsible for their privacy practices. We recommend reviewing their privacy policies before submitting any personal information.

10. Updates to This Policy

We may update this Privacy Policy as our services, technology, or legal obligations evolve. We encourage you to review this page periodically.