Effective Date: January 19, 2026

Asset Mortgages (“Asset Mortgages”, “we”, “our”, or “us”) is committed to protecting the privacy, confidentiality, and security of the personal information we collect from clients and website visitors. This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, provincial privacy legislation.

1. Personal Information We Collect

We may collect the following types of personal information:

a. Contact Information

• Name
• Address
• Phone number
• Email address

b. Mortgage Application Information

• Employment and income details
• Credit and financial information
• Property information
• Identification documents (e.g., driver’s licence, passport)

c. Communication Information

• Mortgage preferences and inquiries
• Notes related to calls, emails, meetings, and submissions

d. Website & Technical Information

When visiting our website, we may automatically collect information such as:

• IP address
• Browser type
• Device type
• Website usage data via analytics tools or cookies (if enabled).

2. How We Use Personal Information

We may use personal information to:

• Assess mortgage options and suitability
• Complete mortgage applications
• Communicate with clients and respond to inquiries
• Verify identity and prevent fraud
• Comply with regulatory and legal obligations
• Improve website functionality and user experience
• Provide updates, newsletters, or offers (with consent)

3. Consent

We collect and use personal information with your knowledge and consent, except where permitted or required by law. Consent may be expressed (e.g., signing a form) or implied (e.g., submitting information through our website or contacting us).

You may withdraw consent at any time, subject to legal and contractual restrictions.

4. Sharing of Personal Information

We do not sell personal information. We may share personal information with:

• Mortgage lenders and financial institutions
• Credit agencies (with consent)
• Mortgage insurers
• Real estate professionals (with consent)
• Legal professionals (with consent)
• Service providers supporting our operations (e.g., IT, analytics)

We may also disclose information when required by law, regulation, or court order.

5. Retention & Storage

Personal information will be retained only as long as necessary to fulfill the purposes for which it was collected or to comply with legal and regulatory requirements. Information may be stored electronically or physically within Canada or in trusted third-party cloud environments.

6. Security Measures

We implement reasonable physical, organizational, and technological safeguards to protect personal information against:

• Unauthorized access
• Disclosure
• Alteration
• Loss or theft

Examples include encrypted systems, limited access controls, and secure disposal practices.

7. Cookies & Analytics (If Applicable)

Our website may use cookies and analytical tools to enhance user experience and gather anonymous usage data. Visitors may disable cookies through their browser settings, although doing so may impact website functionality.

8. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices or content of third-party sites.

9. Access & Correction Rights

You have the right to request:

• Access to your personal information
• Corrections to inaccurate or incomplete information
• Details about how your information has been used or disclosed

Requests can be made in writing and we may require identification before processing.

10. Children’s Privacy

Our website and services are not intended for individuals under the age of 18, and we do not knowingly collect personal information from minors without parental consent.

11. Changes to This Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website with an updated “Effective Date.”

12. Contact Information

To ask questions, make a complaint, or request access or correction of personal information, please contact:

Privacy Officer

Asset Mortgages

Email: kim@assetmortgages.ca

Phone: (705) 623-0279