Caliber Mortgage Inc. (“Caliber Mortgage,” “we,” “our,” or “us”) respects the privacy and confidentiality of our clients' personal information. As a licensed mortgage brokerage regulated by the Financial Services Regulatory Authority of Ontario (FSRA Licence #13368), we adhere strictly to the privacy principles set out under the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

This Privacy Policy outlines how we collect, use, disclose, and protect your personal information when you visit our website (calibermortgage.ca) or use our mortgage brokerage services.

​

​

1. Collection of Personal Information

To provide you with customized mortgage solutions, pre-approvals, renewals, or refinancing options, we must collect personal information. We typically collect this information directly from you through online application forms, emails, phone consultations, or in-person meetings. This includes:

• Identification & Contact Information: Full name, home address, phone numbers, email address, date of birth, and government-issued identification.

• Financial & Employment Information: Employment history, income details (T4s, Notices of Assessment), banking information, asset and liability details, and credit history (via credit reporting agencies).

• Property Details: Details concerning the real estate property you wish to purchase, refinance, or use as collateral.

• Website & Technical Data: Information collected automatically when visiting our website, such as your IP address, browser type, pages viewed, and access times through cookies and analytics tools.

​

​

2. Use of Personal Information

We use your personal information solely for the purposes identified at or before the time of collection, or as permitted by law, including:

• Assessing your financial situation to determine mortgage eligibility and finding the best rates and products across Canadian lenders.

• Submitting mortgage applications to chartered banks, institutional lenders, and mortgage default insurers (e.g., CMHC, Sagen, Canada Guaranty).

• Verifying your identity and complying with anti-money laundering and regulatory requirements mandated by FSRA and federal laws.

• Communicating with you regarding the status of your mortgage application, renewals, or relevant financial updates.

• Improving our website performance, client experience, and internal record-keeping.

​

​

3. Disclosure of Personal Information

Caliber Mortgage does not sell, rent, or trade your personal information to third parties for marketing purposes. We disclose your personal information only to necessary parties involved in your mortgage transaction, such as:

• Lenders and Insurers: To secure mortgage approvals and rate commitments.

• Credit Bureaus: To obtain and review credit scores and reports with your explicit consent.

• Third-Party Service Providers: Legal counsel, appraisers, title insurance companies, and administrative or IT service providers who assist us in operating our business under strict confidentiality agreements.

• Regulatory & Legal Authorities: When required to satisfy FSRA guidelines, legal obligations, subpoenas, or court orders.

​

​

4. Consent

By providing us with your personal information, you consent to our collection, use, and disclosure of that information as outlined in this Privacy Policy. You may withdraw your consent at any time (subject to legal or contractual restrictions and reasonable notice) by contacting us directly. Please note that withdrawing consent may prevent us from processing your mortgage application or providing ongoing services.

​

​

5. Security Safeguards

We protect personal information in our custody or control using physical, technological, and administrative security measures. These include secure electronic servers, encrypted communication channels, restricted employee access on a need-to-know basis, and secure document disposal procedures.

​

​

6. Accessing and Correcting Your Information

You have the right to request access to, or correction of, the personal information we hold about you. To review or update your information, please submit a written request to our privacy compliance team using the contact details below.

​

​

7. Contact Us

If you have any questions, concerns, or complaints regarding this Privacy Policy or how your personal information is handled,

please contact us at:

Caliber Mortgage Inc.

175 West Beaver Creek Rd, Unit 8

Richmond Hill, ON L4B 3M1

Phone: (905) 597-9116

Email: info@calibermortgage.ca