Privacy Policy

1. Introduction

Ontario Financial Advisor ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or use our lead-matching services.

Ontario Financial Advisor is a lead-matching platform that connects mortgage seekers with licensed mortgage professionals in Ontario. We facilitate connections and provide educational information — we do not directly provide mortgage advice or services ourselves.

By using our website or services, you agree to the collection and use of information in accordance with this policy. This policy complies with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and Canada's Anti-Spam Legislation (CASL).

2. Information We Collect

Personal Information

When you submit a form, contact us, or use our services, we may collect:

• Name, phone number, and email address
• Financial information related to mortgage applications
• Employment and income details
• Property information

Automatically Collected Information

When you visit our website, we may automatically collect: IP address, browser type, device information, pages visited, time spent on pages, and referring URLs. This information is used for analytics and improving our website.

3. How We Use Your Information

We use your information to:

• Process your mortgage application and provide brokerage services
• Communicate with you about your inquiry or application
• Compare mortgage rates from our lender network
• Improve our website and services
• Comply with legal and regulatory obligations
• Send marketing communications (with your consent)

4. How We Share Your Information

Lead Sharing: To facilitate mortgage connections, we share your information with:

• Licensed mortgage professionals and brokerages in our network
• Financial institutions for mortgage comparison purposes
• Service providers who assist us in operating our platform
• Regulatory authorities as required by law (FSRA, privacy commissioners)
• Professional advisors (lawyers, accountants) as needed

By submitting information through our website, you consent to us sharing your details with licensed mortgage professionals to help you find the right mortgage solution. We do not sell your personal information to third parties, but we do share it for the purpose of connecting you with legitimate mortgage professionals.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet is 100% secure.

6. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations, and resolve disputes. Mortgage records are retained in accordance with FSRA requirements.

7. Your Rights

You have the right to:

• Access your personal information we hold
• Request correction of inaccurate information
• Request deletion of your information (subject to legal requirements)
• Withdraw consent for marketing communications
• Lodge a complaint with a privacy regulator

8. Cookies

Our website uses cookies and similar technologies to enhance your experience, analyze usage, and deliver relevant content. You can control cookie preferences through your browser settings.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies.

10. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date.