Kingdom Mortgages Privacy Policy  

At Kingdom Mortgages Inc, Brokerage # 13608 we value the privacy of our clients and are committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

We collect personal information that is necessary for providing mortgage brokerage services, including but not limited to:

● Name, email address, phone number

● Home address, employment details, and income information

● Assets, debts, and financial documentation

● Credit bureau information

● Mortgage details, purchase contracts, and rental information

This information is collected to assist with mortgage pre-qualification, applications, and approvals, and to provide customer support.

We collect personal information in several ways:

● Directly from you through email, phone conversations, or secure online forms

● Via our secure mortgage application software, which uses bank-grade security

● Through our CRM system to manage your data for marketing, support, and other

services

We also use credit bureau services to collect financial data, and your explicit consent is required to share this information with lenders.

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected. Unqualified leads may be placed into our marketing drip campaigns, where you can receive automated messages or updates unless you opt out.

We implement robust security measures to protect your personal information, including:

● Bank-grade security for online mortgage applications

● Two-factor authentication and access controls for our systems

● Regular reviews and updates to our security practices

All personal information is stored locally, in the cloud, in our CRM system, or in mortgage- specific software. We ensure that any third-party service providers comply with Canadian

privacy laws and provide appropriate safeguards for your data.

We do not sell your personal information. We may share it with third parties, such as:

● Lenders and credit bureaus for mortgage processing

● Our CRM system for managing customer relationships and marketing purposes

● Facebook and other advertising platforms for ad targeting, Custom Audiences, or tracking (only with your consent)

Some of our third-party service providers are based in the U.S., but we ensure that all cross- border data transfers comply with Canadian privacy laws.

We may use your personal information to send you marketing communications about our services, including mortgage updates, promotions, and newsletters. You can opt out of these communications at any time by clicking the “Unsubscribe” link in emails or replying “STOP” to SMS messages.

If you interact with our Facebook ads, we may use Facebook Pixel to track your website activity and improve our targeting. Any data used for lookalike or Custom Audiences is uploaded securely and only with your prior consent.

We do not knowingly collect personal information from individuals under the age of 18. As part of our mortgage application process, we verify the identity of our clients, including confirming their date of birth, to ensure compliance with Canadian law.

You have the right to:

● Access the personal information we hold about you

● Correct or update your personal information

● Request deletion of your data from our systems and third-party platforms

If you wish to exercise any of these rights, please contact us at schunkerr@gmail.com We will respond to your request in a timely manner.

In the event of a data breach, we will notify affected individuals via email, explaining the nature of the breach, the steps we are taking to address it, and any actions you may need to take.

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us:

Name: Rodney Schunker – Principal Broker

Email: schunkerr@gmail.com or rschunker@kingdommortgages.ca

Tel: 416-697-6423

Address: 2250 Bovaird Drive E, Suite 304, Brampton L6R 0W3

Additional information may be required from you for the purposes of your employment contract, independent contractor agreement, or to allow us to comply with the MBLAA, 2006 or other laws and regulations. You will be notified of what information is required and why we require it at the time it is requested.

The following Ten Principles govern our actions as they relate to the use of your personal information:



1. Accountability

2. Identifying Purpose

3. Consent

4. Limiting Collection

5. Limiting Use, Disclosure and Retention

6. Accuracy

7. Safeguarding Personal Information

8. Openness

9. Accessing and Amending Your Information

10. Addressing Mortgage Expert Complaints

Principle 1 – Accountability

We are accountable for all personal information in our possession or custody, including personal information disclosed to third parties for the purpose of providing services requested by you.

Principle 2 – Identifying Purposes

We will inform you of the purposes for which we are collecting any personal information, either before, or at the time the information is collected.

Principle 3 – Consent

We will obtain consent from you before or when we collect, use or disclose your personal information.

Principle 4 – Limiting Collection

The information collected will be limited to those details necessary for the purposes we have identified that relate to managing our relationship with you. Information will be collected by fair and lawful means.

Principle 5 – Limiting Use, Disclosure and Retention
Personal information will only be used or disclosed for the purpose for which it was collected unless you have otherwise consented, or when it is required or permitted by law. In certain exceptional circumstances, we may have a legal duty or right to disclose personal information without your knowledge or consent with respect to matters that concern the

company’s or the public’s interest.

Principle 6 – Accuracy

We will keep personal information as accurate, complete and current as necessary to fulfill the identified purposes for which it was collected. You may have this information amended where it is found to be inaccurate or incomplete.

Principle 7 – Safeguarding Personal Information

Personal information is safeguarded using measures appropriate to the sensitivity of the information. All personal records will be securely safeguarded to protect against theft and/or

falsification of the information.

Principle 8 – Openness

We will make information available to you about the Policies and Procedures we use to manage personal information.

Principle 9 – Individual Access – Accessing and Amending Information

Upon written request, you will be informed of the existence, use and disclosure of your personal information, and will be given access to it. We will respond to such requests as efficiently as possible. If we are prohibited from providing such access, we will explain the reasons for the lack of access, except where prohibited by law.

Principle 10 – Addressing Complaints and Suggestions

You may challenge Kingdom Mortgages Inc compliance with the Privacy Policy. We have policies and procedures to receive, investigate and respond to your complaints and questions. You may also contact our Privacy Officer to express any concerns or to request access to your personal information. The contact information for this individual is provided below.

Effective Date: October 15 th , 2023