PrivacyPolicy

Information We Collect

We may collect personal information that you voluntarily provide when you contact us, request mortgage information, submit an inquiry, apply for a mortgage, subscribe to our newsletter, use a website form, or otherwise communicate with The Mortgage Girl.

Depending on your interaction with our website, the information we collect may include:

* Your name
* Phone number
* Email address
* Mailing or residential address
* Employment or self-employment information
* Information about your income or financial circumstances that you voluntarily provide
* Information about an existing mortgage
* Information about a proposed property purchase
* Information about refinancing, renewal, or home equity needs
* Information about rental or investment properties
* Information included in your inquiry or message
* Information provided through a mortgage application
* Information entered into mortgage-related calculators or tools
* Appointment or scheduling information
* Newsletter subscription information
* Other information you voluntarily provide

Our contact form requests information including your name, phone number, email address, and the mortgage services you are interested in.

Information Collected Automatically

When you visit our website, certain technical information may be collected automatically. This may include your IP address, browser type, device type, operating system, pages visited, referring website, approximate location, date and time of your visit, and information about how you interact with the website.

Our website uses Google Tag Manager and may use cookies, tags, scripts, analytics tools, and similar technologies to operate, maintain, secure, and improve the website and understand how visitors use it.

You can adjust your browser settings to limit or disable cookies. However, disabling certain cookies may affect the functionality or performance of portions of the website.

How We Use Personal Information

The Mortgage Girl may collect and use personal information for purposes including:

* Responding to inquiries and requests
* Providing information about mortgage products and services
* Understanding your mortgage and financing needs
* Discussing potential mortgage solutions
* Preparing or assisting with mortgage applications
* Communicating with you regarding your inquiry or application
* Scheduling consultations or appointments
* Providing information about mortgage rates, products, and options
* Operating mortgage calculators and other website tools
* Sending newsletters and mortgage-related information where you have subscribed or otherwise provided consent
* Maintaining customer and business records
* Operating and improving our website
* Understanding website traffic and visitor behaviour
* Improving our services and customer experience
* Preventing fraud, misuse, or unauthorized access
* Protecting the security and integrity of our website and systems
* Complying with applicable laws, regulatory requirements, and professional obligations
* Fulfilling other purposes for which the information was provided or for which consent has been obtained

The Mortgage Girl offers a range of mortgage services, including home purchases, first-time home buyer mortgages, mortgage pre-approvals, refinancing, renewals, reverse mortgages, second mortgages, commercial mortgage financing, investment property mortgages, private mortgage lending, alternative financing, and other mortgage solutions.

Consent

By providing personal information through our website, you consent to its collection, use, and disclosure for the purposes identified when the information is provided or for purposes reasonably related to those purposes.

Where required by applicable privacy legislation, we will obtain additional consent before using or disclosing personal information for a new purpose.

You may withdraw your consent to certain uses of your personal information, subject to legal, contractual, regulatory, or other reasonable limitations. Withdrawing consent may affect our ability to respond to an inquiry, process an application, provide mortgage services, or send requested communications.

Disclosure of Personal Information

The Mortgage Girl does not sell or rent personal information to third parties.

Because mortgage brokerage services involve working with lenders and other professionals involved in arranging financing, personal information may be disclosed when reasonably necessary to evaluate financing options, process a mortgage application, provide requested services, or complete a mortgage transaction.

This may include disclosure to:

* Mortgage lenders and financial institutions
* Employees, mortgage brokers, agents, and representatives who require the information to perform their duties
* The Mortgage Group and applicable network, systems, or service providers
* Website hosting, technology, communications, newsletter, analytics, and other service providers
* Credit reporting agencies where authorized and necessary for mortgage services
* Appraisers, insurers, lawyers, or other professionals involved in a mortgage transaction where applicable
* Professional advisors where reasonably necessary
* Regulatory authorities or industry organizations where required or permitted by law
* Law enforcement, courts, or other authorities where required or permitted by law
* Other organizations or individuals where you have provided consent or where disclosure is otherwise authorized or required by law

We take reasonable steps to ensure that third-party service providers and other parties receive only information reasonably necessary for the applicable purpose.

Mortgage Applications and Financial Information

Mortgage financing may require the collection and exchange of detailed personal and financial information.

If you choose to proceed with a mortgage application or financing service, additional information may be requested directly from you or through secure systems and processes. This may include information relating to income, employment, assets, liabilities, credit history, property ownership, mortgage obligations, or other financial circumstances.

Information provided for a mortgage application may be shared with lenders and other parties involved in evaluating or completing the transaction, subject to applicable consent and privacy requirements.

This website Privacy Policy applies to information collected through the website. Additional privacy notices, consents, or agreements may apply when you proceed with a mortgage application or transaction.

Mortgage Calculators and Website Tools

The Mortgage Girl provides several mortgage calculators that allow visitors to estimate payments, explore affordability, compare mortgage scenarios, and consider different financing options. These include affordability, amortization, payment, qualification, rental, early renewal, and mortgage scenario calculators.

Information entered into website tools may be processed to provide the requested calculation or functionality. Calculator results are estimates only and do not constitute mortgage approval, financial advice, or a commitment to lend.

Users should avoid entering unnecessary personal or sensitive financial information into publicly accessible website calculators.

Newsletter Subscriptions

The Mortgage Girl offers visitors the opportunity to subscribe to a newsletter containing mortgage news and related information.

If you subscribe, your email address and any other information collected through the subscription process may be used to send the requested communications.

You may unsubscribe from marketing or newsletter communications at any time using the unsubscribe mechanism provided in the communication or by contacting us directly.

Website Analytics and Third-Party Services

Our website may use third-party services and technologies to support website functionality, process submissions, manage newsletter subscriptions, understand website traffic, communicate with visitors, or improve our online presence.

The website may also contain links to third-party websites and resources, including lender, financial institution, social media, and other external services.

Once you leave The Mortgage Girl website and access an external website or service, that website's privacy policy and terms may apply. The Mortgage Girl is not responsible for the privacy practices, security, content, or policies of third-party websites.

We encourage you to review the applicable privacy policy of any external website before providing personal information.

Online Forms and Inquiries

If you submit an inquiry or contact request through our website, the information you provide may be used to respond to your request, understand your mortgage needs, schedule a consultation, and communicate with you about mortgage services.

We may retain information submitted through online forms and other communications for reasonable business, communication, record-keeping, regulatory, and legal purposes.

Please do not submit highly sensitive financial information through a general website contact form unless it is specifically requested and the submission method is appropriate for that information.

Protection of Personal Information

The Mortgage Girl takes reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, collection, use, disclosure, copying, modification, loss, theft, or destruction.

Access to personal information is limited to individuals and service providers who reasonably require it for legitimate business, mortgage, regulatory, or operational purposes.

However, no method of transmitting or storing information electronically can be guaranteed to be completely secure. We cannot guarantee the absolute security of information transmitted to or through our website.

Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected, respond to inquiries, provide mortgage services, process applications, maintain appropriate business and regulatory records, resolve disputes, and satisfy applicable legal, regulatory, or professional requirements.

When personal information is no longer required, we will take reasonable steps to securely destroy, delete, or anonymize it in accordance with applicable requirements.

Accessing and Correcting Your Personal Information

You may have the right to request access to personal information The Mortgage Girl holds about you and request that inaccurate or incomplete information be corrected, subject to applicable legal, regulatory, and other limitations.

If you would like to make a privacy-related request, please contact us using the information below. We may need to verify your identity before providing access to or making changes to personal information.

Privacy Questions and Complaints

If you have questions about this Privacy Policy, would like to request access to or correction of your personal information, or have a concern about how your personal information has been handled, please contact us.
The Mortgage GirlPhone: 780-433-8412Email: ac.lrigegagtrom%40drawdoowj
The Mortgage Girl serves clients throughout Alberta and can assist clients across Canada.
We will review privacy inquiries and complaints and take reasonable steps to address concerns in accordance with applicable privacy legislation and professional requirements.

Changes to This Privacy Policy

The Mortgage Girl may update this Privacy Policy from time to time to reflect changes to our website, business practices, services, technology, regulatory requirements, or applicable privacy legislation.

When changes are made, the updated Privacy Policy will be posted on this website with a revised effective date.

Contact Us

If you have questions about this Privacy Policy or The Mortgage Girl's website privacy practices, please contact:
The Mortgage GirlPhone: 780-433-8412Email: ac.lrigegagtrom%40drawdoowj