Privacy Policy

1. Introduction

Mortgages by Nalin, operated by Nalin Jayaseelan, Licensed Mortgage Agent, under Fides Mortgages, a Franchise of Dominion Lending Centres (collectively, “Mortgages by Nalin,” “we,” “us,” or “our”), is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

By accessing or using our website at mortgagesbynalin.com, you acknowledge that you have read and understood this Privacy Policy. This policy does not create any contractual or legal obligation beyond what is required by applicable law.

2. Information We Collect

Personal Information

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

• Full name and contact information (email address, phone number, mailing address)
• Date of birth and government-issued identification
• Employment information (employer name, income, employment status)
• Social Insurance Number (SIN), where required for credit assessment

Financial Information

• Income and asset documentation
• Credit history and credit score information
• Existing debts, liabilities, and mortgage details
• Banking and financial institution information
• Property details relevant to mortgage applications

Automatically Collected Information

When you visit our website, we may automatically collect:

• IP address, browser type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Device information and screen resolution
• Cookies and similar tracking technologies (see Section 6)

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate mortgage applications on your behalf
• Communicate with you about your mortgage inquiry or application
• Submit applications to lenders, insurers, and other financial institutions
• Verify your identity and assess creditworthiness
• Comply with legal and regulatory requirements
• Improve our website and services
• Send relevant mortgage information or updates (with your consent)

Note: We will not use your personal information for purposes beyond those stated here without obtaining your consent, unless required or permitted by law.

4. Third-Party Sharing

We may share your personal information with the following third parties, solely for the purposes of processing your mortgage application or as required by law:

• Lenders and Financial Institutions — to submit and process your mortgage application
• Mortgage Insurers — such as CMHC, Sagen, or Canada Guaranty, where mortgage insurance is required
• Credit Bureaus — such as Equifax and TransUnion, to obtain credit reports with your authorization
• Legal and Regulatory Bodies — where required by law, regulation, or court order
• Service Providers — including IT hosting, website analytics, and form processing providers who assist in operating our website and services
• Dominion Lending Centres — as our franchisor, for compliance and administrative purposes

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

Third-Party Links: Our website may contain links to third-party websites. These links are provided for convenience only. Mortgages by Nalin is not responsible for the privacy practices, content, or accuracy of information on third-party websites. We encourage you to review the privacy policies of any third-party site you visit.

5. Consent

We obtain your consent before collecting, using, or disclosing your personal information, except where permitted or required by law. You may withdraw your consent at any time by contacting us, subject to legal or contractual restrictions. Withdrawal of consent may affect our ability to provide certain services.

6. Cookies & Tracking

Our website uses cookies and similar technologies to:

• Ensure the website functions properly
• Analyze website traffic and usage patterns
• Remember your preferences
• Measure the effectiveness of our content

You can control cookie settings through your browser preferences. Disabling cookies may affect your experience on our website. We may use third-party analytics services (such as Google Analytics) that collect anonymized usage data. These services have their own privacy policies governing the use of your information.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• SSL/TLS encryption for data transmitted through our website
• Secure storage of physical and electronic records
• Access controls limiting information to authorized personnel only
• Regular review of security practices

No Warranty: While we take reasonable steps to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data, and any transmission of personal information is at your own risk. Mortgages by Nalin makes no warranties, expressed or implied, regarding the security or accuracy of information transmitted through this website.

8. Your Rights Under PIPEDA

Under Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to:

• Access — Request access to the personal information we hold about you
• Correction — Request correction of inaccurate or incomplete personal information
• Withdraw Consent — Withdraw your consent to the collection, use, or disclosure of your personal information, subject to legal or contractual restrictions
• Complaint — File a complaint with the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within 30 days, as required by PIPEDA.

9. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. Mortgage-related records are typically retained for a minimum of seven (7) years following the completion of a transaction, in accordance with regulatory requirements. After the retention period, personal information is securely destroyed or anonymized.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or services. Any changes will be posted on this page with an updated effective date. We encourage you to review this page periodically. Your continued use of our website after any changes constitutes your acceptance of the updated policy.

11. Limitation of Liability

To the maximum extent permitted by applicable law:

• All content on this website is for informational purposes only and does not constitute financial, legal, or mortgage advice
• Mortgages by Nalin makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of any information on this website
• Mortgages by Nalin shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this website or any information provided herein
• No information on this website guarantees mortgage approval, specific rates, or terms
• Use of this website does not establish a broker-client relationship — such a relationship is only created upon execution of a formal written agreement
• Mortgages by Nalin is not responsible for any third-party content, websites, or services linked from this website

12. Contact Information

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us: