Legal information
Privacy policy
What the forms on this site collect, who that information goes to, how long it stays, and what you can require.
Person in charge of personal information
Mathieu St-Onge, mortgage broker (certificate No. 259508), is the person responsible for the protection of personal information collected through this site. Any request or question about it can be sent to him at [email protected].
What is collected, and when
The contact form collects your name, email, phone number, city, the goal of your project and your message. The prequalification request also collects what a lender needs to take a position: employment status, income, monthly debt payments, credit score range, down payment and its source, the type of property you are aiming for and your timeline, and the same details for a co-borrower, if there is one. Each form asks for your consent before sending. Nothing is collected without you knowing: the calculators run in your browser and send no figures anywhere.
Why
To answer your request, review your project, prepare a file that can be presented to lenders if you decide to go ahead, and follow it through to signing. Your information serves no other purpose and is neither sold nor rented.
Who it is shared with
Once you have chosen to proceed, and only what the file requires: the lenders approached for your financing, the mortgage insurer when the loan must be insured, the appraiser mandated by the lender, and the notary handling the deed. Nothing is shared before that step, and no third party receives it for advertising.
Cookies and trackers
This site uses no audience analytics and no third-party advertising tracker. It sets a single cookie, needed for the forms to work, which expires after two hours; it cannot be read by scripts and is never sent to another site. When a request is submitted, the IP address and browser are kept only in hashed form, to spot automated or abusive submissions.
Retention
Your file stays accessible while your request is active. Once the request is closed or abandoned, it is kept for at most seven years and then deleted automatically: a weekly check removes files past that limit. That ceiling respects the minimum retention period imposed on mortgage brokers; it does not cover documents a lender or notary holds in their own file. You may ask for earlier deletion at the address above, subject to what regulation requires to be kept.
Your rights
You may ask to see the information held about you, have it corrected, withdraw your consent for the rest of the file, or ask for it to be deleted. You will receive an answer within thirty days. If you believe a request was not handled properly, you may file a complaint with the Commission d’accès à l’information du Québec.
Privacy incident
If an incident involving your information presented a risk of serious harm, you would be notified, and so would the Commission d’accès à l’information, as the law requires.