Privacy Policy

When you send an enquiry or request a conversation, we collect the contact details, message and other information you choose to provide. When you request a resource or register for an event, we collect the details needed to fulfil that request and record your communication choices.

If you ask us to assess or arrange financing, we may need identity, property, income and financial information beyond your initial enquiry. We explain the information needed and its intended use when we request it. Sending a general website enquiry does not authorise a credit check or constitute a mortgage application.

If you complete a client-feedback survey, we use your response to understand your experience and improve our service. Sending feedback does not give us permission to publish it as a testimonial.

Please do not send identity documents, account numbers or detailed financial records through a general website message. Ask us how to provide the documents needed for your matter.

We use information to respond to your request, provide the resource or service you requested, and communicate about that matter. Where you engage our brokerage, we use relevant information to understand your circumstances, assess suitable financing options, prepare applications and meet applicable legal and regulatory obligations.

We obtain the permissions needed before checking credit, verifying information or submitting information to lenders and insurers. The permissions and disclosures for an application are separate from a general website enquiry.

We send ongoing education, invitations or other marketing according to the permissions you give us and applicable law.

The website enquiry form asks you to agree to enquiry follow-up and email education, news and invitations. You can unsubscribe from marketing emails at any time. You can also call or email Streetwise directly without subscribing to future marketing.

Our marketing emails identify Streetwise and include an unsubscribe option. You can also contact info@streetwisemortgages.com to change your preferences. Choosing not to receive marketing does not cancel a service you requested or remove records we must retain.

If an approved text programme is offered, its sign-up notice explains the sender and message subjects. Providing a phone number alone does not enrol you in SMS marketing. You can decline text permissions and use another available contact method. For SMS withdrawal and help instructions, see our Terms.

We use service providers to operate the website, manage enquiries and relationships, deliver communications and resources, and support our business. They receive information needed for their work for us. These services include website hosting, contact and document management, and communication delivery.

Where you ask us to arrange financing, relevant information may be supplied to lenders, insurers and other participants identified in the application process. Before referring your information to a separate business, we explain who would receive it, why and what would be shared, and obtain the permission required. You can follow a link to another website without authorising us to send that business your enquiry.

We do not sell personal information. We do not provide mobile information or SMS consent evidence to affiliates or other businesses for their own marketing. Necessary SMS providers may process that information to operate the text service.

We may disclose information where applicable law requires or permits it. Any such disclosure is limited to its lawful purpose. This is not a general permission to share your information for unrelated marketing.

Website operation may involve technical information such as your IP address, browser and device details, pages requested and request times. This information helps operate and protect the website and identify technical problems.

We use cookies and similar technologies for website functions and analytics. Analytics is on by default and helps us understand which pages, resources and tools visitors use and whether forms are successfully submitted. Our analytics service processes browser and device information, page visits and these interactions. We do not send your form answers, name, email address or phone number to analytics. You can turn analytics off using Privacy preferences at the bottom of our pages and continue using our forms and tools. We remember your choice in that browser. Your analytics choice does not subscribe you to email or text marketing.

Links to an external video or other website take you to a service with its own information practices. Review that service’s privacy information before using it.

We use safeguards appropriate to the sensitivity of the information and limit access to people and service providers who need it for their work. No website or electronic communication method can guarantee absolute security.

Our service providers may store or process personal information outside Canada, including in the United States and India. When information is processed outside Canada, it is subject to the laws of that country and may be accessible to its courts, law enforcement or national security authorities. Contact info@streetwisemortgages.com if you have questions about this processing.

Ontario mortgage brokerages are required to retain mortgage-transaction records for at least six years after the mortgage term, or renewed term, expires. That obligation applies to transaction records; it does not mean every website enquiry or marketing contact must be kept for the same period.

The retention period depends on the purpose and type of record. An enquiry or resource request, a communication-permission record and a mortgage-transaction file have different purposes. Relevant considerations include whether a request or service remains active, whether the information is needed to establish permission or honour a withdrawal, and whether a legal retention requirement applies.

Information no longer needed for those purposes should be securely deleted or made anonymous. If you ask about deletion, we explain any record that must be retained and why.

Withdrawing marketing permission stops future marketing in the affected channel. We may retain the minimum information needed to honour that choice and records we are required to keep.

Contact info@streetwisemortgages.com to ask about our privacy practices, request access or correction, withdraw a permission, or raise a concern. Please identify the request without emailing sensitive documents. We may need to verify your identity before releasing or changing information.

For access requests governed by PIPEDA, we respond within 30 calendar days unless the law permits an extension. If an extension is needed, we explain the reason and your rights within the original response period. We also explain any lawful limit on access, withdrawal or deletion.

If you have a concern about our handling of your information, tell us what happened so we can review it. You may also contact the Office of the Privacy Commissioner of Canada.

We identify the effective date of this policy. If our purposes or practices change, we update the policy and provide any notice or obtain any permission required for the change. A policy update does not itself grant new marketing permission.