Application & Scope

This Privacy Policy applies to personal information collected through the CDAZA Mortgages website and in connection with mortgage services provided by Carolina Daza through Mortgage Powered Financial Group Inc.

Personal information handled as part of a mortgage inquiry, application or transaction may also be subject to the privacy practices and policies of Mortgage Powered Financial Group Inc., lenders, insurers, credit reporting agencies and other authorized service providers involved in your mortgage transaction.

What Is Personal Information?

Personal information generally means information about an identifiable individual. Depending on your interaction with us, this may include your name, address, telephone number, email address, date of birth, employment information, income, assets, liabilities, banking information, credit information, mortgage information, identification documents and other information required to assess or arrange mortgage financing.

Information We Collect

Most personal information is collected directly from you when you contact us, book a consultation, complete an online form, submit a mortgage application, provide supporting documents or otherwise communicate with us.

Depending on the services requested, information may include:

• Name and contact information
• Date of birth and identification information
• Employment and income information
• Assets, liabilities and net worth
• Banking and payment information
• Credit history and credit-related information
• Property and mortgage information
• Documents supporting your mortgage application
• Other information reasonably required to assess, arrange or administer mortgage financing

With your consent, information may also be obtained from third parties such as credit reporting agencies, lenders, employers, financial institutions and other sources relevant to your mortgage application.

How We Use Your Information

Personal information may be used to:

• Respond to inquiries and consultation requests
• Verify your identity and information provided in connection with a mortgage application
• Evaluate your mortgage needs and financial circumstances
• Determine potential eligibility for mortgage products and services
• Prepare, process, submit and administer mortgage applications
• Communicate with lenders, insurers and other parties involved in arranging financing
• Establish and maintain our relationship with you
• Meet legal, regulatory, compliance and record-keeping requirements
• Improve our services and customer experience
• Communicate with you about relevant services where permitted by law and your communication preferences

Consent

Where required, your consent will be obtained before collecting, using or disclosing your personal information. Consent may be provided through an application, consent form, electronic communication, written authorization or other appropriate means.

By voluntarily providing personal information in connection with a mortgage inquiry or application, you consent to the collection, use and disclosure of that information for the purposes reasonably necessary to provide the services you request, subject to applicable law and any additional consent documentation you complete.

In certain circumstances, applicable law may permit or require personal information to be collected, used or disclosed without consent.

Withdrawing Your Consent

You may withdraw your consent to certain uses or disclosures of your personal information, subject to legal or contractual restrictions and reasonable notice.

Depending on the circumstances, withdrawing consent may affect our ability to provide or continue providing mortgage services. You may also unsubscribe from promotional electronic communications by using the unsubscribe option included in those communications.

Withdrawal of marketing consent does not prevent us from contacting you regarding an active mortgage application, transaction, account, regulatory requirement or other service-related matter where communication remains necessary.

Sharing of Personal Information

Personal information may be shared where reasonably necessary to provide mortgage services or where permitted or required by law.

This may include sharing information with:

• Mortgage Powered Financial Group Inc.
• Mortgage lenders and financial institutions
• Mortgage default insurers and other insurers
• Credit reporting and assessment agencies
• Appraisers and other property-related service providers
• Lawyers and other professionals involved in a transaction
• Technology, document management, communications and other service providers
• Regulatory, governmental or law-enforcement authorities where permitted or required by law

Personal information is not sold or rented to third parties.

Website, Cookies & Analytics

When you visit this website, certain technical information may be collected automatically. This may include your IP address, browser type, device information, pages visited, referring website and other information about how you interact with the website.

Cookies and similar technologies may be used to support website functionality, understand website usage, improve performance and, where applicable, support advertising or marketing activities.

You may be able to disable or manage cookies through your browser settings. Disabling certain cookies may affect the functionality of some portions of the website.

Access & Correction of Your Information

You may request access to personal information held about you and may request that inaccurate or incomplete information be corrected, subject to exceptions permitted by applicable law.

Reasonable steps are taken to keep personal information as accurate, complete and current as necessary for the purposes for which it is used.

Personal Information Outside Canada

Some service providers or technology platforms used in connection with our services may process or store personal information outside Canada. When information is processed in another jurisdiction, it may be subject to the laws of that jurisdiction and may be accessible to governmental or regulatory authorities in accordance with applicable law.

Security of Personal Information

Reasonable administrative, technical and physical safeguards are used to protect personal information against unauthorized access, disclosure, loss, misuse or alteration.

No method of electronic transmission or storage is completely secure, and absolute security cannot be guaranteed.

Retention

Personal information is retained only for as long as reasonably necessary to fulfill the purposes for which it was collected and to satisfy applicable legal, regulatory, contractual and record-keeping requirements.

How to Contact Us

If you have questions, concerns or complaints about this Privacy Policy, wish to request access or correction to your personal information, or wish to withdraw consent where applicable, you may contact Mortgage Powered Financial Group's designated privacy contact:

Changes to This Privacy Policy

This Privacy Policy may be reviewed and updated periodically to reflect changes in our practices, technology, services, legal requirements or regulatory obligations.

Any revised Privacy Policy will be posted on this website. The “Last updated” date at the top of this page indicates when this policy was most recently revised.