Effective Date: March 2025

1. Introduction

Simple Home Financing ("we," "us," or "our") is committed to protecting the privacy and security of our clients' personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal data in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA). By using our website, services, or submitting personal information through our lead intake form, you consent to the collection, use, and disclosure of your information as described in this policy.

2. Information We Collect

We collect personal information necessary for mortgage pre-qualification and application processing. This includes:

Personal Identifiers: First name, last name.

Contact Information: Email address, phone number.

Financial Information: Responses to our lead intake form, including details relevant to determining mortgage eligibility.

Mortgage Application Data: Additional financial details provided during the mortgage approval process.

This data is collected when you visit our website, fill out an inquiry form, communicate with us directly, or submit a mortgage application.

3. Purpose of Data Collection

We collect and use your personal information for the following purposes:

Mortgage Pre-Qualification & Processing: Assessing affordability and submitting mortgage applications to lenders.

Communication: Contacting you regarding your inquiry, mortgage updates, and application status.

Regulatory Compliance: Meeting legal and financial regulatory requirements. Marketing & Client

Engagement: Sending mortgage updates, promotions, and educational content (with your consent).

We will not use your personal information for any other purposes without your explicit consent.

4. How We Share Your Information

We do not sell or rent your personal information. However, we may share it with:

Lenders & Financial Institutions: To submit mortgage applications and determine financing options.

Third-Party Service Providers: We use email services and third-party applications to process and submit mortgage applications to lenders and banks securely. These providers are contractually obligated to safeguard your information.

Regulatory & Legal Authorities: If required to comply with legal or regulatory obligations.

All third parties receiving your data must adhere to strict confidentiality and security measures.

5. Third-Party Applications & Data Processing

To facilitate mortgage processing and submission, we utilize third-party platforms such as:

Email services to communicate with lenders and clients. Loan origination systems and submission platforms to process applications. Cloud-based storage solutions for secure document management.

We take appropriate measures to ensure these services comply with privacy and security best practices.

6. Consent & Your Rights

By submitting personal information, you consent to our use and disclosure of your data as outlined in this Privacy Policy. You have the right to:

Access and Review your personal information.

Request Corrections to inaccurate or incomplete data.

Withdraw Consent for marketing communications at any time.

Request Deletion of your data (subject to legal and regulatory retention requirements).

To exercise these rights, please contact us at [email protected].

7. Data Security & Protection

We implement industry-standard security measures to protect your personal data, including:

Secure Transmission: Encryption protocols for emails and document submissions. Access Controls: Limited access to authorized personnel only. Third-Party Compliance: Ensuring service providers adhere to strict privacy policies.

Although we take all reasonable precautions, no data transmission over the internet can be guaranteed 100% secure.

8. Data Retention

We retain your personal data only as long as necessary to: Fulfill the purposes outlined in this Privacy Policy. Comply with legal and regulatory obligations .Resolve disputes and enforce our agreements.

Once no longer required, we securely delete or anonymize your data.

9. Cookies & Website Analytics

Our website may use cookies and tracking technologies to improve user experience and analyze website traffic. These technologies collect non-identifiable data such as browser type, pages visited, and time spent on our site. You can adjust your browser settings to block cookies, but this may affect site functionality.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be posted on our website with an updated “Effective Date”. Your continued use of our services after any updates constitutes acceptance of the revised policy.

11. Contact Us

If you have any questions about this Privacy Policy or your personal data, please

contact us at: [email protected]

By using our website, submitting your information or submitting a mortgage application , you acknowledge that you have read, understood, and agreed to this Privacy Policy.