Privacy Policy

Effective date: May 12, 2026

Canada Mortgage Source Inc. ("we," "us," or "our") respects your privacy. This Privacy Policy explains what personal information we collect, how we use it, who we share it with, and your rights under Alberta and Canadian privacy law.

1. Information We Collect

We collect personal information you provide directly to us, such as when you submit our online forms, request a mortgage consultation, or contact us by phone or email. This may include:

• Your name, email address, phone number, and address
• Financial information you choose to share (income, down payment, credit profile self-assessment)
• The purpose of your inquiry (e.g., purchase, refinance, renewal)
• Any other information you voluntarily provide

We also automatically collect technical information when you use our website, such as IP address, browser type, pages visited, and referring website. This is collected through analytics and advertising cookies (see Section 4).

2. How We Use Your Information

We use your personal information to:

• Respond to your inquiries and provide the mortgage brokerage services you've requested
• Communicate with you about your file via email, text message, or phone
• Match you with appropriate lenders and mortgage products
• Send you relevant information about our services (with your consent, and you can unsubscribe at any time)
• Comply with legal and regulatory obligations applicable to licensed mortgage brokerages in Alberta
• Improve our website and services through analytics

3. Who We Share Your Information With

We share your information only as necessary to deliver the services you've requested or as required by law. Third parties we use include:

• Lenders — banks, credit unions, and monoline lenders we submit your application to, with your authorization
• Mailgun — for transactional and follow-up email delivery
• Twilio — for SMS text message communications
• HubSpot — for customer relationship management and follow-up workflows
• Zapier — for automation between the systems above
• Google Analytics — for website usage analytics (anonymized)
• Google Ads — for advertising performance measurement
• Validate Audio — for phone number validation
• Invis Mortgage Intelligence — our parent network, for compliance and brokerage support

We never sell your personal information. We do not share your information with third parties for their own marketing purposes.

4. Cookies and Tracking

Our website uses cookies and similar technologies to understand how visitors interact with our site and to improve your experience. These include analytics cookies (Google Analytics) and advertising cookies (Google Ads).

By default, these tracking technologies are active when you visit our site. You will see a brief notice on your first visit informing you of this. You can opt out at any time using the buttons below.

5. How Long We Keep Your Information

We retain your personal information for as long as needed to provide the services you've requested and to comply with our regulatory obligations as a licensed mortgage brokerage in Alberta. This is typically a minimum of seven years from the date of your last interaction with us, as required by Alberta's Real Estate Act and federal record-keeping rules under FINTRAC.

6. How We Protect Your Information

We use industry-standard safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These include encrypted transmission (TLS), access controls on internal systems, and regular security reviews of our service providers.

No method of transmission or storage is 100% secure. If you have concerns about how your information is being handled, please contact us immediately.

7. Your Rights

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

• Access the personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Withdraw consent for ongoing marketing communications at any time
• Opt out of analytics and advertising tracking on our website (see Section 4 above)
• File a complaint with our Privacy Officer or with applicable regulators

8. Contact Us

For privacy questions, access requests, or to file a complaint, contact our Privacy Officer:

[Privacy Officer Name]
Canada Mortgage Source Inc.
5555 Calgary Trail NW, Suite 1560
Edmonton, AB T6H 5P9
Email: [email protected]
Phone: (587) 317-1710

If you are not satisfied with our response, you may contact:

Office of the Information and Privacy Commissioner of Alberta
www.oipc.ab.ca
Toll-free: 1-888-878-4044

Office of the Privacy Commissioner of Canada
www.priv.gc.ca
Toll-free: 1-800-282-1376

9. Changes to This Policy

We may update this Privacy Policy from time to time. The effective date at the top of this page indicates when it was last revised. Material changes will be communicated through our website.