Privacy Policy

Effective Date: June 11, 2026

At Leigh Cho-Young, CPA, CA, Mortgage Broker, we value the privacy of our clients and are committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Information We Collect

We collect personal information that is necessary for providing mortgage brokerage services, including but not limited to:

• Name, email address, phone number
• Home address, employment details, and income information
• Assets, debts, and financial documentation
• Credit bureau information
• Mortgage details, purchase contracts, and rental information

This information is collected to assist with mortgage pre-qualification, applications, and approvals, and to provide customer support.

2. How We Collect Your Information

We collect personal information in several ways:

• Directly from you through email, phone conversations, or secure online forms
• Via our secure mortgage application software, which uses bank-grade security
• Through our CRM system to manage your data for marketing, support, and other services.

We also use credit bureau services to collect financial data, and your explicit consent is required to share this information with lenders.

3. Use of Personal Information

Your personal information is used for the following purposes:

• Processing mortgage pre-qualifications and applications
• Communicating with you regarding your mortgage application or inquiry
• Providing customer support and maintaining our relationship with you
• Marketing, including newsletters and promotional offers (with opt-out options)

We may share your personal information with lenders and credit bureaus for mortgage processing purposes. Your consent is always obtained prior to sharing this information.

4. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected. Unqualified leads may be placed into our marketing drip campaigns, where you can receive automated messages or updates unless you opt out.

You can request the deletion of your personal information at any time by contacting us directly.

5. Data Security

We implement robust security measures to protect your personal information, including:

• Bank-grade security for online mortgage applications
• Two-factor authentication and access controls for our systems
• Regular reviews and updates to our security practices

All personal information is stored locally, in the cloud, in our CRM system, or in mortgage-specific software. We ensure that any third-party service providers comply with Canadian privacy laws and provide appropriate safeguards for your data.

6. Data Sharing with Third Parties

We do not sell your personal information. We may share it with third parties, such as:

• Lenders and credit bureaus for mortgage processing
• Our CRM system for managing customer relationships and marketing purposes

Some of our third-party service providers are based in the U.S., but we ensure that all cross-border data transfers comply with Canadian privacy laws.

7. Marketing & Advertising

We may use your personal information to send you marketing communications about our services, including mortgage updates, promotions, and newsletters. You can opt out of these communications at any time by clicking the "Unsubscribe" link in emails or replying "STOP" to SMS messages.

8. Safeguards Against Collecting Children's Data

We do not knowingly collect personal information from individuals under the age of 18. As part of our mortgage application process, we verify the identity of our clients, including confirming their date of birth, to ensure compliance with Canadian law.

9. Your Rights to Access & Control Your Data

You have the right to:

• Access the personal information we hold about you
• Correct or update your personal information
• Request deletion of your data from our systems and third-party platforms

If you wish to exercise any of these rights, please contact us at leigh@themindfulmortgage.ca. We will respond to your request in a timely manner.

10. Data Breach Notification

In the event of a data breach, we will notify affected individuals via email, explaining the nature of the breach, the steps we are taking to address it, and any actions you may need to take.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on our website, and the effective date of the updated policy will be indicated at the top of this page.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us:

Leigh Cho-Young, CPA, CA, Mortgage Broker
Ontario
leigh@themindfulmortgage.ca
(519) 384-4434