Privacy Policy

Effective Date: April 26, 2026

Equify Mortgage Inc. ("Equify", "we", "us", or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage services.

1. Information We Collect

Information You Provide

• Identity information — full name, date of birth, and government-issued identification.
• Contact information — email address, phone number, and mailing address.
• Financial information — income, employment details, credit history, bank statements, and other information necessary to process your mortgage application.
• Property information — details about the property you intend to purchase or refinance.

Information Collected Automatically

• Device and usage data — IP address, browser type, operating system, referring URLs, pages visited, and time spent on our website.
• Cookies and similar technologies — we use cookies, pixels, and local storage to improve your experience and analyse site traffic. See Section 6 for details.

2. How We Use Your Information

We use your personal information to:

• Process and assess your mortgage application.
• Verify your identity and conduct credit checks (soft and hard inquiries as applicable).
• Communicate with you about your application, account, and our services.
• Match you with appropriate mortgage products and lenders.
• Comply with legal and regulatory obligations, including FSRA and FINTRAC requirements.
• Improve our website, products, and customer experience.
• Send you marketing communications (only with your consent).

3. How We Share Your Information

We may share your personal information with:

• Lenders and insurers — to process and fund your mortgage, including CMHC or other default insurers.
• Credit bureaus — to obtain or update your credit report as part of the application process.
• Service providers — third parties that help us operate our business, such as identity verification, document management, and IT hosting providers.
• Legal and regulatory authorities — when required by law, court order, or regulation.
• Professional advisors — lawyers, auditors, and consultants as needed for our business operations.

We do not sell your personal information to third parties for marketing purposes.

4. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this policy, or as required by law. Mortgage application records are retained for a minimum of seven years in accordance with regulatory requirements.

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit and at rest, access controls, and regular security assessments.

6. Cookies and Tracking

Our website uses cookies and similar technologies to:

• Remember your preferences and settings.
• Understand how you interact with our website.
• Measure the effectiveness of our communications.

You can manage your cookie preferences through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you.
• Correct inaccurate or incomplete information.
• Delete your personal information, subject to legal retention requirements.
• Withdraw consent for marketing communications at any time.
• Request a copy of your data in a portable format.

To exercise any of these rights, contact us using the details in Section 10.

8. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any personal information.

9. Changes to This Policy

We may update this Privacy Policy from time to time. When we make changes, we will update the "Effective Date" at the top of this page. We encourage you to review this policy periodically.

10. Contact Us

If you have questions or concerns about this Privacy Policy or our handling of your personal information, please contact us:

Equify Mortgage Inc. Email: privacy@equify.ca Website: equify.ca