Privacy Policy

At Ezy Loans and Mortgages, we are committed to safeguarding your privacy and keeping your personal information secure at all times. We adhere to the guidelines set forth by the Financial Services Regulatory Authority (FSRA) to ensure transparency and compliance in all our practices.

Collection, Use, and Disclosure of Information

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

To verify your identity and authenticate any information you provide.
To prevent fraud, errors, and unauthorized access.
To assess your eligibility for financial products and services.
To offer tailored mortgage solutions that best fit your needs.
To comply with legal and regulatory requirements, including identity verification obligations.
To submit mortgage applications to lenders and insurers to secure financing on your behalf.
To analyze your use of our services to enhance customer experience.
To collect and share health information with insurers when applying for creditor insurance (if applicable).

Your personal information is strictly confidential and protected from unauthorized access, loss, or misuse. We never sell your data and retain it only as long as necessary for the intended purpose.

Your Consent and Control Over Information

We obtain your express or implied consent before we:

Verify your employment and income details.
Obtain your credit report for assessment purposes.
Offer additional financial products and services.
Share your information with third parties unless required by law.
Use your data for any purposes not previously disclosed to you.

You may withdraw your consent at any time unless legal requirements prevent us from doing so. To update or modify your consent preferences, please contact your Ezy Loans and Mortgages specialist.

Marketing Preferences

We may contact you via email, phone, or mail regarding mortgage products, financial services, and promotional offers. If you prefer not to receive such communications, you can opt out by informing your Ezy Loans and Mortgages specialist.

Sharing Your Information

Your personal information will only be shared in the following situations:

With lenders, insurers, or third-party service providers necessary to process your mortgage application.
When required by legal or regulatory authorities.
With authorized service providers performing essential functions, such as credit checks, account processing, or fraud prevention.
In the case of business transactions such as mergers or asset sales, where customer data may be transferred under strict confidentiality agreements.

Data Security and Retention

We implement stringent security measures to protect your personal information. All employees handling sensitive data are trained in privacy protection protocols and are required to maintain confidentiality. Your information is retained only for as long as necessary to fulfill regulatory obligations and is securely destroyed once it is no longer required.

Access and Corrections to Your Information

You have the right to:

Review and verify the personal information we hold about you.
Request corrections to inaccurate or outdated information.
Obtain details on third parties with whom your data has been shared.
Request a written copy of your information, subject to legal and operational limitations.

International Data Transfers

In some cases, your personal information may be processed or stored outside of Canada. While we ensure strict confidentiality and security, data in foreign jurisdictions may be subject to local laws and regulations.

Contact Us

If you have any questions, concerns, or complaints about our privacy policies or the handling of your personal information, please reach out to us at:

Ezy Loans and Mortgages
mortgages@ezyloan.ca

We are committed to addressing your inquiries promptly and ensuring your data privacy is maintained in accordance with FSRA guidelines.