Privacy Policy

Last Updated: September 16, 2026

OntarioLend.ca is committed to protecting your privacy and safeguarding the personal information you provide to us.

This Privacy Policy explains how we collect, use, disclose, protect and retain personal information when you visit www.ontariolend.ca, contact us, submit an inquiry, request mortgage information or apply for mortgage financing.

Mortgage services advertised through OntarioLend.ca are provided by:

Cameron Mackie – Mortgage Broker Licence #M08008827
TMG The Mortgage Group – Mortgage Brokerage Licence #10315

In this Privacy Policy, “OntarioLend.ca,” “we,” “us,” and “our” refer to the mortgage services offered through OntarioLend.ca.

By using our website or providing personal information to us, you acknowledge the practices described in this Privacy Policy.

Personal Information We Collect

The personal information we collect depends on how you interact with us and the services you request.

We may collect information including:

• Name

• Email address

• Telephone number

• Residential or mailing address

• Date of birth

• Employment information

• Income and sources of income

• Assets and liabilities

• Banking and financial information

• Property information

• Mortgage and loan information

• Credit-related information

• Identification information

• Marital or household information where relevant to a mortgage application

• Information contained in documents you provide to us

• Information you provide through website forms, telephone calls, email or other communications

• Any other information reasonably required to assess, arrange or administer mortgage financing

We limit the collection of personal information to information reasonably necessary for the purposes identified in this Privacy Policy, for providing mortgage services and for meeting applicable legal and regulatory requirements.

Mortgage Applications and Financial Information

If you ask us to assist with mortgage financing, we may collect detailed information regarding your financial circumstances.

This may include information regarding:

• Employment

• Income

• Assets

• Debts and other liabilities

• Credit history

• Existing mortgages

• Property ownership

• Down payment and source of funds

• Tax or financial documents

• Identification

• Other information required by a potential lender, insurer or service provider

This information may be used to assess your circumstances, determine mortgage options that may be available to you and prepare or submit mortgage applications on your behalf.

Credit Information

When necessary to provide mortgage services, and with your authorization or consent where required, we may obtain information from credit reporting agencies or other third-party information providers.

Credit information may be used to:

• Assess mortgage eligibility

• Verify information provided by you

• Evaluate available mortgage options

• Submit an application to potential lenders

• Meet lender underwriting requirements

• Assist with identity verification, fraud prevention or regulatory requirements

We will obtain the consent required before requesting a credit report.

How We Use Your Personal Information

We may use personal information to:

• Respond to your inquiries

• Provide mortgage information and advice

• Assess your mortgage financing needs

• Determine mortgage products or lenders that may be appropriate for your circumstances

• Prepare and process mortgage applications

• Submit mortgage applications to lenders

• Verify information you provide

• Communicate with you regarding your inquiry or mortgage application

• Communicate with lenders and other parties involved in a mortgage transaction

• Administer and complete mortgage transactions

• Maintain appropriate client and transaction records

• Verify identity

• Detect or prevent fraud or unauthorized activity

• Meet legal, regulatory and compliance obligations

• Respond to regulatory or lawful government requests

• Improve our website and services

• Maintain the security and operation of our website and technology systems

We will not use your personal information for a materially different purpose without obtaining additional consent where required by law.

Sharing Your Personal Information

Arranging mortgage financing may require us to disclose personal information to third parties.

Depending on the services you request and with appropriate authorization or consent where required, personal information may be shared with:

• Banks

• Credit unions

• Mortgage lenders

• Trust companies

• Private lenders

• Mortgage insurers

• Credit reporting agencies

• Appraisers

• Lawyers and legal professionals

• Title or closing service providers

• Mortgage brokerage personnel involved in your application

• Mortgage fulfillment or underwriting service providers

• Identity verification and fraud prevention providers

• Technology, document-management and software providers

• Service providers that assist us in operating our business

• Government agencies, regulators or law-enforcement authorities where required or permitted by law

• Other parties reasonably necessary to arrange, process or complete your mortgage transaction

We may also share information with affiliated businesses when necessary to provide a service you have requested and where permitted by law or with your consent.

We do not sell your personal information.

Third-party service providers that process personal information on our behalf are expected to use appropriate safeguards and to use the information only for authorized purposes.

Consent

We obtain consent for the collection, use and disclosure of personal information where required by applicable law.

Depending on the circumstances, consent may be provided:

• Electronically

• In writing

• Verbally

• Through an application or authorization

• Through your actions where implied consent is appropriate

Because mortgage applications can involve sensitive financial and credit information, express consent may be requested for certain activities, including obtaining a credit report or submitting information to lenders.

You may withdraw your consent, subject to legal, regulatory and contractual restrictions and reasonable notice.

Withdrawal of consent may prevent us from continuing to provide certain services or completing a mortgage application or transaction on your behalf.

Information Collected Automatically

When you visit OntarioLend.ca, certain technical and usage information may be collected automatically.

This may include:

• Internet Protocol (IP) address

• Browser type

• Browser version

• Device type

• Operating system

• Pages viewed

• Date and time of visits

• Referring website or source

• Time spent on pages

• General website interaction information

• Diagnostic and security information

We may use this information to:

• Operate our website

• Maintain website security

• Understand how visitors use our website

• Diagnose technical problems

• Improve website performance

• Improve our content and services

• Analyze general website traffic and usage

Cookies and Similar Technologies

OntarioLend.ca may use cookies and similar technologies to operate the website, remember preferences, analyze website usage and improve the user experience.

A cookie is a small file placed on your device by your web browser.

We may use the following types of cookies:

Essential Cookies

These cookies may be necessary for website security, forms, navigation and other basic website functions.

Analytics Cookies

Analytics cookies help us understand how visitors use the website, such as which pages are visited, how users arrive at the website and how the website performs.

Functionality Cookies

These cookies may remember preferences or settings that improve your experience when you return to the website.

Marketing Technologies

Where applicable, we may use technologies that help us understand the effectiveness of advertising or marketing activities.

Where consent is required for a particular cookie or tracking technology, we will seek that consent as required by applicable law.

Most browsers allow you to block, restrict or delete cookies. Disabling certain cookies may affect the operation or functionality of the website.

Online Forms and Applications

Information you submit through forms or mortgage applications on OntarioLend.ca may be transmitted to us and to technology providers used to process inquiries or mortgage applications.

Information submitted may include sensitive financial information.

You should provide only information requested for the purpose of your inquiry or application.

Where a secure mortgage application or document-upload system is available, we recommend using that system rather than ordinary email to transmit highly sensitive financial documents.

Electronic Communications and Marketing

We may use the contact information you provide to communicate with you about:

• Your inquiry

• A mortgage application

• An existing transaction

• Requested services

• Important service information

• Mortgage-related information or updates

Where you have provided the required consent, we may also send you promotional or marketing communications.

You may unsubscribe from promotional email communications at any time by using the unsubscribe link provided in the message or by contacting us.

Unsubscribing from marketing communications will not prevent us from sending communications that are necessary to administer an inquiry, application, transaction or existing business relationship.

Retention of Personal Information

We retain personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected and to meet applicable legal, regulatory, contractual and record-keeping requirements.

Personal information may be retained for purposes including:

• Providing mortgage services

• Completing mortgage transactions

• Maintaining mortgage and client files

• Responding to inquiries or disputes

• Meeting lender requirements

• Meeting regulatory requirements

• Meeting legal and accounting obligations

• Preventing fraud

• Establishing, exercising or defending legal claims

When personal information is no longer required, we take reasonable steps to securely delete, destroy or anonymize it, subject to applicable retention requirements.

Accuracy of Personal Information

We take reasonable steps to ensure that personal information used to make decisions or provide services is accurate, complete and current.

You are responsible for notifying us if important information you have provided changes during the mortgage application process.

You may also contact us to request that inaccurate or incomplete personal information be corrected.

Protecting Your Personal Information

We recognize that mortgage applications can contain highly sensitive financial information.

We use reasonable administrative, physical and technological safeguards appropriate to the sensitivity of the information in our possession.

These measures may include:

• Limiting access to personal information

• Password-protected systems

• Secure technology platforms

• Access controls

• Security procedures

• Employee and contractor confidentiality requirements

• Secure document transmission or storage systems

• Procedures for securely disposing of information

Personal information is intended to be accessible only to individuals who require access for legitimate business purposes.

However, no electronic transmission, internet service or information-storage system can be guaranteed to be completely secure.

Service Providers

We may use third-party companies and service providers to assist with our operations.

These providers may perform services including:

• Website hosting

• Mortgage application processing

• Customer relationship management

• Document storage

• Electronic signatures

• Email delivery

• Analytics

• Information technology

• Security

• Identity verification

• Credit reporting

• Mortgage processing or fulfillment

Where personal information is transferred to a service provider for processing on our behalf, we remain responsible for protecting personal information under our control and take reasonable measures to ensure appropriate safeguards are in place.

Storage and Processing Outside Canada

Some of the service providers or technology systems used by OntarioLend.ca may process or store information outside Ontario or outside Canada.

When personal information is processed or stored in another jurisdiction, it may be subject to the laws of that jurisdiction and may be accessible to courts, law-enforcement agencies or governmental authorities in accordance with applicable law.

We take reasonable measures to ensure that service providers handling personal information maintain appropriate safeguards.

Your Right to Access Personal Information

Subject to certain legal exceptions, you may request information about the personal information we hold about you.

You may also request information regarding how that information has been used and disclosed.

We may require information from you to verify your identity before providing access.

In some circumstances, applicable law may permit or require us to refuse access to some info