Legal

Privacy Policy

Effective date: January 1, 2025

Walia Mortgages, operated by Sakshi Walia (Mortgage Agent, FSRA Lic. #M21000842), is committed to protecting your privacy. This policy explains how we collect, use, and safeguard your personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Information We Collect

When you contact us, submit a form, or apply for a mortgage, we may collect: • Personal identification: name, date of birth, SIN (when required for mortgage applications) • Contact details: email address, phone number, mailing address • Financial information: income, employment history, assets, liabilities, credit information • Property information: purchase price, property address, down payment amount • Communication records: emails, form submissions, and consultation notes

2. How We Use Your Information

We use your personal information to: • Assess your mortgage needs and provide personalized advice • Submit your mortgage application to lenders on your behalf • Communicate with you about your application status and rate changes • Send rate alerts or newsletters you have subscribed to (you may unsubscribe at any time) • Comply with legal and regulatory obligations under FSRA and federal lending regulations

3. Sharing Your Information

We share your information only as necessary to fulfill the services you request: • Lenders and financial institutions to process your mortgage application • Mortgage Intelligence Inc. (our brokerage), as required for regulatory compliance • Service providers who assist us (e.g., email and CRM platforms), bound by confidentiality agreements We do not sell your personal information to third parties.

4. Consent

By submitting a contact form, rate alert sign-up, or mortgage application, you consent to the collection and use of your information as described in this policy. You may withdraw consent at any time by contacting us — subject to legal or contractual obligations that may prevent immediate deletion.

5. Data Retention

We retain your personal information for as long as necessary to provide our services and comply with applicable laws. Mortgage-related records are typically retained for a minimum of seven years as required by regulatory guidelines.

6. Your Rights (PIPEDA)

Under 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 certain uses of your information • File a complaint with the Office of the Privacy Commissioner of Canada To exercise any of these rights, contact us at sakshi.walia@waliamortgages.ca.

7. Security

We take reasonable precautions to protect your personal information from unauthorized access, disclosure, or misuse. Our digital systems use industry-standard security measures. However, no method of transmission over the internet is 100% secure.

8. Third-Party Links

Our website may contain links to third-party sites (e.g., Calendly for booking, lender websites). We are not responsible for the privacy practices of those sites and encourage you to review their policies.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of our services after changes constitutes acceptance of the updated policy.

10. Contact Us

If you have questions or concerns about this Privacy Policy or how your information is handled, please contact: Sakshi Walia — Mortgage Agent FSRA Licence #M21000842 Mortgage Intelligence Inc. (FSRA Lic. #10428) Email: sakshi.walia@waliamortgages.ca Phone: 647-992-2582

Questions about this policy?