PRIVACY POLICY

Effective Date: July 4, 2025

At Merge Mortgage Group, your privacy matters. We are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and protect your information in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).

1. Information We Collect

We collect only the personal information necessary to provide our mortgage consulting and advisory services, such as:

  • Name, email address, and phone number

  • Residential address, employment, and financial details

  • Documents required for mortgage consultation and applications

  • Credit bureau data (with your explicit consent)

2. How We Collect Your Information

We collect information directly from you when:

  • You complete a contact or inquiry form

  • You communicate with us by phone or email

  • You use our secure mortgage application platform

Your information is only used in relation to services you have requested from Merge Mortgage Group.

3. Use of Personal Information

We use your information solely to:

  • Respond to inquiries you initiate

  • Assist with mortgage-related documentation and service

  • Provide appointment confirmations or application updates

  • Maintain service quality and internal recordkeeping

We do not use or share your mobile phone number for marketing, advertising, or promotional purposes. SMS communications are strictly related to services you have consented to or initiated.

4. Data Retention

We keep your personal information only as long as needed to fulfill the purposes outlined above. You may request removal of your information at any time by contacting us.

5. Data Security

We protect your information using strong, industry-standard safeguards, including:

  • Encrypted mortgage application portals

  • Role-based access to internal systems

  • Secure CRM tools that comply with Canadian privacy regulations

6. Third-Party Sharing

We do not sell your personal information. We may share it, with your consent, only with:

  • Lenders or credit bureaus as part of a mortgage application you request

  • Secure software tools used to manage client services

Mobile numbers are never shared with third-party platforms for marketing or advertising.

7. Communication Policy

We may send you service-related emails or SMS messages, such as:

  • Appointment reminders

  • Application status updates

  • Responses to your inquiries

We do not send bulk marketing or promotional text messages. You can opt out of SMS communication at any time by replying “STOP.”

8. Children’s Privacy

We do not knowingly collect information from individuals under 18 years old.

9. Your Rights

You may request to:

  • Access the personal data we hold about you

  • Correct or update inaccurate information

  • Have your data deleted from our systems

Please contact us using the details below to make a request.

10. Data Breach Notification

If a data breach occurs, affected individuals will be notified promptly with details and suggested actions.

11. Changes to This Policy

Any updates to this Privacy Policy will be published on our website with a revised effective date.

12. Contact Us

If you have questions or concerns about this policy or your data, please contact us at:

Merge Mortgage Group
1221 2 Ave S, Lethbridge Alberta T1J 0E4
📧 jarrod@mergemortgage.ca
📞 (587) 370-4311