Privacy Policy

01Introduction

Lauren Matlo Mortgages ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at laurenmatlomortgages.com or engage with our mortgage brokerage services.

Lauren Matlo Mortgages operates in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation in Alberta, including the Personal Information Protection Act (PIPA).

By using our website or services, you consent to the collection and use of your information as described in this policy. If you do not agree, please do not use our website or services.

02Information We Collect

We collect personal information that you voluntarily provide to us, as well as certain information collected automatically when you use our website.

Information you provide directly:

• Full name, email address, and phone number submitted through contact or application forms
• Details about your mortgage situation, financial goals, and property intentions
• Financial information you share during the mortgage application process, including income, assets, liabilities, and employment details
• Identification documents required for mortgage applications (such as government-issued ID)
• Communications between you and Lauren Matlo Mortgages via email, phone, or messaging platforms

Information collected automatically:

• IP address and general location data
• Browser type, operating system, and device information
• Pages visited, time spent on pages, and referring URLs
• Cookie and tracking data (see the Cookies section below)

03How We Use Your Information

We use your personal information only for the purposes for which it was collected, including:

• Assessing your mortgage needs and providing mortgage brokerage services
• Communicating with you about your application, options, and next steps
• Submitting mortgage applications to lenders on your behalf
• Complying with regulatory and legal obligations applicable to mortgage brokers in Alberta
• Sending you relevant information, updates, or educational content you have consented to receive
• Improving our website and understanding how visitors use it
• Preventing fraud and ensuring the security of our services

We will not use your personal information for purposes other than those listed above without your express consent.

04Sharing Your Information

We do not sell your personal information. We may share your information only in the following circumstances:

• Lenders and financial institutions: When submitting your mortgage application, we share the necessary information with lenders on your behalf and with your consent.
• Service providers: We may use trusted third-party service providers (such as CRM platforms, communication tools, and website hosting services) who process data on our behalf under confidentiality agreements.
• Regulatory and legal requirements: We may disclose your information where required by law, court order, or regulatory authority, including RECA (Real Estate Council of Alberta) compliance requirements.
• Business transfers: In the event of a sale or merger of our business, your information may be transferred as part of that transaction. You will be notified of any such change.

All third parties with whom we share data are required to maintain the confidentiality of your information and use it only for the purposes we specify.

05Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable law and regulatory obligations.

Mortgage brokers in Alberta are required under RECA regulations to retain client records for a minimum of seven years following the completion of a transaction. After this period, your information will be securely deleted or anonymised.

If you contact us but do not proceed with a mortgage application, we will retain your contact information for a reasonable period to facilitate follow-up, after which it will be deleted unless you have consented to ongoing communications.

06Your Rights

Under PIPEDA and Alberta's PIPA, you have the following rights regarding your personal information:

• Right to access: You may request a copy of the personal information we hold about you.
• Right to correction: You may request that we correct any inaccurate or incomplete information.
• Right to withdraw consent: You may withdraw consent to non-essential uses of your information at any time, subject to legal or contractual restrictions.
• Right to complain: You have the right to file a complaint with the Office of the Privacy Commissioner of Canada or the Office of the Information and Privacy Commissioner of Alberta if you believe your privacy rights have been violated.

To exercise any of these rights, please contact us using the details in the Contact section below. We will respond to all requests within 30 days.

07Cookies & Tracking

Our website uses cookies and similar tracking technologies to improve your experience and understand how our website is used.

Types of cookies we use:

• Essential cookies: Required for the website to function. Cannot be disabled.
• Analytics cookies: Help us understand visitor behaviour and improve our website (e.g., Google Analytics).
• Marketing cookies: Used to track and measure the effectiveness of our advertising campaigns.

You can control cookies through your browser settings. Disabling certain cookies may affect website functionality. By continuing to use our website, you consent to our use of cookies as described here.

08Security

We take reasonable technical and organisational measures to protect your personal information against unauthorised access, disclosure, loss, or destruction. These measures include secure data storage, encrypted communications, and access controls limiting who can view your information.

While we take every reasonable precaution, no method of transmission over the internet is 100% secure. We cannot guarantee absolute security, and you transmit information to us at your own risk.

If a data breach occurs that poses a real risk of significant harm to you, we will notify you and the applicable privacy commissioner as required by law.

09Third-Party Links

Our website may contain links to third-party websites, including lender websites and industry resources. We are not responsible for the privacy practices of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

10Children's Privacy

Our services are not directed at individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will delete it.

11Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. When we make changes, we will update the "Last updated" date at the top of this page.

We encourage you to review this policy periodically. Continued use of our website or services after any changes constitutes your acceptance of the updated policy.

12Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us:

You may also contact the Office of the Privacy Commissioner of Canada at www.priv.gc.ca or the Office of the Information and Privacy Commissioner of Alberta at www.oipc.ab.ca.