We sell mortgages, not your data.
You can trust us with your data. We never sell your data to 3rd parties, and only share it when we need to disclose it to lenders and credit agencies.
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Terms of online application
Accuracy of Information I/We certify that all information provided in this mortgage application is accurate, complete, and true. I/We acknowledge that Dove Mortgages and its partners will rely on this information to assess my/our creditworthiness and suitability for mortgage financing.
Authorization to Collect Third-Party Information I/We authorize Dove Mortgages to conduct a comprehensive credit investigation. This includes obtaining credit reports from consumer reporting agencies (e.g., Equifax or TransUnion) and verifying employment, income, and asset details with relevant third parties. I/We hereby authorize such sources to release any required information to Dove Mortgages for these purposes.
Disclosure of Personal & Financial Data I/We understand and consent to the disclosure of my/our personal and financial information to:
- Prospective Lenders: To secure mortgage financing approvals.
- Mortgage Insurers: (e.g., CMHC, Sagen, Canada Guaranty) to determine eligibility for mortgage insurance.
- Service Providers: Organizations providing essential technological, administrative, or compliance support for this application.
- Regulatory Bodies: Including FSRA, as required for audit or legal compliance.
Agreement to Terms By proceeding with this online application, I/we acknowledge that I/we have read, understood, and agree to the Privacy Policy and Service Agreement. I/we understand that these terms apply to the handling of my/our data throughout the lifecycle of the mortgage process.
I/we agree to Dove Mortgages Privacy Policy
Introduction
1. Our Commitment to Your Privacy At Dove Mortgages, protecting your personal information is a core priority. This policy outlines how we collect, use, and safeguard your data throughout the mortgage application process, whether you are a client, a representative, or simply visiting our website.
2. Defining Personal Information “Personal Information” refers to any data that identifies you directly or indirectly. This includes your name, address, Social Insurance Number (SIN), financial records, and employment history. It does not include public business contact information.
3. Data We Collect
- Identifiers & Contact Info: Name, address, phone number, and SIN (used specifically for credit reporting and tax compliance).
- Financial Profiles: Income, assets, liabilities, bank statements, and credit history to assess mortgage eligibility.
- Technical & Geolocation Data: IP addresses and browser behavior collected via cookies to optimize our website performance and localized rate offerings.
- Verification Documentation: Government-issued ID and employment records required by FSRA for “Know Your Client” (KYC) and Anti-Money Laundering (AML) compliance.
4. How We Use Your Information
- To evaluate and process your mortgage application.
- To obtain credit reports from credit bureaus (Equifax/TransUnion).
- To communicate status updates and provide personalized financial options.
- To detect and prevent fraud or unauthorized transactions.
- To comply with FSRA’s stringent record-keeping requirements for mortgage brokerages in Ontario.
5. Data Sharing & Disclosure We do not sell your data. We share information only on a “need-to-know” basis with:
- Lenders & Insurers: To secure mortgage approvals and default insurance.
- Service Providers: Third parties providing secure cloud storage, digital ID verification, or audit support.
- Regulatory Bodies: FSRA or other legal authorities when required by Ontario or Canadian law.
6. Cookie & Tracking Policy
- Necessary: Required for secure form submission and site navigation.
- Functional: Remembers your preferences, such as language settings.
- Analytics: We use tools like Google Analytics to improve user experience. You can opt-out of these through your browser settings.
7. Data Retention & International Transfers In accordance with Ontario’s Mortgage Brokerages, Lenders and Administrators Act, we retain client files for a minimum of six years. Some data may be processed by service providers outside of Canada; in these instances, your data remains protected but may be subject to the laws of that jurisdiction.
8. Your Rights You have the right to access your personal information, request corrections, or withdraw consent for marketing communications. To exercise these rights or to contact our Privacy Officer, please email info@dovemortgages.com.
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