Legal
The Financing Factory respects your privacy and is committed to protecting the personal information of our clients, applicants, and website visitors. This policy explains how we collect, use, disclose, and safeguard personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and other applicable Canadian privacy laws.
The Financing Factory is a mortgage agent and commercial financing business operating under 8Twelve Mortgage Corporation, a licensed Canadian mortgage brokerage.
We provide mortgage and financing-related services to individuals and businesses across Canada.
We may collect personal information including:
We may also collect technical website information such as:
We collect information directly from you through forms, applications, emails, and phone calls, as well as through our website and online applications.
We may also collect information from third parties with your consent, including:
We use personal information for purposes including:
We only use information for purposes that a reasonable person would consider appropriate in the circumstances.
By submitting personal information to us, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.
Consent may be provided electronically, verbally, in writing, or through your continued use of our services.
You may withdraw consent at any time, subject to legal and contractual restrictions. Withdrawal of consent may limit our ability to provide services.
We may share personal information with:
We do not sell or rent your personal information.
We may use third-party tools and services including:
These providers may collect information through cookies, tracking technologies, or other automated means. We may use services such as Google Analytics to help improve website functionality and user experience.
Our website may use cookies and similar technologies to:
You may disable cookies through your browser settings; however, some website functionality may be affected.
With your consent, we may send you mortgage updates, financing information, promotional communications, newsletters, or marketing messages.
You may unsubscribe or withdraw consent at any time by clicking the unsubscribe link in communications, or by contacting us directly.
Some service providers or technology platforms we use may store or process information outside Canada.
As a result, your information may be subject to the laws of foreign jurisdictions and accessible to foreign governments, courts, or regulatory agencies in accordance with applicable laws.
We use reasonable administrative, technical, and physical safeguards to protect personal information against unauthorized access, loss, misuse, disclosure, or alteration.
While we strive to protect your information, no method of transmission or electronic storage is completely secure.
We retain personal information only as long as necessary to fulfill the purposes for which it was collected, satisfy legal and regulatory obligations, resolve disputes, and enforce agreements.
When information is no longer required, it is securely destroyed or anonymized.
You may request access to the personal information we hold about you and request corrections if the information is inaccurate or incomplete.
Requests may be submitted using the contact information below. We may require identity verification before processing requests.
Our services are intended for individuals who are the age of majority in their province or territory. We do not knowingly collect personal information from minors.
If a breach of security safeguards involving personal information creates a real risk of significant harm, we will comply with applicable legal obligations regarding notification to affected individuals and regulatory authorities.
Our website may contain links to third-party websites or services. We are not responsible for the content, privacy practices, or policies of third-party websites.
Users should review the privacy policies of those third parties separately.
We may update this Privacy Policy periodically to reflect changes in legal requirements, technology, or business practices.
Updated versions will be posted on our website with a revised effective date.
If you have questions, requests, or concerns regarding this Privacy Policy or your personal information, please reach out.