We respect the privacy of our clients and are committed to keeping your personal information accurate, confidential, secure, and private. We have adopted this Privacy Policy to ensure we meet our ongoing commitment to your privacy under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and the Financial Services Regulatory Authority of Ontario (FSRA) Mortgage Brokerages, Lenders and Administrators Act (MBLAA).
Policy Overview
- Introduction & Scope
- The 10 PIPEDA Principles
- Kind of Information We Collect
- How We Use Your Information
- Lender & Credit Disclosure
- Data Security & Retention
- Access & Amending Files
- Cookies & Digital Tracking
- FSRA Compliance (Ontario)
- Privacy Officer Contact
1. Introduction
In the course of providing mortgage brokerage and advisory services, Kenlock Mortgage (FSRA Brokerage License #10530) collects personal information about clients with their express or implied consent.
“Personal Information” means information about an identifiable individual, including name, residential address, date of birth, income, employment history, assets, debts, credit reports, banking details, social insurance number (optional, for credit bureau identification), and other details relevant to securing mortgage financing. Personal information does not include business contact information when used solely to contact an individual in their commercial capacity.
2. The Ten Principles of Privacy (PIPEDA Model Code)
Our policy adheres strictly to the Canadian Standards Association Model Code incorporated into PIPEDA:
Principle 1 — Accountability
Kenlock Mortgage is responsible for personal information under our control and has designated a Privacy Officer accountable for compliance.
Principle 2 — Identifying Purposes
We identify the reasons for collecting personal information before or at the time of collection, documented on application forms and service agreements.
Principle 3 — Consent
Your knowledge and consent are required for collection, use, or disclosure of personal information, except where required or permitted by law.
Principle 4 — Limiting Collection
We collect only information necessary to assess your mortgage eligibility, submit applications to approved lenders, and service your file.
Principle 5 — Limiting Use, Disclosure & Retention
Information is used only for identified purposes and retained in accordance with FSRA statutory record-keeping rules (typically 6 years minimum) or until no longer needed.
Principle 6 — Accuracy
We maintain accurate, complete, and up-to-date client files to minimize the chance of inappropriate information being used in underwriting decisions.
Principle 7 — Safeguarding Information
Personal information is protected by industry-standard physical, organizational, and technological security controls (including 256-bit SSL encryption).
Principle 8 — Openness
Our privacy policies, practices, and contact information are readily available on our website and upon request.
Principle 9 — Individual Access
Upon written request, you will be informed of the existence, use, and disclosure of your personal information and granted access to verify its accuracy.
Principle 10 — Addressing Inquiries & Complaints
You may challenge our compliance with these principles by contacting our designated Privacy Officer.
3. The Kind of Information We Collect
To secure mortgage financing on your behalf, we routinely collect:
- Contact details (full name, phone, email, addresses)
- Employment records, paystubs, T4s, NOAs, business financials
- Credit history & Equifax / TransUnion credit reports
- Asset statements (bank accounts, investments, down payment gifts)
- Property details, purchase agreements, appraisals, tax bills
- Government identification to satisfy FINTRAC AML rules
4. How We Use and Disclose Your Information
We use your information exclusively for:
- Assessing your borrowing needs and financial qualifications.
- Presenting mortgage applications to chartered banks, credit unions, monoline lenders, and private lenders.
- Ordering credit bureau scores, property appraisals, and title insurance.
- Communicating status updates, rate changes, renewal notifications, and mortgage advice.
- Fulfilling legal, regulatory (FSRA, FINTRAC), and tax reporting obligations.
We never sell or rent your personal information to third-party marketers.
5. Ontario Mortgage Broker Regulations (FSRA Compliance)
As an Ontario-licensed mortgage brokerage (FSRA License #10530), Kenlock Mortgage complies with the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA) and its regulations:
- Record Retention: All mortgage transaction records, credit consent documents, and client disclosures are retained securely for a statutory minimum of six (6) years.
- Suitability & Disclosure: We provide written disclosure of lender relationships, potential conflicts of interest, and remuneration as mandated by FSRA.
- Identity Verification: We perform mandatory anti-money laundering (AML) and anti-terrorist financing checks in accordance with FINTRAC regulations.
6. Website Security, Cookies & Tracking
Our website uses secure socket layer (SSL) encryption for all transmitted data. We use standard first-party analytics cookies to monitor site performance, traffic trends, and optimize user experience. Cookies do not collect personally identifiable information unless voluntarily provided through a form. You may disable cookies via your browser settings; core site browsing remains functional without them.
7. Withdrawing Consent & Opting Out
You may withdraw your consent for future marketing communications or promotional updates at any time by clicking “Unsubscribe” in any email or replying “STOP” to SMS communications. Note that withdrawing consent regarding an active mortgage application may prevent us from securing approval from lenders.
8. Privacy Officer Contact Information
FSRA Brokerage License # 10530
1410-5140 Yonge Street, Toronto, ON M2N 6L7
Last updated: January 2026. For questions regarding federal privacy legislation, you may also contact the Office of the Privacy Commissioner of Canada (OPC) at 1-800-282-1376 or visit priv.gc.ca.