The Financing Factory (“The Financing Factory”, “we”, “our”, or “us”) respects your privacy and is committed to protecting the personal information of our clients, applicants, and website visitors.

This Privacy 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.

By using our website or submitting information to us, you consent to the practices described in this Privacy Policy.

 

1. Who We Are

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.

 

2. Information We Collect

We may collect personal information including:

    • Full name
    • Address
    • Email address
    • Telephone number
    • Date of birth
    • Employment information
    • Income and financial details
    • Credit history and credit reports
    • Banking information
    • Property information
    • Mortgage application details
    • Government-issued identification
    • Information relating to co-applicants or guarantors

 

We may also collect technical website information such as:

    • IP address
    • Browser type
    • Device information
    • Website usage data
    • Cookies and analytics information

 

3. How We Collect Information

We collect information:

    • Directly from you through forms, applications, emails, and phone calls;
    • Through our website and online applications;
    • From third parties with your consent, including:
      • Credit bureaus
      • Financial institutions
      • Employers
      • Real estate professionals
      • Insurers
      • Appraisers
      • Legal representatives

 

4. How We Use Your Information

We use personal information for purposes including:

    • Assessing mortgage and financing eligibility;
    • Matching applicants with lenders and financing products;
    • Verifying identity and financial information;
    • Processing applications and transactions;
    • Communicating with you about your application or services;
    • Meeting legal, regulatory, licensing, and compliance obligations;
    • Improving our services and website functionality;
    • Detecting fraud or unauthorized activity.

We only use information for purposes that a reasonable person would consider appropriate in the circumstances.

 

5. Consent

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.

 

6. Sharing of Information

We may share personal information with:

    • 8Twelve Mortgage Corporation;
    • Mortgage lenders and financial institutions;
    • Credit reporting agencies;
    • Mortgage insurers;
    • Appraisers;
    • Legal professionals;
    • Service providers and technology vendors;
    • Regulatory authorities where required by law.

We do not sell or rent your personal information.

 

7. Third-Party Services and Analytics

We may use third-party tools and services including:

    • Website analytics providers;
    • CRM systems;
    • Mortgage processing software;
    • Marketing and communication platforms.

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.

 

8. Cookies and Tracking Technologies

Our website may use cookies and similar technologies to:

    • Improve website functionality;
    • Analyze website traffic;
    • Understand user behavior;
    • Enhance user experience.

You may disable cookies through your browser settings; however, some website functionality may be affected.

 

9. Marketing Communications

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
    • contacting us directly.

 

10. Information Stored Outside Canada

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.

 

11. Security of Information

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.

 

12. Retention of Information

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.

 

13. Access and Correction Rights

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.

 

14. Children’s Privacy

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.

 

15. Data Breach Notification

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.

 

16. Third-Party Websites

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.

 

17. Changes to This Privacy Policy

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.

 

18. Contact Information

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

The Financing Factory
Website: https://reversemortgagesource.ca; https://thefinancingfactory.ca
Email: