Skip to content

Privacy policy and Cookies

Trusterra Mortgage commitment to privacy

At Trusterra Mortgage, (“we”, “us”, or “our”), we are committed to protecting the privacy, confidentiality, and security of the personal information entrusted to us by our clients and website visitors.

This Privacy Policy outlines how we collect, use, disclose, and safeguard your personal information in accordance with Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA), provincial privacy legislation, and applicable mortgage industry regulations.

1. Information We Collect

In operating as a licensed mortgage brokerage, we collect personal and financial information necessary to assess mortgage applications, secure lending quotes, fulfill regulatory requirements, and communicate with you. This information includes:

  • Contact & Demographic Details: Full legal name, mailing address, email address, phone number, date of birth, and government identification (e.g., driver’s license, passport).
  • Financial Information: Income records, employment verification, tax documentation (such as T1 Generals and Notices of Assessment), asset details, liabilities, banking information, and Social Insurance Number (SIN—used for accurate credit bureau matching with your explicit consent).
  • Credit Information: Credit scores, credit history reports, and payment histories obtained from credit reporting agencies (e.g. Equifax and TransUnion).
  • Technical Data: IP address, browser type, device details, pages visited, and cookie data gathered automatically when you visit our website.

2. How We Use Your Information

We collect and use your personal information for the following commercial and regulatory purposes:

  • Evaluating your financial profile and mortgage suitability.
  • Submitting credit and loan applications on your behalf to financial institutions, private lenders, and mortgage insurers.
  • Verifying identity and beneficial ownership to comply with statutory anti-money laundering regulations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) monitored by FINTRAC.
  • Communicating updates, responding to inquiries, and delivering requested administrative or transactional messages.
  • Sending informational, educational, or promotional newsletters and market updates, where explicit or implied consent under Canada’s Anti-Spam Legislation (CASL) exists.

3. Disclosure of Personal Information

We do not sell, rent, or trade client lists or personal information. In the ordinary course of business, your personal information may be shared with:

  • Lenders & Financial Institutions: Mortgage lenders, financial institutions, and private lenders for underwriting and approval purposes.
  • Credit Bureaus: Equifax and TransUnion to obtain credit reports and perform credit checks.
  • Service Providers & Technology Vendors: Third-party technology vendors (e.g., secure Loan Origination Systems (LOS), application processing portals, cloud hosting providers, and digital signature platforms) operating under strict confidentiality agreements.
  • Professional Advisors & Co-sponsors: Lawyers, appraisers, title insurance companies, and real estate professionals involved in your transaction, strictly with your authorization.
  • Regulatory & Government Bodies: The Financial Services Regulatory Authority of Ontario (FSRA) [and/or other applicable provincial regulators], FINTRAC, law enforcement, or statutory authorities when required or permitted by law.

4. Retaining & Safeguarding Your Data

  • Safeguards: We implement robust physical, technical, and administrative security measures (including end-to-end encryption, secure cloud infrastructure, and restricted access protocols) to protect data against loss, theft, unauthorized access, or disclosure.
  • Retention: Personal information is retained only as long as necessary to fulfill the purposes for which it was collected or to satisfy statutory legal, tax, and regulatory compliance obligations. Pursuant to FINTRAC and provincial mortgage brokerage regulations, identity verification records and mortgage application files are retained for a minimum of five (7) years.

5. Your Rights & Access

Subject to limited statutory exceptions, you have the right to:

  • Request access to the personal information we hold about you.
  • Request corrections to inaccurate or incomplete information.
  • Withdraw your consent to the collection, use, or disclosure of your information (subject to legal or contractual obligations). Please note that withdrawing consent may prevent us from providing mortgage brokerage services.

6. Contacting Our Privacy Officer

If you have questions, concerns, or requests regarding this Privacy Policy or our data handling practices, please contact our Chief Privacy Officer:

Chief Privacy Officer

Trusterra Mortgage Inc.

Email: privacy@trusterramortgage.com

Phone: 1-800-481-8736

Cookie & Tracking Technologies Policy

1. What Are Cookies?

Cookies are small text files or data tokens stored on your web browser or device when you visit our website. They allow our website to recognize your browser, remember your preferences, and collect standard internet log information and visitor behavior data.

2. Types of Cookies We Use

We use both session cookies (which expire once you close your web browser) and persistent cookies (which remain on your device until deleted or until they reach their expiration date). These fall into the following categories:

  • Strictly Necessary Cookies: Essential for the operation of our website, security, and online forms. These enable basic functions such as page navigation, secure access to loan application areas, and session management.
  • Performance & Analytics Cookies: Allow us to recognize and count the number of website visitors and see how visitors navigate our site (e.g., Google Analytics). This helps us improve website layout, form usability, and content relevance.
  • Functional Cookies: Used to recognize you when you return to our website, allowing us to personalize content and remember your language or interface preferences.
  • Marketing & Advertising Cookies (Pixels): Track your online activity to help deliver targeted advertisements and measure the effectiveness of our marketing campaigns across third-party platforms (such as Google Ads, Meta/Facebook, or LinkedIn).

3. Third-Party Analytics & Web Tools

We may utilize trusted third-party service providers (such as Google Analytics or marketing pixels) to analyze traffic and site interactions on our behalf. These service providers may use cookies, web beacons, and similar technologies to gather statistical data. Data generated by these cookies regarding your website use may be transmitted to and stored on servers located outside of Canada.

4. Managing & Disabling Cookies

You have the choice to accept, block, or delete cookies at any time:

  • Browser Settings: Most modern web browsers allow you to control cookie preferences through their settings or options menu. You can set your browser to refuse all or some browser cookies, or to alert you when websites set or access cookies.
  • Impact of Disabling Cookies: Please note that if you disable or refuse strictly necessary cookies, some features of our website (including secure online application portals or dynamic mortgage calculators) may not function properly or as intended.
  • Opting Out of Analytics: To opt out of being tracked by Google Analytics across all websites, you can install the official Google Analytics Opt-out Browser Add-on.

5. Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in our operational practices, regulatory requirements, or technology stack. Any updates will be posted on this page with an updated “Last Modified” date.