Michael Friedman Home Financial Group Ltd. (“MFHFG,” “we,” “us,” or “our”) is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or otherwise interact with us.
Information We Collect
We may collect personal information that you voluntarily provide to us, including but not limited to:
- Full name, email address, phone number, and mailing address
- Financial information relevant to mortgage applications, pre-approvals, and renewals
- Employment and income details
- Government-issued identification numbers where required by law
- Any other information you choose to provide through forms, email, or telephone
We may also automatically collect certain technical information when you visit our website, such as your IP address, browser type, operating system, referring URLs, and browsing behaviour through cookies and similar technologies.
How We Use Your Information
We use the information we collect for purposes including:
- Processing and managing your mortgage applications, renewals, and related financial services
- Communicating with you regarding your account, transactions, and service updates
- Sending periodic newsletters, market updates, and promotional materials (with your consent)
- Improving our website, services, and client experience
- Complying with legal and regulatory obligations
Disclosure of Your Information
We may share your personal information with trusted third parties only as necessary to provide our services, including:
- Mortgage lenders, insurers, and financial institutions involved in processing your application
- Service providers who assist with website hosting, email communications, and data management
- Regulatory bodies or law enforcement agencies when required by law
We do not sell, trade, or rent your personal information to unaffiliated third parties for their own marketing purposes.
Cookies & Tracking Technologies
Our website may use cookies, web beacons, and similar tracking technologies to enhance your browsing experience, analyse site traffic, and understand user behaviour. You may adjust your browser settings to refuse cookies; however, doing so may affect the functionality of certain features on our site.
Data Security
We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. While no method of electronic transmission or storage is completely secure, we strive to use commercially acceptable means to safeguard your data.
Data Retention
We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, to comply with legal obligations, resolve disputes, and enforce our agreements. When personal information is no longer required, it is securely destroyed or anonymized.
Your Rights
Subject to applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and British Columbia’s Personal Information Protection Act (PIPA), you have the right to:
- Access the personal information we hold about you
- Request correction of inaccurate or incomplete information
- Withdraw consent for the collection, use, or disclosure of your information (subject to legal or contractual restrictions)
- File a complaint with the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated
SMS & Electronic Communications Compliance
Michael Friedman Home Financial Group Ltd. (MFHFG) complies with Canada’s Anti-Spam Legislation (CASL). We only send commercial electronic messages (CEMs) to clients who have provided express or implied consent.
- Consent: By providing your mobile number, you agree to receive transactional and promotional updates via SMS.
- Opt-Out: You may unsubscribe at any time by replying STOP to any message or by using our Mailchimp Preference Center.
- Frequency: Message frequency varies based on your mortgage transaction status. Standard message and data rates may apply.
- Privacy: We do not sell or share your mobile data with third parties for marketing purposes.
Third-Party Links
Our website may contain links to third-party websites or services that are not operated by us. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party site you visit.
Children’s Privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete it promptly.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. Any updates will be posted on this page with a revised effective date. We encourage you to review this policy periodically.
Contact Us
If you have any questions or concerns about this Privacy Policy or our handling of your personal information, please contact us:
Michael Friedman Home Financial Group Ltd.
Email: michael@michaelfriedmanamp.com
Phone: 604-657-1684
