PRIVACY POLICY

A legal disclaimer

Effective Date: May 2025

This Privacy Policy applies to Leverage Lending and its affiliates (“Leverage Lending,” “we,” “us,” or “our”) and outlines how we collect, use, disclose, and protect personal information. It applies to personal information collected through our website, mortgage applications or inquiries, or through other forms of engagement with us.

Our Commitment to Privacy

Leverage Lending is committed to safeguarding personal information and managing it in accordance with applicable privacy legislation.

Definition of Personal Information

"Personal information" refers to any information about an identifiable individual, as defined by applicable privacy laws. This typically includes name, contact details, and financial data, but does not include general business contact information used in a commercial context.

Consent

By providing personal information to Leverage Lending, you consent to our collection, use, and disclosure of that information as outlined in this Privacy Policy or as otherwise permitted by law. Consent may be given expressly or impliedly, depending on the context. You may withdraw your consent at any time, subject to legal and contractual limitations, by contacting us using the details provided below.

Collection of Personal Information

We collect personal information directly from individuals, or through interactions with brokers, agents, and financial professionals. We may also obtain information from third-party sources such as credit bureaus, appraisers, and financial institutions.

Information collected may include:

Full name and contact details
Employment and financial information
Property and mortgage-related data
Credit history and banking details
Other data relevant to the lending or application process

We only collect the information necessary to fulfill specific purposes related to our services or as required by law.

Purpose of Collection and Use

Leverage Lending collects, uses, and discloses personal information to:

Assess and process mortgage and lending inquiries or applications
Provide financing-related services and support
Establish and manage relationships with partners and affiliates
Evaluate creditworthiness or property value
Comply with legal, regulatory, and contractual obligations
Improve business operations and customer experience
Prevent fraud or unauthorized activity
Analyze data for internal reporting and development (in aggregate, non-identifiable form)
Support transactions such as mergers, sales, or business reorganizations

Additional purposes may be identified at the time of collection, and consent will be obtained where required.

Disclosure of Personal Information

Personal information may be disclosed to:

Lending partners, financial institutions, insurers, or service providers involved in the funding or assessment process
Credit reporting agencies and appraisers
Brokers, agents, and mortgage professionals affiliated with an inquiry or file
Legal and regulatory bodies, where required
Third-party vendors (e.g., payment processors, cloud providers) under contractual confidentiality and data protection obligations
Entities involved in a business transaction involving Leverage Lending (e.g., merger or asset sale)

We do not sell personal information.

Data Storage and Retention

Personal information is stored securely, either on our premises or with trusted third-party service providers. Information is retained only as long as necessary to fulfill the purposes for which it was collected or as required by law.

Some information may be stored or processed outside of Canada. Where applicable, it may be subject to the laws of the foreign jurisdiction.

Employment Applications

If you submit a job application, your personal information will be used for recruitment purposes only. It may be retained for future opportunities, unless you request its deletion.

Use of Technology and Website Data

We collect technical and usage data from visits to our website using cookies, analytics tools, and similar technologies. This may include:

IP address
Browser and device information
Referral URLs
Site usage patterns

This data is used to improve website performance, personalize user experience, and inform service improvements. It may also support targeted marketing or analytics in aggregated, anonymized formats.

Safeguards

Leverage Lending uses appropriate physical, organizational, and technological safeguards to protect personal information. We also require service providers to protect information under similar standards. While we take reasonable steps to protect your data, no security system is infallible.

Access and Corrections

You may request access to your personal information or ask for corrections by contacting our Privacy Officer. We will respond in accordance with applicable privacy laws.

Changes to This Policy

This Privacy Policy may be updated from time to time. The most current version will always be available on our website. We recommend reviewing it regularly to stay informed of any changes.

Contact Information

For inquiries, requests, or complaints regarding this Privacy Policy or our personal information practices, please contact:

Leverage Lending
📧 info@leveragelending.ca
🌐www.leveragelending.ca
📍10045 Hurontario Street, Brampton, ON