1. Introduction
LMC Mortgage Solutions (operated by Lee Carter, Mortgage Agent, authorized under Pineapple Mortgages, FSRA Licence #12830) is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Ontario's Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA).
By using lmcmortgages.com or submitting an inquiry, you consent to the practices described in this policy.
2. Information We Collect
We may collect:
Contact information — name, email address, phone number, mailing address
Financial information — income, employment details, credit history, property information (for mortgage processing purposes)
Website usage data — IP address, browser type, pages visited, time spent on site (via cookies and analytics tools)
3. How We Use Your Information
We use your personal information to:
Assess your mortgage needs and eligibility
Connect you with suitable mortgage lenders and products
Communicate with you about your inquiry or application
Comply with MBLAA obligations and FSRA regulatory requirements
Improve our website and services
Send relevant information about mortgage products (with your consent)
4. Disclosure of Your Information
We may share your personal information with:
Mortgage lenders and financial institutions — to process your mortgage application
Pineapple Mortgages — our sponsoring brokerage, which supervises our activities under FSRA regulations
Service providers — third parties who assist with operating our website and business (subject to confidentiality agreements)
Regulatory authorities — including FSRA, when required by law
We do not sell your personal information to third parties.
5. Cookies and Online Advertising
Our website uses cookies and tracking technologies, including:
Google Analytics — to understand how visitors use our site
Google Ads — to display relevant ads and measure campaign performance. Google may use cookies to show ads based on your previous visits to our site.
You can opt out of Google's use of cookies by visiting Google Ads Settings (adssettings.google.com). You may also opt out through the Network Advertising Initiative opt-out page (optout.networkadvertising.org).
6. Data Retention
We retain your personal information as long as necessary to fulfill the purposes for which it was collected, or as required by law and FSRA regulations.
7. Your Rights Under PIPEDA
You have the right to:
Access your personal information held by us
Request correction of inaccurate information
Withdraw consent to the use of your personal information (subject to legal or contractual restrictions)
To exercise these rights, contact us using the information in Section 11.
8. Security
We implement reasonable technical and organizational safeguards to protect your personal information from unauthorized access, disclosure, or misuse.
9. Third-Party Links
Our website may contain links to third-party sites. We are not responsible for their privacy practices and encourage you to review their policies.
10. Changes to This Policy
We may update this Privacy Policy periodically. Changes will be posted on this page with an updated "Last Updated" date.
11. Contact Us
Questions or concerns about this Privacy Policy? Contact:
Lee Carter, Mortgage Agent
Pineapple Mortgages — FSRA Licence #12830
Cambridge, Ontario, Canada
You also have the right to file a complaint with the Office of the Privacy Commissioner of Canada at www.priv.gc.ca.