Privacy Policy

Last updated: June 2026

1. Our Commitment to Your Privacy

As a licensed mortgage agent, we collect and handle sensitive financial and personal information as part of arranging mortgage financing. This Privacy Policy explains what we collect, why we collect it, how we use and protect it, and the choices you have. By using this website or engaging our services, you consent to the practices described here.

2. Information We Collect

We collect only the information reasonably needed to provide mortgage brokering services and to comply with our legal obligations. Depending on how you interact with us, this may include:

• Contact details such as your name, phone number, email, and mailing address;
• Financial information such as income, employment, assets, liabilities, credit history, and property details;
• Identification documents required to verify your identity; and
• Website usage data such as pages visited and general analytics (see “Cookies & Website Analytics” below).

Providing certain information is voluntary, but declining to provide information required for a mortgage application may limit our ability to assist you.

3. How We Use Your Information

We use your personal information to:

• Assess your needs and arrange suitable mortgage financing;
• Submit applications to, and communicate with, lenders on your behalf;
• Verify your identity and meet anti-fraud and regulatory requirements;
• Respond to your inquiries and provide ongoing service; and
• Send you relevant updates or renewal reminders, where you have consented to receive them.

We will not use your information for a new purpose without obtaining your consent, except where permitted or required by law.

4. When We Share Your Information

We may disclose your personal information to:

• Lenders and financial institutions — to obtain mortgage approvals and complete your transaction;
• Service providers — such as lawyers, appraisers, insurers, and credit bureaus involved in your transaction, under confidentiality obligations;
• Regulators and authorities — where disclosure is required by law or by our regulator; and
• Others you authorize — where you have given us explicit permission to share information.

We do not sell your personal information.

5. Your Privacy Rights

Subject to legal and regulatory limits, you have the right to:

• Access the personal information we hold about you;
• Request correction of inaccurate or incomplete information;
• Withdraw consent to marketing communications at any time; and
• Request deletion of your information, subject to retention periods we are required to observe.

To exercise any of these rights, please contact us using the details below.

6. How We Protect Your Information

We use reasonable physical, technical, and administrative safeguards to protect your information, including access limited to a need-to-know basis, secure storage, and encrypted communications where appropriate. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

7. Cookies & Website Analytics

Our website uses Google Analytics and Google Ads cookies to understand how visitors use our pages and to measure the effectiveness of our advertising. These analytics and advertising cookies are not set unless you consent: when you first visit, a banner lets you accept or decline, and we apply Google Consent Mode so no analytics or advertising cookies are stored until you choose “동의” (Accept).

You can change your choice at any time using the “Cookie Settings” link in the footer, or by managing cookies through your browser settings. Declining does not affect your ability to use the site.

8. How Long We Keep Your Information

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected and to meet legal, regulatory, and record-keeping requirements. Mortgage transaction records are typically retained for the period required by applicable regulation, after which they are securely destroyed.

9. Third-Party Links & Policy Updates

Our website may contain links to third-party websites that we do not control and for which we are not responsible. We encourage you to review the privacy policies of any external sites you visit. We may update this Privacy Policy from time to time; the “Last updated” date above reflects the most recent revision.

10. Contact Us

If you have questions about this Privacy Policy or how your information is handled, please contact:

유선영 (Daisy Yoo), 모기지 에이전트
FSRA licence M22-002829
Phone: 1-416-835-8220
Email: daisyyoo94@gmail.com