Privacy Policy

1. Who we are

HopeWell Mortgages is an Ontario mortgage brokerage. We provide mortgage brokerage and related financing assistance to clients seeking residential mortgages, private mortgages, refinancing, commercial mortgages, business financing, and other mortgage-related solutions.

2. Scope of this Privacy Policy

This Privacy Policy applies to personal information collected through our website, online forms, phone calls, emails, advertising landing pages, analytics tools, and interactions with HopeWell Mortgages. It also applies to information collected when you request a mortgage review, submit a lead form, contact us about a financing inquiry, or interact with our online advertising.

This Privacy Policy does not apply to websites, platforms, lenders, service providers, or third parties that we do not own or control. Those third parties may have their own privacy policies and terms.

3. Personal information we collect

We collect only the personal information that is reasonably necessary for the purposes described in this Privacy Policy, including to respond to inquiries, assess mortgage options, operate our website, prevent fraud and abuse, and comply with legal and regulatory obligations.

Information you provide directly

When you submit a form or contact us, we may collect:

• Full name
• Email address
• Phone number
• Property address or city
• Inquiry type
• Preferred contact method
• Mortgage, property, financing, or business inquiry details
• Any message, document, or information you choose to provide

Mortgage-related information

Depending on your inquiry and the stage of your file, we may request or receive additional information, such as property details, existing mortgage information, income details, credit-related information, identification information, appraisal information, tax or insurance information, corporate/business information, and documents required by lenders, regulators, insurers, appraisers, lawyers, or other parties involved in a mortgage transaction.

Do not send highly sensitive documents through a website form unless we specifically request them and provide an appropriate method for submission.

Technical, analytics, advertising, and security information

When you visit our website or submit a form, we may automatically collect or receive technical and usage information, including:

• IP address
• Hashed IP address used for anti-abuse checks
• Approximate country, region, and city from request headers
• Browser type and user agent
• Device and operating system information
• Pages visited and time on page
• Referrer URL
• Landing page URL
• Google Ads click identifiers, such as GCLID, GBRAID, and WBRAID
• UTM parameters, including source, medium, campaign, term, and content
• Cookie identifiers and analytics identifiers
• Security and abuse-detection signals

4. How we use personal information

We may use personal information for the following purposes:

• To respond to your inquiry
• To contact you by phone, email, text, or other methods you provide
• To review mortgage or financing options
• To assess whether your inquiry may fit lender criteria
• To arrange mortgage brokerage services
• To communicate with lenders, service providers, and transaction parties
• To prepare, process, administer, or support a mortgage application
• To maintain business records and lead records
• To track website performance and advertising effectiveness
• To prevent spam, harassment, fraud, abuse, duplicate submissions, and unauthorized access
• To comply with legal, regulatory, audit, professional, and recordkeeping obligations
• To protect our business, clients, website, staff, and legal rights

5. Consent

By submitting a form, contacting us, using our website, or otherwise providing personal information, you consent to our collection, use, and disclosure of that information for the purposes described in this Privacy Policy and for purposes that are reasonably connected to your inquiry or mortgage file.

You may withdraw consent, subject to legal, contractual, regulatory, and business recordkeeping requirements. If you withdraw consent, we may be unable to continue assisting with your mortgage inquiry or application.

If you provide personal information about another person, you confirm that you have authority or consent to provide that information to us.

6. Communications, calls, emails, and text messages

When you submit an inquiry, you authorize HopeWell Mortgages to contact you about your request using the contact information you provide, including by phone, email, text message, or similar communication methods.

We may send service-related messages about your inquiry, application, requested information, or account/file. We may also send commercial electronic messages where permitted by law, including where we have express or implied consent. Commercial messages will include required identification information and an unsubscribe mechanism where required.

7. Anti-spam, fraud prevention, and abuse prevention

To protect our website, business, clients, and staff from spam, harassment, fraudulent submissions, abusive traffic, and duplicate inquiries, we use server-side security checks on form submissions.

These checks may include:

• Canada-only form submission restrictions
• VPN, proxy, Tor, relay, hosting, or high-risk network detection
• One form submission per IP address within a 30-day period
• Honeypot fields and bot-detection methods
• IP hashing and temporary security records
• Server logs and abuse investigation records

We may use third-party security or IP intelligence providers, such as Proxycheck.io, to help identify VPNs, proxies, Tor, hosting networks, and high-risk traffic. We may use Upstash Redis or similar data storage tools to store hashed IP-based duplicate-submission controls for a limited period.

These controls are intended to protect our systems and staff. They may occasionally block legitimate users on shared networks, VPNs, or unusual internet connections. If you are in Canada and cannot submit a form, please contact us by phone.

8. Cookies, analytics, advertising, and session tools

We use cookies, pixels, scripts, and similar technologies to operate the website, understand visitor behaviour, improve user experience, measure advertising, and protect against abuse.

Our website may use tools such as:

• Google Tag Manager
• Google Analytics 4
• Google Ads conversion tracking
• Google Search Console
• Microsoft Clarity
• Vercel hosting and request infrastructure
• Google Workspace or Google Sheets for lead handling
• Proxycheck.io for VPN/proxy/high-risk network screening
• Upstash Redis for duplicate-submission prevention

Microsoft Clarity

We use Microsoft Clarity to understand how visitors interact with our website through heatmaps, session recordings, click patterns, scrolling behaviour, and related website analytics. We use this information to improve website usability and conversion performance.

We do not intend for Clarity to capture sensitive mortgage or identification information. We aim to mask form inputs and limit access to recordings. You should not enter highly sensitive information into a website field unless it is specifically requested.

Google Ads and analytics

We use Google Ads and Google Analytics to understand advertising performance and website activity. If you click one of our ads, we may collect advertising identifiers such as GCLID, GBRAID, WBRAID, UTM parameters, and landing page details so we can measure whether an ad generated a form submission or other business inquiry.

You can control cookies through your browser settings. Blocking or deleting cookies may affect website functionality, analytics, and advertising measurement.

9. Disclosure of personal information

We may disclose personal information where reasonably necessary for the purposes described in this Privacy Policy, including to:

• Lenders and potential lenders
• Mortgage administrators, underwriters, insurers, and funding sources
• Credit bureaus or reporting agencies, where permitted and authorized
• Appraisers, lawyers, accountants, insurers, title insurers, and other transaction parties
• Technology, hosting, analytics, security, email, CRM, and storage providers
• Regulators, law enforcement, courts, government bodies, or professional advisers where required or permitted by law
• Successors or purchasers in connection with a business transaction, subject to applicable legal requirements

We do not sell personal information to advertisers. We may use advertising and analytics tools to measure performance and improve marketing, but we do not sell your mortgage inquiry details.

10. Credit checks and lender applications

Submitting a website form does not automatically authorize a credit check. If a credit bureau inquiry, lender application, or formal underwriting step is required, we will obtain any additional authorization or documentation required by law, lender policy, or industry practice.

11. Cross-border processing

Some of our technology providers, analytics providers, advertising platforms, cloud services, or service providers may process or store information outside Ontario or outside Canada. Where information is processed outside Canada, it may be subject to the laws of the jurisdiction where it is processed.

12. Safeguards

We use administrative, technical, and organizational safeguards appropriate to the sensitivity of the information. These may include access controls, password-protected systems, restricted access to lead information, use of trusted service providers, hashed IP records for duplicate-prevention controls, and other measures intended to protect personal information from unauthorized access, use, or disclosure.

No website, email system, cloud service, or internet transmission is completely secure. You should avoid sending highly sensitive documents by unencrypted email or through general website forms unless instructed.

13. Retention

We retain personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, including to respond to your inquiry, maintain business records, comply with legal and regulatory obligations, resolve disputes, prevent fraud or abuse, and enforce our rights.

Duplicate-submission records based on hashed IP addresses are generally retained for approximately 30 days. Analytics, advertising, security, and server logs may be retained according to the settings of the relevant service provider or our business needs.

14. Access, correction, and privacy requests

You may request access to, or correction of, personal information we hold about you, subject to legal, regulatory, and business recordkeeping exceptions.

To make a privacy request, contact us at:

Email: info@hopewellmortgages.ca
Phone: +1 647 405 6468

15. Children’s privacy

Our website and services are intended for adults seeking mortgage or financing information. We do not knowingly collect personal information from children.

16. Third-party websites

Our website may contain links to third-party websites, platforms, or services. We are not responsible for the privacy practices, security, content, or policies of third parties.

17. Changes to this Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “Last updated” date. Your continued use of the website after changes are posted means you accept the updated Privacy Policy.

18. Contact us

If you have questions about this Privacy Policy or our handling of personal information, contact: