Last Updated: December 18, 2025
Welcome to 647mortgage.com. We are committed to maintaining the accuracy, confidentiality, and security of your personally identifiable information ("Personal Information"). As part of this commitment, our Privacy Policy governs our actions as they relate to the collection, use, and disclosure of Personal Information. This policy outlines our practices in accordance with Canadian federal and provincial privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and Canada's Anti-Spam Legislation (CASL).
This Privacy Policy applies to all individuals ("you" or "users") who visit our website, apply for mortgage services, or communicate with us through any channel, including SMS/text messaging. By accessing our services, you acknowledge and agree to the terms outlined herein.
To provide high-caliber mortgage solutions, including residential, commercial, and reverse mortgages, we must collect detailed personal and financial data. The types of information we collect include:
Full legal name, date of birth, and social insurance number (optional, but may be required for credit checks).
Government-issued identification (Driver's License, Passport, or Provincial ID).
Marital status and number of dependents.
Current and previous residential addresses.
Email address.
Phone numbers (mobile, home, work).
Employment history, employer details, and income verification (e.g., pay stubs, T4 slips, Notices of Assessment).
Assets and liabilities statements (bank accounts, investments, real estate holdings, debts, loans).
Credit history and credit score information obtained from credit reporting agencies (e.g., Equifax, TransUnion).
Banking information for funding purposes.
Details regarding the property being purchased, refinanced, or used as collateral.
Property tax bills, condo fees, and heating costs.
Existing mortgage statements.
When you visit 647mortgage.com, we may automatically collect:
IP address and browser type.
Device information and operating system.
Pages visited, time spent on pages, and referring URL.
We collect information through the following methods:
Directly from You: When you fill out forms on our website, submit a mortgage application, email us, or communicate via phone or SMS.
From Third Parties: With your explicit consent, we obtain reports from credit bureaus, appraisers, employers, and other financial institutions to verify your financial standing.
Automated Technologies: Through cookies and web beacons on our website to improve user experience and analyze traffic.
IMPORTANT: We utilize Application-to-Person (A2P) messaging to communicate important updates regarding your mortgage application, rate changes, and appointment reminders. Strict compliance with carrier regulations is maintained.
By providing your mobile phone number to 647mortgage.com—whether through a web form, application, or direct communication—you expressly consent to receive non-marketing and marketing text messages from us. This consent is not a condition of purchasing any property, goods, or services.
Message frequency varies based on the status of your mortgage application or inquiry. During active underwriting or closing processes, message volume may increase to ensure timely communication.
Message and data rates may apply depending on your mobile carrier plan. 647mortgage.com and Choice Financial Corp. are not responsible for any charges incurred from your mobile provider.
STOP: You can cancel the SMS service at any time. Just text "STOP" to the short code or number provided. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time, and we will start sending SMS messages to you again.
HELP: If you are experiencing issues with the messaging program, you can reply with the keyword "HELP" for more assistance, or you can get help directly at our contact information provided below.
Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We use your information for legitimate business purposes related to securing mortgage financing:
Mortgage Processing: To assess your eligibility for mortgage products, determine lending strategy, and structure financing.
Lender Matching: To identify suitable lenders (banks, credit unions, private lenders) based on your unique financial profile and underwriting logic.
Communication: To provide updates, request documentation, and answer inquiries in English, Ukrainian, or Russian as requested.
Verification: To verify your identity and prevent fraud as required by the Proceeds of Crime (Money Laundering) and Terrorist Financing Act.
Legal Compliance: To meet regulatory requirements set forth by the Financial Services Regulatory Authority of Ontario (FSRA) and other governing bodies.
We operate within an ecosystem of lenders and professionals. We may share your information with:
We submit your application data to various lenders (banks, trust companies, credit unions, private lenders) to secure mortgage approval. Lenders use this data for their own underwriting and risk assessment processes.
We may share necessary information with third-party service providers essential to the mortgage transaction, including:
Real estate appraisers to value your property.
Title insurance companies and solicitors/notaries for closing.
Mortgage default insurance providers (CMHC, Sagen, Canada Guaranty).
Software providers used for secure document storage and application processing (e.g., Filogix, Velocity).
We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., a court or government agency).
647mortgage.com complies with Canada's Anti-Spam Legislation (CASL). We will only send you commercial electronic messages (CEMs) if we have your express or implied consent. You may unsubscribe from our email communications at any time by clicking the "unsubscribe" link at the bottom of our emails or by contacting us directly.
We employ robust security measures to protect your personal and financial information from unauthorized access, alteration, disclosure, or destruction. These measures include:
Encryption: Utilization of SSL/TLS encryption for data transmission.
Access Controls: strict limitations on access to personal data to only those employees, agents, and contractors who have a business need to know.
Physical Security: Secure storage of physical files (if any) and secure office environments.
Vendor Vetting: Ensuring our software partners (e.g., CRM systems, application portals) adhere to industry-standard security protocols.
We retain your Personal Information only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use your information to the extent necessary to comply with our legal obligations (for example, FSRA requires mortgage brokerages to retain transaction records for a specific period, typically 6-7 years), resolve disputes, and enforce our legal agreements and policies.
Under Canadian privacy laws, you have specific rights regarding your personal information:
Access: You have the right to request copies of your personal data.
Correction: You have the right to request that we correct any information you believe is inaccurate or incomplete.
Withdrawal of Consent: You may withdraw your consent for the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions and reasonable notice. Note that withdrawing consent may affect our ability to provide mortgage services to you.
Complaint: You have the right to file a complaint with the Privacy Commissioner of Canada if you believe your privacy rights have been violated.
Our website uses "cookies" to enhance your experience. A cookie is a piece of data stored on your hard drive to help us improve your access to our site and identify repeat visitors. Usage of a cookie is in no way linked to any personally identifiable information on our site. You can choose to disable cookies through your browser settings, though this may limit some functionality of the website.
Your information, including Personal Data, may be processed and stored on servers located outside of your province or country (e.g., cloud storage providers with servers in the United States). While in another jurisdiction, your information may be subject to the laws of that jurisdiction.
Our website may contain links to other sites that are not operated by us. If you click on a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this policy. You are advised to review this Privacy Policy periodically for any changes.
If you have any questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how your data is handled, please contact us:
647[email protected]
Attention: Mortgage Agent
Affiliation: Choice Financial Corp.
Email: [email protected]
Phone: +1 647-559-4525
Website: www.647mortgage.com