Privacy

Who we are

This website belongs to Puneet Mann, a Mortgage Agent Level 2 (FSRA licence M17000192). Puneet works with Dominion Lending Centres Keystone Financial Experts, the trading name of Keystone Financial Experts Inc., mortgage brokerage licence 13654, in Brampton, Ontario.

In this policy, “we” and “us” mean Puneet and the brokerage. The brokerage is responsible for the personal information collected for mortgage services and has a person accountable for privacy, named in Questions or concerns.

What we collect

When you browse this website

You can read every page without telling us who you are. This website sets no cookies of its own and uses no analytics or advertising trackers. Like every website, the company that hosts it keeps standard technical records of each visit, such as your IP address, browser type and the pages requested, to keep the site running and secure. This website is hosted by Cloudflare, listed below.

When you use the calculator

The figures you enter are worked out in your own browser. They are not sent to us or saved.

When you send your details

To ask Puneet to contact you, you give your name, phone number and email address, and choose the type of mortgage and your timeframe. This form is the only way to contact Puneet through this website. It is delivered to Puneet’s email inbox by FormSubmit, listed below.

When you apply for a mortgage

If you go ahead with an application, Puneet asks for the information a lender needs to assess it. This usually includes:

• your name, date of birth, address and contact details
• identity documents, which the law requires us to verify
• employment, income and business information
• your savings, down payment, assets and debts
• details of the property
• your credit report, which we obtain only with your consent

Please share someone else’s information, such as a co-applicant’s, only when you have their permission.

How we use it

We use your information to:

• contact you about your request and arrange a time to talk
• understand your plans and compare mortgage options for you
• prepare and submit your application to the lenders you choose
• verify your identity and keep the records that mortgage rules and anti-money laundering law require
• answer your questions and look after your mortgage through closing and renewal

We use it only for these purposes, or for a new purpose you agree to. We never sell your information. We send you marketing emails only if you ask to receive them, and every one has a way to unsubscribe.

Who we share it with

We share your information only as far as your mortgage needs it, or as the law requires:

Lenders

The banks, credit unions, alternative or private lenders you choose to apply with.

Mortgage insurers

When your mortgage needs default insurance, the insurer the lender uses.

Credit bureaus

Equifax or TransUnion, to obtain your credit report with your consent.

The brokerage

Dominion Lending Centres Keystone Financial Experts, including its Principal Broker, who supervises the work of every agent.

Others on your file

With your agreement, people involved in your purchase, such as your lawyer or an appraiser.

Regulators

The Financial Services Regulatory Authority of Ontario (FSRA) and FINTRAC, when the law requires it.

Service providers

The companies that run this website and our contact form and email, listed below. They may use your information only to provide that service.

Services this website uses

Cloudflare

Hosts this website and keeps the standard technical records of each visit described above. Cloudflare’s privacy policy

FormSubmit

Delivers the details you send through the contact form to Puneet’s email inbox. FormSubmit’s privacy policy

Gmail

Google’s email service, which holds the inbox your details arrive in. Google’s privacy policy

Google Maps

Shows the office maps on the About page. Google may set cookies when a map loads. Google’s privacy policy

Google Fonts

Supplies the lettering on this website. Your browser requests it from Google, which receives your IP address.

jsDelivr

Delivers a small script that makes the pages scroll smoothly. It receives your IP address. jsDelivr’s privacy policy

Instagram

Links to Puneet’s videos open on Instagram, which has its own privacy policy.

Where it is stored

Some of the services above may store or process information outside Canada, including in the United States. While it is there, it is subject to that country’s laws and may be accessed by its courts, law enforcement and national security authorities.

How long we keep it

We keep your information only as long as we need it for the purposes above. Mortgage records are kept for the periods the law sets. For example, anti-money laundering law requires client records to be kept for at least five years after the last transaction. After that, they are securely destroyed.

How we protect it

We protect your information with safeguards suited to how sensitive it is. Access is limited to the people who need it for your file, documents are stored securely, and the companies we work with must protect it to the same standard.

Your choices

• See your information. Ask what we hold about you and how it has been used.
• Correct it. Ask us to fix anything that is inaccurate or incomplete.
• Withdraw your consent. You can change your mind at any time, subject to legal or contract requirements. We will explain what that means for your application.

Send your request to the contact below. We may ask you to confirm your identity first, and we will reply within 30 days.

Questions or concerns

For any privacy question or request, contact the brokerage’s privacy officer:

Dominion Lending Centres Keystone Financial Experts
9280 Goreway Dr, Unit C102, Brampton, Ontario
647-296-4374

We will work with you to resolve any concern. If you are still not satisfied, you can contact the Office of the Privacy Commissioner of Canada.

Changes to this page

We update this policy when our practices change. The date at the top of the page shows the latest version.