Privacy Policy

This Privacy Policy describes how Michael North, operating under Owl Mortgage ("we," "us," or "our"), collects, uses, and protects your personal information when you visit our website at www.lendwire.ca or any related websites, mobile platforms, or applications (collectively, the "Website"). We are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner.

By accessing or using the Website, you agree to the terms of this Privacy Policy. If you do not agree with these terms, please do not use the Website.

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, and mailing address.
• Financial Information: Income, employment details, credit history, property information, and other data relevant to mortgage applications.
• Identification Documents: Government-issued ID, proof of income, and other documents required for mortgage processing.
• Usage Data: IP address, browser type, device information, pages visited, and other analytics data.
• Communications: Records of your correspondence with us via email, phone, or other channels.

We use your personal information for the following purposes:

• To process and evaluate mortgage applications
• To communicate with you about your application status and our services
• To share information with lenders and other parties necessary to complete your mortgage transaction
• To comply with legal and regulatory requirements, including FSRA regulations
• To improve our services and website functionality
• To send you relevant information about mortgage products and services (with your consent)

We may share your personal information with:

• Owl Mortgage: As our licensed brokerage, Owl Mortgage (Brokerage #13364, Powered by Centum Financial) processes all mortgage applications and maintains records as required by FSRA.
• Lenders: Banks, credit unions, and private lenders who may provide mortgage financing.
• Service Providers: Third parties who assist with application processing, credit checks, and other services.
• Legal Authorities: When required by law or to protect our legal rights.

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include secure data storage, encryption, and access controls. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Under applicable privacy laws, you have the right to:

• Access the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your personal information (subject to legal retention requirements)
• Withdraw consent for marketing communications
• Lodge a complaint with the appropriate regulatory authority

Cookies and Tracking Technologies

Our Website may use cookies and similar tracking technologies to enhance your experience, analyze usage patterns, and improve our services. You can control cookie preferences through your browser settings. Please note that disabling cookies may affect website functionality.

Third-Party Links

Our Website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. Any changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Website after any changes constitutes acceptance of the updated policy.