Privacy Policy

Last updated: April 20, 2026

Abhishek Gangal ("we", "us", "I") is committed to protecting the privacy of visitors to this website and the personal information of mortgage applicants and clients. This Privacy Policy explains how personal information is collected, used, disclosed, and protected in connection with services provided as a Mortgage Agent Level 1 licensed in Ontario under Dominion Lending Centres FC Funding (Brokerage Licence #10671).

This Privacy Policy is governed by Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA), applicable provincial privacy legislation, Ontario's Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA), and related Financial Services Regulatory Authority of Ontario (FSRA) guidance.

On this page What we collect How we use it Who we share it with Your consent Safeguards Retention Your rights Electronic communications (CASL) Cookies Contact / privacy officer

1. Information We Collect

Depending on how you interact with us, we may collect the following categories of personal information:

Identification information: full legal name, date of birth, Social Insurance Number (where required by a lender), government-issued ID numbers.
Contact information: address, telephone numbers, email address, preferred contact method.
Financial information: income, employment details, assets, liabilities, credit information, bank account information, property details, down-payment source.
Credit information: where you provide written consent, we (or lenders on your behalf) may obtain your credit bureau report from Equifax and/or TransUnion.
Technical information: when you visit this website, we may collect IP address, browser type, device information, pages visited, and referral source through standard server logs and analytics tools.

2. How We Use Your Information

We use personal information only for purposes you would reasonably expect, including:

Responding to your enquiries and communications.
Assessing your mortgage needs and preparing applications to lenders, mortgage insurers (CMHC, Sagen, Canada Guaranty), and other service providers.
Submitting mortgage applications on your behalf and negotiating terms.
Complying with "Know Your Client" (KYC), anti-money-laundering (FINTRAC), and other legal and regulatory obligations.
Administering and servicing your file, including document storage, renewal outreach, and follow-up.
Improving this website and our services in aggregated, de-identified form.

3. Disclosure of Personal Information

Personal information may be shared only with parties necessary to deliver the service you have requested, including:

Lenders (banks, credit unions, monoline lenders, trust companies, alternative and private lenders).
Mortgage default insurers (CMHC, Sagen, Canada Guaranty).
Real estate lawyers / notaries involved in your transaction.
Appraisers, home inspectors, and title insurers where required.
Dominion Lending Centres FC Funding (the brokerage of record) and its authorised compliance staff.
Regulatory authorities (FSRA, FINTRAC) where required by law.
Service providers that help operate this website or our practice (e.g. hosting, email, analytics), bound by confidentiality obligations.

We do not sell your personal information. We do not share it for marketing purposes unrelated to your mortgage needs without your express consent.

By submitting information through this website, by signing a mortgage application, or by communicating with us, you consent to the collection, use, and disclosure of your personal information as described in this Policy. You may withdraw consent at any time by contacting us in writing — though withdrawing consent may prevent us from continuing to act for you.

5. Safeguards

We use reasonable administrative, technical, and physical safeguards to protect personal information against unauthorised access, disclosure, alteration, or destruction. This includes password-protected systems, encrypted email or secure document-exchange portals, and limited access to authorised personnel.

No method of electronic transmission is 100% secure. Please do not send sensitive information (SIN, full banking details) via unsecured email. I will provide a secure upload link for such items.

6. Retention

Personal information is retained only for as long as necessary to fulfill the purposes described in this Policy and to comply with applicable law and regulatory recordkeeping requirements. Under MBLAA and FINTRAC, mortgage files must generally be retained for six (6) years after the later of the file closing or the last client interaction.

7. Your Privacy Rights

Subject to applicable law, you have the right to:

Access the personal information we hold about you.
Request correction of information that is inaccurate or incomplete.
Withdraw consent (subject to legal and contractual restrictions).
Lodge a complaint with the Office of the Privacy Commissioner of Canada (priv.gc.ca) if you believe your privacy rights have been breached.

8. Electronic Communications (CASL)

Commercial electronic messages (email, SMS, WhatsApp) are sent only with your express or implied consent, in compliance with Canada's Anti-Spam Legislation (CASL). Every commercial email contains an unsubscribe mechanism. You may also opt out of text/SMS messages at any time by replying STOP.

9. Cookies & Analytics

This website uses basic cookies and may use analytics services (such as Google Analytics) to understand visitor behaviour in aggregated form. No personally identifying information is stored in cookies without your consent. You can disable cookies in your browser settings.

10. Children

This website and our services are not directed to individuals under 18. We do not knowingly collect personal information from minors.

11. Updates to This Policy

This Privacy Policy may be updated from time to time. Material changes will be reflected by updating the "Last updated" date above. Continued use of this website after an update constitutes acceptance of the revised policy.

12. Privacy Officer & Contact

If you have a question, request, or complaint about your personal information, please contact the Privacy Officer:

Abhishek Gangal
Mortgage Agent Level 1 · Privacy Officer
Dominion Lending Centres FC Funding (Licence #10671)
Email: mortgages@abhishekgangal.ca
Telephone: 289-834-9099

You may also contact the brokerage's compliance officer through DLC FC Funding, or the Office of the Privacy Commissioner of Canada at 1-800-282-1376 / priv.gc.ca.

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