Privacy Policy

The short version

We collect only the information we need to answer your questions, send you what you’ve asked for, and help with your mortgage. We don’t sell your personal information. You can ask to see it, correct it, or have us delete it where the law allows. The details are below.

1. Who We Are and What This Policy Covers

The MOREgage Company is a team of mortgage brokers operating under the brokerage licence of Indi Mortgage – The Independent Mortgage Co. (“Indi Mortgage”). In this Policy, “we,” “us,” and “our” mean The MOREgage Company and Indi Mortgage.

This Policy explains how we collect, use, share, and protect personal information when you visit https://themoregagecompany.ca, sign up for our guides or emails, book a call, or get in touch with us.

This Policy is written mainly to meet Canadian privacy requirements, including the Personal Information Protection and Electronic Documents Act (PIPEDA), Alberta’s Personal Information Protection Act (PIPA), and other applicable provincial privacy laws. Where a visitor’s location or our activities require it, this Policy also describes rights that may apply under laws such as the European Union’s General Data Protection Regulation (GDPR), the UK GDPR, and California’s Consumer Privacy Act (CCPA/CPRA).

By using our website, you agree to the collection and use of personal information as described in this Policy.

Our Contact Details
The MOREgage Company
233 14 Street NW, Calgary, AB T2N 1Z6
info@themoregagecompany.ca
https://themoregagecompany.ca/contact

Privacy Contact
Gord Appel, Indi Mortgage
gord.appel@indimortgage.ca
(403) 714-4663

2. Information We Collect

We collect information that is reasonably needed to run our website, respond to you, and improve our services.

2.1 Information You Give Us

• Contact details: your name, email address, phone number, and anything else you include when you email us, book a call, or sign up for a guide or our emails.
• Inquiry details: what you share with us when you ask about a purchase, renewal, refinance, or other mortgage question.
• Budget Worksheet details: the figures you enter into our Budget Worksheet, if you choose to have the results emailed. [CONFIRM fields and who receives the email]
• Professional details: your job title, company, and business contact details if you connect with us as a Realtor or other professional partner.

2.2 Information Collected Automatically

• Device information: IP address, browser type and version, operating system, approximate location based on your IP address, and device identifiers.
• Website activity: pages viewed, how you arrived at our site, how you move through it, and similar interaction details.

2.3 Mortgage Applications and Sensitive Information
You don’t apply for a mortgage on this website. When you click to start an application, you’re taken to our secure online application platform, Finmo, which is run by a separate company and has its own privacy policy. Online booking for calls is handled the same way, through third-party scheduling tools.

Please don’t send highly sensitive information, such as your Social Insurance Number, banking details, or income documents, through regular email or our website forms. When we need documents like these, we’ll give you a secure way to send them.

2.4 Cookies and Tracking Tools
We and our service providers use the following tools on this website:

• Essential cookies and local storage: keep the website working and secure, and remember things like whether you’ve already seen a pop-up.
• Google Analytics: helps us understand how visitors use our website so we can improve it.
• Trustindex: displays our Google Reviews. When the reviews load, your browser connects to Trustindex, which may receive your IP address.
• Zoho Campaigns: runs our guide and email sign-up forms and sends our emails. Zoho may record whether an email was opened or a link was clicked.
• Security tools: our website security software records IP addresses and visit details to block attacks and protect the site.
• Server logs: our website host keeps logs to maintain security, fix technical problems, and support the website.

As of the effective date of this Policy, we do not use a Meta (Facebook) Pixel or other advertising pixels on this website. If that changes, it will be covered by this Policy.

You can block or delete cookies through your browser settings. Blocking some cookies may affect how parts of the website work.

3. How We Use Your Information

We use personal information for the purposes below, based on your consent, our legitimate business needs, the services you’ve asked for, or our legal obligations.

• To run the website: showing pages, operating features, and making our contact information available.
• To respond to you: answering questions and following up on requests you send us.
• To send what you asked for: delivering guides and emails you’ve signed up for.
• To improve our website and services: understanding how the website is used and making it easier to use.
• To measure website traffic: through Google Analytics.
• To keep things secure: preventing misuse and protecting our systems.
• To meet legal requirements: including recordkeeping, regulatory obligations, and lawful requests from authorities.

4. Our Emails

We only send marketing emails to people who have agreed to receive them, as required by Canada’s Anti-Spam Legislation (CASL). Every email includes an unsubscribe link, and you can opt out at any time. If you unsubscribe, we may still contact you about a mortgage file or request you have in progress with us.

5. How We Share Your Information

We share personal information only where it’s needed to run our website and services, or where the law requires it.

• Service providers: companies that help us run our website and business, including our website host, Google (analytics and email), Zoho (email sign-ups and our client management system), Trustindex (reviews), Finmo (mortgage applications), and our online booking tools.
• Our brokerage: Indi Mortgage, which holds the brokerage licence we operate under.
• When you apply for a mortgage: your information is shared with lenders, mortgage default insurers, and others as described in the consent you give when you apply.
• Professional advisors and regulators: where required for legal, regulatory, insurance, compliance, or audit purposes, including our regulator, the Real Estate Council of Alberta (RECA).
• Business transfers: if all or part of our business is reorganized, merged, sold, or transferred.
• With your direction or consent: when you ask us to connect you with another professional or allow us to share your information.

We do not sell personal information. As of the effective date of this Policy, we do not use this website to share personal information for targeted advertising across other websites and apps.

6. Information Stored Outside Canada

Some of our service providers may store or process personal information outside your province or outside Canada, including in the United States, where privacy laws may differ from ours. When we use these providers, we look for ones that offer appropriate contractual, technical, and organizational protections for the information involved.

7. How We Protect and Keep Your Information

7.1 Protecting Your Information
We use administrative, technical, and organizational safeguards to protect personal information from unauthorized access, use, disclosure, change, or destruction. These include:

• Encrypted connections (HTTPS) between your browser and our website.
• A website firewall and two-factor sign-in for everyone who manages the website.
• Limits on who can access personal information, based on their role.
• Collecting only the information we need.
• Reviewing the security practices of the service providers we use.

No method of sending or storing information online is completely secure, so we can’t guarantee absolute security.

7.2 How Long We Keep Your Information
We keep personal information only as long as we need it for the purposes in this Policy, or as long as required by law, regulation, recordkeeping, dispute resolution, or legitimate business needs. When we no longer need it, we securely delete it or remove anything that identifies you.

8. Your Privacy Rights

Depending on where you live and the laws that apply, you may have the right to:

• Know what personal information we collect, why, and how we use it.
• Ask to see the personal information we hold about you.
• Ask us to correct information that is wrong or incomplete.
• Ask us to delete your information, where the law allows.
• Object to or limit certain uses of your information.
• Withdraw your consent where we rely on it, including unsubscribing from our emails.

California residents may have additional rights under the CCPA/CPRA, including the right to know, delete, or correct certain information. Canadian residents may also ask to access or correct their personal information, or challenge how we handle it under applicable law.

To use any of these rights, contact gord.appel@indimortgage.ca or info@themoregagecompany.ca. We may need to confirm your identity before we respond.

9. Children’s Privacy

Our website is not meant for children under 13, and we do not knowingly collect personal information from children through it. If you believe a child has given us personal information online, please contact us so we can look into it.

10. Links to Other Websites

Our website links to other websites and tools, including our application platform, booking tools, and social media pages. When you follow one of those links, that company’s privacy practices apply. We encourage you to read their privacy policies.

11. Changes to This Policy

We may update this Policy from time to time. When we do, we’ll post the new version on this page and update the dates at the top.

12. Questions and Complaints

If you have a concern about how we handle your personal information, please contact us first using the details above so we can try to resolve it.

You also have the right to contact a privacy regulator, including the Office of the Privacy Commissioner of Canada, the Office of the Information and Privacy Commissioner of Alberta, or the privacy authority where you live.