Privacy Policy

1. About This Policy

This Privacy Policy describes how 2802551 Ontario Inc., operating under the trade name Fox Mortgage ("Fox Mortgage", "we", "us", or "our"), collects, uses, and discloses personal information in the course of our mortgage agent activities and related services.

We are governed by the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation. Questions or requests regarding your personal information may be directed to our Privacy Officer at mfox@foxmortgage.ca.

2. Privacy Officer

Privacy Officer: Fox Mortgage
Email: mfox@foxmortgage.ca

We will respond to written privacy requests within 30 days of receipt. If you are unsatisfied with our response, you may file a complaint with the Office of the Privacy Commissioner of Canada (OPC) at www.priv.gc.ca.

3. Information We Collect

Depending on the services you use, we may collect the following categories of personal information:

• Contact information (name, address, phone number, email address)
• Financial information (income, assets, debts, employment history)
• Credit information (credit scores and bureau reports)
• Government-issued identification
• Social Insurance Number (SIN) — collected for FINTRAC anti-money laundering compliance only, with your express consent
• Property information (address, purchase price, current value, mortgage details)
• Website technical data (IP address, cookies, device type, browser)

4. How We Collect It

We collect personal information through the following means:

• Web forms and authenticated portal interactions on foxmortgage.ca
• Direct communication (phone, email, in-person meetings)
• Referrals from Financial Planner partners
• Bank transaction data via QuickBooks Online — for internal bookkeeping of 2802551 Ontario Inc. only

5. Why We Collect It

We use your personal information for the following purposes:

• Mortgage arrangement and placement with lending institutions
• Strategic Mortgage Monitoring — ongoing rate and renewal monitoring
• Investor portal services and reporting
• Financial Planner referral platform operations
• Regulatory compliance, including FINTRAC anti-money laundering obligations, FSRA licensing requirements, and the Mortgage Brokerages, Lenders and Administrators Act (MBLAA)

6. Consent

We obtain express consent before collecting sensitive personal information, including your Social Insurance Number, detailed financial information, and credit bureau access.

Implied consent applies when you submit a mortgage application or engage us for services, as providing information in that context indicates acceptance of its use for the stated purpose.

You may withdraw consent at any time by contacting us at mfox@foxmortgage.ca. Note that withdrawal of consent may limit our ability to complete services on your behalf and does not affect our obligations to retain information under FINTRAC, FSRA, or other applicable regulatory requirements.

7. Third-Party Disclosure

We may share your personal information with the following parties, strictly as required to deliver our services or meet our regulatory obligations:

• BRX Mortgage Inc. — supervising brokerage
• Mortgage lenders and financial institutions — for mortgage placement
• Equifax and TransUnion — credit bureau inquiries
• FINTRAC — anti-money laundering reporting
• FSRA (Financial Services Regulatory Authority of Ontario) — regulatory compliance
• Zoho CRM — client relationship management
• Intuit QuickBooks Online — internal bookkeeping
• Clerk.dev — portal authentication
• Vercel Inc. — website and portal hosting (United States)
• Resend Inc. — transactional email (United States)
• Dialpad Inc. — business communications
• Finmo — mortgage application platform

Some of our service providers are located outside Canada, including in the United States. Your information may be stored or processed in the United States, subject to that country's laws.

8. Data Retention

We retain personal information for a minimum of 7 years from the date of last activity, or as required by applicable law, whichever is longer. After the retention period, information is securely destroyed.

9. Security

We protect personal information using:

• HTTPS/TLS encryption for all data in transit
• Access controls and authenticated portals
• Employee confidentiality obligations
• Third-party providers held to appropriate security standards

10. Your Rights

You have the right to:

• Access — request a copy of the personal information we hold about you (written request to mfox@foxmortgage.ca; 30-day response)
• Correction — request that inaccurate information be corrected
• Consent withdrawal — subject to legal and regulatory obligations, withdraw consent for future use
• Complaint — file a complaint with our Privacy Officer, and if unsatisfied, with the Office of the Privacy Commissioner of Canada

11. Cookies and Tracking

Fox Mortgage does not currently use analytics or tracking cookies beyond those technically required for portal functionality (Clerk session management). This policy will be updated if tracking practices change.

12. QuickBooks Integration

The Fox Bookkeeping Agent integrates with Intuit QuickBooks Online for the internal bookkeeping of 2802551 Ontario Inc. only. QuickBooks data is accessed via OAuth 2.0 authorization, used solely for transaction categorization and financial reporting, and is not sold or shared with any third party. QBO access can be revoked at any time through your Intuit account settings.

For the complete Intuit-specific privacy disclosure, see: foxmortgage.ca/legal/bookkeeping-agent-privacy

13. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date.

14. Governing Law

This Privacy Policy is governed by the laws of the Province of Ontario, Canada.

15. Contact

mfox@foxmortgage.ca
Fox Mortgage
Fergus, Ontario