Privacy Policy

Rebel Mortgage Ltd Privacy Policy

Last updated: Nov. 29, 2025

1. Scope

This Privacy Policy applies to Rebel Mortgage Ltd and its related business activities. In this Policy, “Rebel Mortgage”, “we”, “us” and “our” mean Rebel Mortgage Ltd, FSRA licensed mortgage brokerage number 13623.

This Policy explains how we collect, use, disclose and protect personal information when you:

• visit or use our web site www.RebelMortgage.ca
• contact us by phone, text or e mail
• submit a mortgage application or inquiry to us
• use any on line forms, tools or calculators that we provide
• interact with us in any other way as a client or prospective client

“Personal information” means information about an identifiable individual, as that term is interpreted under Canadian privacy law. This usually includes things like your name, address, contact details, date of birth, financial details, employment information and credit history. It does not usually include business contact information where the law excludes that category.

This Policy does not cover information about our employees or contractors, which is handled under separate internal policies.

2. Our commitment

We take privacy seriously. We collect, use and disclose personal information only in a manner that is consistent with:

• applicable Canadian privacy laws such as PIPEDA
• FSRA requirements for licensed mortgage brokerages
• this Privacy Policy and any consents that you provide

We design our procedures to limit access to personal information to those who need it for lawful business purposes.

3. Consent

We collect, use and disclose your personal information with your consent or where the law allows or requires us to do so without consent.

Consent may be:

• express, for example where you sign a mortgage consent or disclosure form
• implied, for example where you provide information to us after we explain what it will be used for

By providing personal information to us, including through the web site, you consent to our collection, use and disclosure of that information as described in this Policy.

You may withdraw your consent at any time, subject to legal or contractual limits. Withdrawing consent may affect our ability to arrange or service your mortgage or provide certain products or services. You can contact our Privacy Officer using the details at the end of this Policy to ask about withdrawing consent.

4. What we collect and how we collect it

We collect personal information that we reasonably need in order to:

• respond to your inquiries
• assess and submit mortgage applications
• meet our legal and regulatory obligations

We may collect personal information:

• directly from you, for example when you complete a form, upload documents, speak with us, or use our on line tools
• from brokers or agents who work with Rebel Mortgage
• from lenders, mortgage insurers and other financial institutions
• from consumer reporting agencies and credit bureaus
• from employers, appraisers, lawyers or other third parties that you authorize us to contact

Examples of personal information that we may collect include:

• name, address, phone number, e mail address and other contact details
• date of birth, marital status, residency status and identification details
• employment information, income, assets, liabilities and net worth
• credit history, credit scores and credit reports
• details about the property that is being purchased or refinanced
• banking details that are needed for payments and disbursements

We limit the personal information we collect to what is reasonably necessary for the purposes identified in this Policy or that are otherwise allowed or required by law.

5. How we use personal information

We use personal information for purposes such as:

• providing mortgage brokering services to you
• reviewing and submitting mortgage applications and related credit requests
• verifying identity, income, assets, liabilities and property details
• obtaining and reviewing credit reports and other supporting information
• communicating with you about your application, approvals, renewals and related products
• recommending mortgage products, strategies or services that may fit your needs
• processing payments, commissions and fees
• managing our business, files and relationships with lenders and other partners
• developing and improving our services, tools and processes
• meeting legal, regulatory, audit, anti money laundering and fraud prevention requirements
• responding to complaints, inquiries or disputes

If we want to use your personal information for a new purpose that is not listed here, we will identify that purpose and obtain consent where the law requires it.

We may also create statistical, aggregated or anonymized information that does not identify you. We may use and share that type of information for business planning, analytics and reporting.

6. When we share personal information

We do not sell your personal information.

We may disclose your personal information to third parties in situations such as:

• Lenders, insurers and funding partners, when we submit your application or discuss potential mortgage options
• Mortgage brokers or agents working under Rebel Mortgage where they are involved in your file
• Service providers that support our operations, such as document portals, e signature providers, customer relationship management platforms, cloud hosting, analytics providers, information technology support, printing or mailing services and payment processors
• Appraisers, lawyers, title insurance companies and other professionals involved in the mortgage transaction
• Credit reporting agencies and credit bureaus where needed to obtain or update credit information
• Regulators, auditors or law enforcement agencies where required or permitted by law
• A purchaser or prospective purchaser if we ever sell or transfer part of our business, subject to appropriate safeguards

We require service providers who handle personal information on our behalf to protect it in a manner that is consistent with this Policy and applicable law. However, their own privacy policies may also apply.

We may also disclose personal information with your consent or where the law allows or requires disclosure without consent.

7. Storing and retaining personal information

We may store personal information at our offices, in secure off site storage, or with service providers that host data for us in electronic form.

We keep personal information for as long as reasonably necessary to:

• complete the purposes described in this Policy
• meet legal, regulatory and audit requirements
• resolve disputes and enforce agreements

When personal information is no longer needed for these purposes, we aim to securely destroy, delete or anonymize it.

8. Location of information

Some of our service providers may store or process personal information in other provinces or countries. The laws in those places may be different from those in Canada and may allow courts, regulators or other authorities to access personal information in certain situations.

By using our services and providing personal information, you acknowledge that your information may be transferred to and stored in these other locations.

9. Employment applications

If you apply for a position with Rebel Mortgage, we use the personal information that you provide to:

• review and assess your application
• verify information that you provide
• contact you about your application

If you are hired, the information becomes part of your employee file and is handled in line with our internal employee privacy practices.

If you are not hired, we may keep your information for a reasonable period in case of future opportunities, unless you tell us not to.

10. Information collected through our web site and online tools

Like many organizations, we collect certain technical information when you visit our web site or use our on line tools. This may include:

• device type and browser type
• internet protocol address
• pages visited and time spent
• referring web site or search term
• general location information based on your device settings

We may use cookies or similar technologies to:

• remember your preferences and settings
• help secure your session
• understand how visitors use the site
• improve the performance and design of the site
• provide more relevant content or marketing

You can set your browser to refuse cookies or to alert you when cookies are being sent. If you do so, some site features may not function as intended.

We may also use analytics services from third parties that collect usage information so that we can better understand how visitors interact with our site and improve our services.

11. Safeguards

We use reasonable physical, administrative and technical safeguards to protect personal information from loss, theft, misuse and unauthorized access.

Examples include:

• restricting access to personal information to staff who need it for their work
• using secure on line portals for document uploads where available
• encryption and password protection for certain systems and devices
• regular review of our procedures and security measures

Although we use safeguards that are intended to be appropriate for the sensitivity of the information, no method of transmission or storage is completely secure. We cannot guarantee absolute security.

12. Access, correction and questions

You have the right to request access to personal information that we hold about you, subject to limited exceptions set out in law. You also have the right to ask us to correct inaccurate or incomplete personal information.

To request access or correction, or to ask a question or raise a concern about our privacy practices, contact our Privacy Officer:

Rebel Mortgage Ltd
Attention: Privacy Officer
E mail: Compliance @ RebelMortgage.ca
Phone: 416.849.7068
Web site: www.RebelMortgage.ca

We may ask for identification before we provide access to personal information. In some cases we may charge a reasonable fee, which we will advise you about in advance.

If we cannot provide access or make a requested correction, we will explain why, subject to any legal restrictions.

If you are not satisfied with our response, you may have the right to contact the Office of the Privacy Commissioner of Canada or the privacy regulator in your province.

13. Changes to this Policy

We may update this Privacy Policy from time to time. The “Last updated” date at the top of this page shows when it was last revised.

We encourage you to review this Policy periodically so that you know how we collect, use and disclose personal information. Your continued use of our services or web site after any change to this Policy means that you accept the updated Policy.