Privacy Policy

Effective Date: March 27, 2026

1. Introduction & Accountability

Reet Brar is a mortgage subbroker licensed in British Columbia. She provide mortgage services through our sponsoring brokerage, 8Twelve Mortgage Corporation (BC License #X300983).

We are committed to protecting your personal information in compliance with the Personal Information Protection Act (PIPA) of British Columbia and the Personal Information Protection and Electronic Documents Act (PIPEDA). We have designated a Privacy Officer to ensure our ongoing compliance.

2. Information We Collect

To provide mortgage brokerage services, we must collect sensitive personal and financial information, including:

• Identification: Full name, date of birth, and Social Security Number (SIN) for credit verification.

• Contact Info: Residential address, phone number, and email.

• Financial Data: Employment history, pay stubs, tax assessments (NOAs), bank statements, and information regarding assets/liabilities.

• Digital Data: IP addresses and cookies used for website analytics and advertising performance (via Meta, Google, and Ryze AI).

3. Purpose of Collection

We collect and use your data only for purposes that a reasonable person would consider appropriate in the circumstances, specifically:

• To verify your identity and protect against fraud (FINTRAC compliance).

• To assess your creditworthiness by obtaining credit reports from agencies like Equifax or TransUnion.

• To submit mortgage applications to potential lenders on your behalf.

• To provide ongoing mortgage advice and communication regarding the Kamloops and BC real estate markets.

4. Consent & Disclosure

By submitting your information via our website or lead forms, you provide express consent for us to collect and share your data with:

• Lenders & Financial Institutions: For the purpose of securing mortgage financing.

• Credit Bureaus: To pull your credit score and history.

• Regulatory Bodies: Including the BCFSA, if required by law or audit.

• Third-Party Service Providers: Secure platforms (such as CRMs or AI automation tools) used solely for the administration of your file. We do not sell your personal data to third parties.

5. Data Retention & Security

• Retention: In accordance with the Mortgage Brokers Act and BCFSA rules, we are required to retain mortgage application records for a minimum of 7 years.

• Security: We use industry-standard security measures, including SSL (Secure Sockets Layer) encryption, to protect your data during transmission. Access to your sensitive financial files is restricted to authorized personnel on a "need-to-know" basis.

6. Your Rights

Under PIPA, you have the right to:

• Request access to the personal information we hold about you.

• Request the correction of any inaccurate or incomplete information.

• Withdraw your consent at any time (subject to legal or contractual restrictions and reasonable notice).

7. Regulatory Disclosure (BCFSA)

Reet Brar is a licensed mortgage professional. All mortgage activities are conducted under the supervision of 8Twelve Mortgage Corporation.

• Brokerage Name: 8Twelve Mortgage Corporation

• BC License Number: X300983

• Head Office: MNP Tower, 1021 West Hastings St, 9th Floor, Vancouver, BC V6E 0C3

8. Contact Information

For questions regarding this policy or to exercise your privacy rights, please contact:

Reet Brar Privacy Officer | Strategic Mortgage Advisor 8Twelve Mortgage

Email: mortgagewithreet@gmail.com

Website: www.reetbrar.com