Privacy Policy

Effective Date: January 1, 2026 Last Updated: January 1, 2026

Ben Choe Personal Mortgage Corporation ("we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our mortgage brokerage services.

This policy is designed to comply with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable British Columbia privacy legislation.

1. Information We Collect

We may collect the following types of information:

  • Personal Identification Information: Name, address, date of birth, phone number, email address

  • Financial Information: Income, employment details, credit history, assets, liabilities, banking information, and other information required to assess mortgage eligibility

  • Property Information: Details about the property being financed or refinanced

  • Identification Documents: Government-issued ID, proof of income, tax documents

  • Website Usage Data: IP address, browser type, pages visited, and cookies (see Section 6)

2. How We Collect Information

We collect information when you:

  • Fill out a form or application on our website

  • Contact us by phone, email, or through our website

  • Book a consultation or appointment

  • Interact with our content or advertisements

3. How We Use Your Information

We use your personal information to:

  • Assess your mortgage application and eligibility

  • Communicate with you about your file, rates, and mortgage options

  • Submit your application to lenders on your behalf

  • Comply with legal and regulatory obligations (including those set by BC's mortgage broker regulations)

  • Improve our website and services

  • Send relevant updates or marketing communications, where you have consented

4. Disclosure of Your Information

We may share your information with:

  • Lenders and financial institutions, in order to secure mortgage financing on your behalf

  • Mortgage insurers (e.g., CMHC, Sagen, Canada Guaranty), where applicable

  • Credit bureaus, to obtain and verify credit information

  • Legal, appraisal, or notary professionals involved in your transaction

  • Regulatory bodies, where required by law (e.g., BCFSA)

We do not sell your personal information to third parties.

5. Consent

By submitting your information through our website or engaging our services, you consent to the collection, use, and disclosure of your personal information as described in this policy. You may withdraw consent at any time, subject to legal or contractual restrictions, by contacting us directly.

6. Cookies and Website Tracking

Our website may use cookies and similar tracking technologies to improve user experience, analyze website traffic, and support advertising efforts (e.g., Facebook Pixel, Google Analytics). You can disable cookies through your browser settings, though this may affect website functionality.

7. Data Security

We use reasonable administrative, technical, and physical safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is completely secure, and we cannot guarantee absolute security.

8. Data Retention

We retain personal information only as long as necessary to fulfill the purposes outlined in this policy, or as required by law or regulatory obligations applicable to mortgage brokers in British Columbia.

9. Your Rights

Under PIPEDA, you have the right to:

  • Access the personal information we hold about you

  • Request corrections to inaccurate or incomplete information

  • Withdraw consent for the use of your information (subject to legal/contractual limits)

  • File a complaint with the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those external sites.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised "Last Updated" date.

12. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact:

Ben Choe Personal Mortgage Corporation Langley, BC, ben.choe@elevatemtg.ca 778-552-6142