Privacy Policy

 Last updated – November 7, 2024

Welcome to Bring Your Own Broker, owned and operated by Nicole Tracey, a licensed mortgage broker with Mortgage Architects. Our website is designed to provide detailed information on mortgage products and facilitate connections with potential clients seeking mortgage advice. This privacy policy outlines how we collect, use, and protect the personal information of our users.

1. Collection of Personal Information

  • Types of Data Collected:

    • We collect personal details such as names, phone numbers, email addresses, credit scores, and IP addresses.

  • Methods of Collection:

    • This information is gathered through form submissions and metadata when users interact with our website.

  • Purpose of Collection:

    • The information is used to streamline the mortgage application process, facilitate communication between the user and our site, and enhance the user experience on our website.

2. Use and Disclosure of Personal Information

  • Non-Disclosure:

    • Personal information collected on our site is not shared with any third parties except for the site owner and potential lenders if a user decides to apply for a mortgage.

  • Circumstances of Disclosure:

    • Information may be disclosed as part of a mortgage application process, upon user request, or if required by law enforcement agencies.

3. User Rights and Choices

  • Access and Control:

    • Users have the right to request a copy of their personally identifiable information or request its deletion.

  • Exercise of Rights:

    • These rights can be exercised by contacting Nicole Tracey directly via the provided phone or email contacts.

4. Data Security and Retention

  • Security Measures:

    • Our website employs robust security measures including SSL encryption to ensure that data transmitted is secure and access is limited to the site owner and designated admins.

  • Retention Policy:

    • Personal data is retained until it is no longer necessary for the purpose it was collected for or until the user requests its deletion.

5. International Users

  • Geographic Limitations:

    • Our services are intended only for users within Canada. We do not target or accept personal information from users outside this region.

  • Compliance:

    • We comply with applicable local privacy laws concerning the data of Canadian residents.

6. Changes to This Policy

  • Policy Updates:

    • Any updates to our privacy policy will be posted on our website and take effect immediately upon publication.

7. Contact Information

  • Questions and Concerns:

    • If you have any questions or concerns about how we handle personal information, please contact Nicole Tracey at:

By using Bring Your Own Broker, you acknowledge that you have read and understood this privacy policy. We are committed to protecting your privacy and handling your information in a responsible manner.