JMS Mortgages Inc. (“JMS Mortgages”, “we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you visit [www.jmsmortgages.com] (the “Site”), contact us, submit an inquiry, or apply for mortgage services.
This policy is intended to align with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and relevant provincial privacy requirements, where applicable.
Depending on how you interact with us, we may collect:
Information you provide directly
Contact details (name, email, phone number, mailing address)
Identity details (date of birth, SIN if required for an application — only when necessary and with your consent)
Financial and credit-related information (income, employment details, assets, liabilities, credit history/score where permitted and authorized)
Property and mortgage details (property address, estimated value, mortgage balance, renewal/refinance goals)
Supporting documents you submit (pay stubs, notices of assessment, bank statements, purchase agreements, etc.)
Information collected automatically
Device and usage information (IP address, browser type, device identifiers)
Site activity (pages viewed, time on site, links clicked)
Approximate location (city/region level)
We collect information through:
Website forms (inquiry forms, mortgage applications)
Phone calls, emails, SMS, and other communications
Third-party tools used to run our website and marketing (analytics, ad platforms, form tools, CRM, scheduling tools)
We may use your information to:
Respond to inquiries and provide requested information
Assess suitability and present financing options
Submit applications to lenders/insurers/partners with your authorization
Verify information you provide (where permitted)
Provide ongoing service and client support
Improve our website, services, and user experience
Marketing and advertising (with consent where required), including measuring ad performance
By providing personal information to us, you consent to our collection, use, and disclosure of that information as described in this policy, subject to legal and contractual restrictions.
You may withdraw consent at any time (subject to legal/contractual limits) by contacting us using the details below.
We use cookies and similar technologies to help our Site function, understand traffic, and measure marketing performance.
This may include tools such as Google Analytics and the Meta Pixel (Facebook/Instagram). These tools may collect information about your interactions with our Site (for example: pages visited, form events, or clicks) to:
Measure and improve ad campaigns
Build audiences for advertising (e.g., remarketing)
Understand which ads lead to inquiries
Meta Lead Ads: If you submit your information through a Facebook or Instagram lead form, we receive the information you provide (such as name, email, phone number, and any answers you submit). We use that information to contact you and provide mortgage-related services and information.
Your choices:
You can control cookies through your browser settings and may be able to disable certain tracking.
You can adjust ad preferences in your Facebook/Instagram settings and opt out of certain interest-based advertising.
Disabling cookies may affect some site features.
We do not sell your personal information.
We may share your information with:
Lenders, mortgage insurers, and lending partners to evaluate and fulfill requested financing (with your authorization)
Service providers who help us operate our business (website hosting, analytics, CRM, document collection, email/SMS, scheduling, advertising platforms)
Professional advisors (legal, accounting, compliance) as necessary
Regulators or law enforcement where required or permitted by law
Service providers are required to handle information securely and only for the purposes we authorize.
We use reasonable administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification. However, no method of transmission or storage is 100% secure.
We retain personal information only as long as necessary for the purposes described above, and as required by applicable laws, regulatory requirements, and our business practices. When no longer required, information is securely destroyed or anonymized.
You may request access to or correction of your personal information, subject to certain legal exceptions. You may also ask questions or make a complaint about our privacy practices by contacting us.
Some of our service providers may store or process information outside of Canada (for example, in the United States). In such cases, information may be subject to the laws of the country where it is processed.
Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites.
Our services are intended for individuals who are able to enter into mortgage/credit-related services. We do not knowingly collect personal information from children.
We may update this Privacy Policy from time to time. The “Effective date” above will reflect the latest version. Your continued use of the Site after changes are posted constitutes acceptance of the updated policy.
If you have questions about this Privacy Policy or your personal information, contact:
JMS Mortgages Inc.
Email: info@jmsmortgages.com
Website: [www.jmsmortgages.com]