Effective Date: July 21, 2025

At Team Ravi Singh Mortgages, your privacy is important to us. This policy outlines how we collect, use, and protect your personal and financial information—especially as it relates to residential and commercial loan services.

1. What We Collect

We may collect and store the following types of data:

• Personal Information: Name, phone number, email, home address

• Business Information: Business name, incorporation details, financial records, tax filings

• Financial Information: Income statements, credit scores, banking history

• Usage Data: IP address, device/browser type, site behavior, referral source

• Documents Uploaded: Identification, bank statements, financial statements, etc.

2. How We Use This Information

We use your information to:

• Process residential and commercial loan applications

• Contact you about your mortgage or loan needs

• Conduct risk and credit assessments

• Customize our services and offers

• Improve website functionality and user experience

• Comply with legal obligations

3. Sharing of Information

We do not sell your personal or business information.

We may share it only:

• With authorized lenders and financial institutions for processing your application

• With trusted service providers (e.g., CRM, document management, hosting)

• When required by law or regulation

• With your explicit consent

4. How We Protect Your Information

We implement strict technical and administrative measures, including:

• Secure Socket Layer (SSL) encryption

• Data access controls

• Regular software and server updates

• Confidentiality agreements with third parties

5. Your Rights

You may request to:

• Access, correct, or delete your personal or business data

• Withdraw consent to data use (unless required by law)

• Opt-out of marketing communications at any time

Contact: info@ravisinghmortgages.ca

6. Data Retention

We retain your information only as long as necessary to fulfill service obligations or comply with legal requirements.

7. Business Clients’ Confidentiality

All business loan applicants can be assured that submitted financials, projections, and company documents are kept strictly confidential and shared only with the involved lender(s).

8. Policy Updates

We may update this policy from time to time. The latest version will always be available on our website.