Privacy Policy

rajsharma.mortgage (doing business as Raj Sharma. Mortgage Advisor. Verico Paragon Mortgage Inc.

and hereinafter referred to as “Raj Sharma,” “we,” “us,” or “our”) is committed to safeguarding your personal information and ensuring its security. This Privacy Policy (hereinafter referred to as the “Policy”) describes how we collect, use, disclose, and protect your personal information and the rights and controls you have over it.

This Policy applies to the websites controlled by Raj Sharma, including the rajsharma.mortgage website (“Sites”), and any services rendered or made available through the Sites, including interactions via phone, email, online chat, or other channels. It does not apply to third-party websites, mobile applications, or services. We are not responsible for third parties’ privacy policies, practices, or procedures.

BY SUBMITTING PERSONAL INFORMATION TO RAJ SHARMA OR ITS SERVICE PROVIDERS AND AGENTS, YOU CONSENT TO OUR COLLECTION, USE, AND DISCLOSURE OF SUCH INFORMATION IN ACCORDANCE WITH THIS POLICY AND AS PERMITTED BY LAW. You may refuse or withdraw your consent at any time, subject to legal and contractual requirements, by contacting our Privacy Officer. However, doing so may impact our ability to provide you with services or information.

If you disagree with this Policy, do not provide us with personal information, use our Sites, or engage with our services.

Policy Contents:

What Information We Collect
How We Collect Your Information
Why We Use Your Personal Information
To Whom We Disclose Your Information
Cross-Jurisdictional Transfers
Protection of Your Information
Retention Period
Your Rights
Cookies, Tracking Technologies, and Advertising
Links to Third-Party Websites and Advertising
Social Media Plugins
Changes to This Policy
Contact Information

1. What Information We Collect

“Personal Information” means any information about an identifiable individual that allows them to be directly or indirectly identified. It does not include anonymized or aggregated data.

We may collect the following categories of personal information:

Identification Information: First name, last name, and preferred name.
Contact Information: Province, email, and phone number.
Property and Financial Details: Purchase price, property information, down payment details, and general credit self-assessment (e.g., Excellent, Good, Fair, Poor).
Client Communications: Messages, opinions, questions, complaints, or evaluations provided during interactions.
Technical Information: Internet protocol (IP) address, browser type, and geolocation data.
Internet Activity Information: Browsing history, search history, page interactions, and online behavior tracked through cookies and similar technologies.

2. How We Collect Your Information

2.1 Information You Provide Voluntarily:

We collect personal information directly from you when:

You complete an application for mortgage comparison services.
You contact us by phone, email, or online chat.
You submit a complaint or request additional information.
You schedule a consultation with one of our representatives.

2.2 Information Collected Automatically:

We collect personal information directly from you when:

Pages visited time spent, and navigation paths.
Browser type and operating system.
Referring websites and links.

3. Why We Use Your Personal Information

We use the information collected for:

Providing and personalizing the services you request.
Improving website functionality and user experience.
Conducting research and analytics to better understand our audience.
Complying with legal and auditing requirements.
Preventing fraud and addressing security concerns.

4. To Whom We Disclose Your Information

We may share your personal information with:

Referral partners offering mortgage-related services.
Service providers who assist with hosting, analytics, and marketing.
Legal authorities or regulators when required by law.
Business acquirers in the event of a sale or transfer of assets.

5. Cross-Jurisdictional Transfers

Your personal information may be stored or processed in jurisdictions outside Canada, including the United States, where data protection laws may differ. By using our services, you consent to such transfers.

6. Protection of Your Information

We use physical, technological, and administrative safeguards to protect your personal data. Despite these measures, no system is entirely secure. We cannot guarantee the absolute safety of your data against unauthorized access or breaches.

7. Retention Period

We retain personal information for as long as necessary to fulfill the purposes outlined in this Policy or comply with legal obligations. Once no longer required, data is securely destroyed, deleted, or anonymized.

8. Your Rights

You have the following rights regarding your personal information:

Access: Request a copy of the personal information we hold about you.
Correction: Update or correct inaccurate information.
Portability: Request data in a machine-readable format.
Withdraw Consent: Revoke consent for data processing (subject to limitations).

9. Cookies, Tracking Technologies, and Advertising

Our Sites use cookies to:

Track browsing behaviour and enhance functionality.
Serve interest-based advertising.

You can manage cookie preferences in your browser settings.

10. Links to Third-Party Websites

Our Sites may contain links to third-party websites or services. We are not responsible for their privacy practices. Review their policies before interacting with their content.

11. Social Media Plugins

Social media plugins on our Sites may collect browsing data, even if you do not interact with the buttons. Review the respective platform’s privacy policy for more details.

12. Changes to This Policy

We may update this Policy periodically. The latest version will be posted on our Sites, and changes will take effect upon posting. Continued use of our Sites implies acceptance of updates.