Privacy Policy
First, the status of this page: it is a draft. It still has to be reviewed by the compliance officer at my brokerage, and it has to be checked against that brokerage's own privacy policy. Where the two differ, the brokerage policy governs. Nothing here is legal advice. On that basis, what follows is how I handle your information in practice: what is collected, why, who it is shared with, how long it is kept, and how you can see it, correct it or withdraw your consent. The applicable frameworks are Canada's federal Personal Information Protection and Electronic Documents Act (PIPEDA) and British Columbia's Personal Information Protection Act (PIPA). Commercial email is also governed by Canada's Anti-Spam Legislation (CASL).
Last updated 2026-08-12
What is collected
On the website form, two fields are required: your name and your email address. Optional fields are your phone number, your city, your timing (when you need the money), and which service you are asking about. The form submits without the optional fields.
There is also whatever you write in the message box. Please do not put a Social Insurance Number, a full bank account number or a credit card number into a web form. When those are actually needed, I will tell you a safer way to send them.
If you go ahead with a mortgage application, considerably more is needed: income and employment verification, tax documents, assets and debts, the source of your down payment, identification, and details of the property. At that stage I tell you why each document is required, rather than asking for a pile up front.
The website itself may record basic technical visit data, such as page view counts. The exact scope of that, and which third-party tools are in use, is one of the items the compliance officer needs to confirm.
Why it is collected and how it is used
There are only a few uses: to reply to you, to answer what you asked, to work out a rough number for you, and — if you decide to proceed — to arrange your mortgage or handle your real estate transaction.
It is not used for anything unrelated to that. If you ask one question and never come back, the information does not get repurposed.
Your file is not submitted to any lender unless you ask for it. Before anything is submitted, you know which lender and what is going.
Email requires your consent, and you can withdraw it
Under CASL, sending you commercial email requires your consent. Submitting the form and asking me to contact you is how that consent is given.
You can withdraw it at any time, and you do not have to give a reason. Every email has an unsubscribe link at the bottom. You can also just call or use the form and tell me, and I will handle it at this end. Once withdrawn, commercial email stops.
Withdrawing consent does not affect work already under way. If an application is in progress, the necessary contact about it continues; what stops is promotional email.
A mortgage application means sharing information
A mortgage application cannot stay only with me. To get a decision, your information has to go, with your consent, to the parties involved. That usually means the lender; a mortgage default insurer where one is involved, such as when your down payment is under twenty percent; an appraiser; and the lawyer or notary handling completion.
Each of those is with your consent, and only what is needed for that purpose is sent. Before anything goes out, you know which company is receiving it.
My brokerage may also see file documents for compliance and record-keeping reasons. That is a normal requirement in a licensed industry.
Credit is not pulled without your explicit consent
The first conversation involves no credit check. Calling to ask how something works, or having me sketch a range for you, does not touch your credit report.
A credit inquiry happens only after you have explicitly consented to it, and I tell you first why it is needed at that point and roughly what effect it has.
If you are only looking into things at this stage, say so. We can get the direction clear without pulling anything.
How long it is kept
Enquiries that go no further are kept only as long as they are needed, and then deleted.
Completed mortgage and real estate files fall into a category with mandatory record-keeping requirements. Those have to be retained for a number of years and cannot simply be deleted on request. The exact period follows the applicable industry rules and my brokerage's own policy — the precise wording of this section is one of the items the compliance officer needs to confirm.
While records are retained, they are stored as the brokerage requires, and only people who need them for the work can get at them.
Your information is not sold
Your information is not sold, rented or traded to third parties. It does not go onto marketing lists and it is not passed to companies that have nothing to do with your file.
The sharing described above is different in kind: it is what is required to get your transaction done, and it happens with your consent.
If I refer you to a colleague or another professional, I ask you first, and your details go over only after you agree.
Access, correction, and who to contact
You have the right to see the personal information I hold about you and to ask for corrections where it is wrong. To do that, call (604) 727-1629 or use the form on the site. I may need to verify your identity first.
Access requests are answered within a reasonable time. If some part cannot be provided — because it contains another person's information, for example, or because other rules restrict it — I will tell you why.
If you think your information has been handled improperly, come to me first. You can also contact the person responsible for privacy at my brokerage. Beyond that, the Office of the Privacy Commissioner of Canada and the Office of the Information and Privacy Commissioner for British Columbia both accept complaints.
This page will be updated once the compliance review is complete. The date shown at the top of the page is the last update.