Privacy Policy

Effective Date: August 15 th , 2025

Scope

This Privacy Policy applies to Fairview Mortgages Corp (FM) and its affiliates (“we”, “us”, “our”) and describes how we collect, use, disclose, and protect personal information in compliance with applicable federal and provincial laws, including:

 PIPEDA (Personal Information Protection and Electronic Documents Act)

 CASL (Canadian Anti-Spam Legislation)

 Applicable New Brunswick privacy laws and consumer protection regulations.

“Personal information” means information about an identifiable individual, as defined by applicable law, and includes (but is not limited to) name, contact details, financial and credit information. This policy does not apply to business contact information or to information about employees that is subject to separate internal policies.

Our Commitment

We are committed to handling personal information responsibly, transparently, and in accordance with Canadian and provincial privacy principles. This includes accountability, identifying purposes, consent, limiting collection, limiting use, disclosure, and retention, accuracy, safeguards, openness, individual access, an challenging compliance.

Consent

We collect, use, and disclose your personal information only:

 With your express or implied consent, or

 As otherwise required or permitted by law.

You can withdraw your consent at any time, subject to legal and contractual restrictions, by contacting our Privacy Officer (see Section 14). Withdrawal may affect our ability to provide products or services.

Collection of Personal Information

We collect personal information directly from you when you interact with us (e.g., through our websites, in-person meetings, or mortgage inquiries), and may also collect from:

 Mortgage brokers and agents in our network

 Credit bureaus and reporting agencies

 Financial institutions and real estate appraisers

Types of information collected may include:

 Name, address, phone number, and email address

 Financial and credit history

 Mortgage application details

 Identification documents (as required by law, e.g., anti-money laundering requirements)

We limit collection to what is necessary for identified purposes.

Purposes for Collection, Use, and Disclosure

We collect, use, and disclose your personal information to:

  • Provide products and services to you

  • Process mortgage pre-qualifications and inquiries

  • Facilitate your dealings with brokers, agents, lenders, and insurers

  • Verify your identity and obtain credit information (when applicable)

Process payments

  • Improve our services and website functionality

  • Comply with legal and regulatory requirements, including anti-moneylaundering and mortgage industry rules

  • Protect against fraud, unauthorized transactions, and illegal activity

  • Communicate with you about our products, services, and events (subject toCASL requirements)

We will obtain additional consent if we intend to use your personal information for a new purpose, unless otherwise permitted by law.

Disclosure of Personal Information

We do not sell your personal information. We may share it with:

 Lenders, insurers, and credit reporting agencies to process applications

 Brokers, agents, and affiliates within our network

 Service providers (e.g., IT hosting, payment processing, analytics) under contractual obligations to protect privacy

 Legal or regulatory authorities when required by law

 Parties involved in a business transaction (e.g., merger, sale of assets)

If personal information is transferred outside Canada (including the U.S.), it will be subject to the laws of that jurisdiction. We take reasonable contractual and security measures to protect it.

Cross-Border Processing

Your personal information may be stored or processed in Canada, the United States, or other jurisdictions. While we require equivalent protection through contracts with service providers, foreign laws may permit access by government authorities without notice to you.

Retention of Personal Information

We retain personal information only as long as necessary to fulfill the purposes identified or as required by law (e.g., mortgage industry record-keeping rules). Once no longer required, information will be securely destroyed, erased, or anonymized.

Security Safeguards

We use physical, organizational, and technological measures to protect personal information against loss, theft, and unauthorized access. These include:

 Encryption and secure servers

 Restricted employee access

 Confidentiality agreements with contractors and service providers

Accuracy

We take reasonable steps to ensure that personal information is accurate, complete, and up-to-date. You are encouraged to notify us of any changes.

Access and Correction Rights

You have the right to request:

 Access to your personal information under our control

 Correction of inaccurate or incomplete information

 Information about how we have used or disclosed your personal information

Requests can be made in writing to the Privacy Officer. We will respond within the timelines required by law.

Cookies and Website Tracking

We use cookies, web beacons, and analytics tools to improve your online experience, understand usage patterns, and customize content. You can manage cookie preferences through your browser settings, but this may limit some website functionality.

CASL Compliance

We comply with the Canadian Anti-Spam Legislation. With your consent, we may send you electronic communications about our services, products, and events. You can unsubscribe at any time via the link in our emails or by contacting us.

14. Questions, Complaints, and Contact Information

Privacy Officer

Customers questions

Fairview Mortgages Corp

735 Main Steet, suite 203

Moncton NB, E1C 1E5

If your concern is not resolved, you may contact the Office of the Privacy Commissioner of Canada or, if you are in New Brunswick, the Office of the Access to Information and Privacy Commissioner.