Legal

Privacy Policy

How we collect, use, and protect your personal information.

Smart Solutions Capital ("we", "us", or "our"), operating under Northwood Mortgage Ltd. License #10249, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or use our mortgage services.

1. Information We Collect

We may collect the following types of personal information:

  • Contact information (name, email address, phone number, mailing address)
  • Financial information provided during mortgage applications (income, assets, liabilities, credit history)
  • Property information relevant to your mortgage request
  • Communication records between you and our team
  • Website usage data collected through cookies and analytics tools

2. How We Use Your Information

We use the personal information we collect to:

  • Process mortgage applications and communicate with lenders on your behalf
  • Provide personalized mortgage advice and product recommendations
  • Respond to inquiries submitted through our contact form or by phone/email
  • Send relevant information about mortgage products, rates, and company updates (with your consent)
  • Comply with legal and regulatory requirements under provincial and federal law
  • Improve our website and service offerings

3. Sharing Your Information

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

  • Lenders and financial institutions as necessary to process your mortgage application
  • Mortgage insurers (CMHC, Sagen, Canada Guaranty) when applicable
  • Third-party service providers who assist us in operating our business (e.g., form processing)
  • Regulatory bodies and government agencies as required by law

All third parties are required to maintain the confidentiality and security of your personal information.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of internet transmission or electronic storage is 100% secure.

5. Cookies

Our website may use cookies and similar tracking technologies to enhance your browsing experience and analyze site traffic. You can instruct your browser to refuse cookies, though some portions of our site may not function properly as a result.

6. Your Rights

Subject to applicable law, you may have the right to:

  • Access the personal information we hold about you
  • Request correction of inaccurate or incomplete information
  • Withdraw consent to certain uses of your information
  • Request deletion of your personal information (subject to legal obligations)

To exercise any of these rights, please contact us at info@ssc.finance.

7. Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by applicable law and regulatory requirements (typically 7 years for mortgage-related records).

8. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

9. Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:

Effective Date: January 1, 2024. Smart Solutions Capital operates under Northwood Mortgage Ltd., License #10249, regulated by FSRA (Financial Services Regulatory Authority of Ontario).