Privacy Policy
Introduction
At AP Dhillon Mortgages, we are committed to protecting the privacy and personal information of our clients, partners, and website visitors. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you interact with our services, including via our website, email, phone, and online tools.
Information We Collect
We may collect the following types of information:
- Personal Information: Name, email address, phone number, business information, financial documents, and other details submitted by you.
- Business Information: Company name, industry, revenues, number of employees, credit history, and funding needs.
- Website Usage Data: IP address, browser type, access time, referring website, pages visited, and other analytical data via cookies and similar technologies.
How We Use Your Information
We use the collected information to:
- Provide and manage mortgage, funding, and financial advisory services.
- Process mortgage, loan, or financing applications.
- Communicate with you about your inquiry or ongoing support.
- Customize user experience and improve our website and services.
- Send newsletters, updates, and promotional materials, only if you opt in.
- Meet legal and regulatory obligations.
Sharing of Information
We do not sell your personal information. We may share your information with:
- Lending partners and financial institutions for the purpose of evaluating and processing your mortgage or funding request.
- Service providers who help us deliver our services, such as CRM, marketing, IT support, and administrative service providers.
- Government or regulatory authorities, if required by law.
All third-party partners are expected to maintain appropriate confidentiality and security safeguards.
Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your information against loss, theft, unauthorized access, or disclosure. However, no method of transmission or storage is 100% secure.
Your Choices and Rights
You may:
- Access or update your personal information.
- Withdraw consent for marketing communications.
- Request deletion of your data, subject to applicable legal obligations.
- Opt out of cookie-based tracking by adjusting your browser settings.
To exercise any of these rights, please contact us at info@apdhillonmtg,ca
Retention of Data
We retain your personal data only as long as necessary to fulfil the purposes outlined in this policy, unless a longer retention period is required or permitted by law.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of such sites.
Updates to This Policy
We may update this Privacy Policy from time to time. When we do, the updated version will be posted on our website with the effective date.
Contact Us
If you have any questions or concerns about this Privacy Policy or your data, contact us at:
AP Dhillon Mortgages
Email: info@apdhillonmtg,ca
Website: www.apdhillonmtg.ca
Cookie Policy
Introduction
Cookies are small text files placed on your device to collect standard internet log information and visitor behavior information. When you visit our website, we may automatically collect information from you through cookies or similar technologies.
How We Use Cookies
AP Dhillon Mortgages uses cookies to:
- Understand how you use our website.
- Improve functionality and user experience.
- Track performance of marketing campaigns.
- Remember your preferences.
Types of Cookies We Use
- Essential Cookies – Necessary for website functionality.
- Analytics Cookies – Help track usage and performance, such as Google Analytics.
- Advertising Cookies – Used for targeted advertising and remarketing campaigns.
Managing Cookies
You can control and manage cookies through your browser settings. Disabling cookies may limit some functionality on our site.
Terms of Service
Acceptance of Terms
By accessing and using our website or services, you agree to comply with these Terms of Service. If you do not agree, please do not use our services.
Services Provided
AP Dhillon Mortgages offers mortgage consultation, application support, financing guidance, and referral services through a network of financial partners, mortgage professionals, and lenders.
No Guarantees
Approval for mortgage or financing products, loan amounts, interest rates, and other terms are subject to lender evaluation and applicable qualification criteria. We do not guarantee approval, funding amounts, rates, or terms.
Limitation of Liability
We are not liable for any indirect, incidental, or consequential damages arising from the use of our website or services. All information is provided on an “as is” basis.
Intellectual Property
All content, logos, graphics, text, and trademarks displayed on our website are the property of AP Dhillon Mortgages or its respective partners and may not be used without permission.
Changes to Terms
We reserve the right to update these Terms of Service at any time. Continued use of our services indicates acceptance of the updated terms.
Disclaimer
AP Dhillon Mortgages is an independent mortgage and financing service provider. Mortgage approvals, financing amounts, interest rates, and terms are determined by lenders and financial institutions based on their own underwriting criteria, policies, and applicable regulations.
We do not provide legal, tax, or accounting advice. Please consult appropriate qualified professionals for those services.
Mortgage and financing terms, interest rates, qualification requirements, and approvals vary based on factors including the applicant's financial profile, creditworthiness, income, property information, documentation, and lender policies.
While we strive to help clients identify suitable mortgage and financing options, AP Dhillon Mortgages cannot guarantee approval, funding, rates, terms, or any specific outcome.
Information provided through our website is for general informational purposes and should not be considered a guarantee, offer, or commitment to provide financing.
AP Dhillon Mortgages recommends that applicants review all financing terms carefully and obtain independent professional advice where appropriate.