This Privacy Policy explains how Team Mortgage Professor, operated by Tim Matlo, collects, uses, and protects your personal information. By using our website or services, you agree to the practices described in this policy.
Who we are
Team Mortgage Professor is a mortgage brokerage operating under Tim Matlo, Senior Mortgage Broker, licensed in Alberta, British Columbia, and Ontario. Our contact information is:
- Email: tim@themortgageprofessor.ca
- Phone: +1 403 809 6262
- Location: Calgary, Alberta, Canada
What information we collect
We collect personal information that you provide directly to us, including:
- Your name, email address, and phone number when you submit a form or book a consultation
- Financial information you share with us in the course of a mortgage application, including income, debt, credit history, and employment details
- Information about the property you are purchasing or refinancing
- Communications you send to us by email, phone, or through our website
We also collect certain information automatically when you visit our website, including your IP address, browser type, pages visited, and time spent on the site. This information is collected through standard web analytics tools and cookies.
How we use your information
We use the information we collect to:
- Assess your mortgage needs and provide advice and recommendations
- Submit mortgage applications to lenders on your behalf
- Communicate with you about your file, your options, and updates
- Send you information about mortgage products, rates, and services you have requested or may find useful
- Comply with legal and regulatory obligations applicable to mortgage brokers in Canada
- Improve our website and services
How we share your information
We do not sell your personal information. We may share your information with:
- Lenders and financial institutions as part of a mortgage application you have authorized us to submit
- Credit bureaus, as required for mortgage qualification purposes
- Our brokerage network and compliance partners, as required by our licensing obligations
- Service providers who assist us in operating our website and business, under strict confidentiality agreements — see the section below for details
- Legal or regulatory authorities, where required by law
Service providers and data storage outside Canada
We use GoHighLevel (HighLevel Inc.) as our customer relationship management and marketing automation platform. GoHighLevel is a United States-based company headquartered in Dallas, Texas. Personal information you submit through our website forms — including your name, email address, and phone number — is stored and processed on GoHighLevel's servers located in the United States.
As a result, your personal information may be subject to the laws of the United States, including laws that may permit U.S. government authorities to access personal information in certain circumstances. By submitting your information through our website, you consent to this transfer and processing.
Alberta's Personal Information Protection Act (PIPA) requires us to inform you when your personal information may be transferred to or stored in jurisdictions outside Canada. GoHighLevel's privacy practices are governed by their own privacy policy, available at gohighlevel.com/privacy-policy.
We do not use any other third-party service providers that store or process personal information outside Canada at this time. If this changes, we will update this policy accordingly.
Marketing communications
If you consent to receiving marketing communications from us, we may send you emails or SMS messages about mortgage products, rates, market updates, and educational content. You can withdraw your consent at any time by replying STOP to any message or clicking unsubscribe in any email.
We comply with Canada's Anti-Spam Legislation (CASL). We will never send you commercial electronic messages without your express or implied consent.
Data retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, and as required by applicable law and our licensing obligations. Mortgage files are typically retained for a minimum of seven years following the completion of a transaction.
Your rights
Under Canadian privacy law (PIPEDA and applicable provincial legislation, including Alberta's PIPA), you have the right to:
- Access the personal information we hold about you
- Request corrections to inaccurate or incomplete information
- Withdraw consent to the use of your information, subject to legal and contractual restrictions
- Make a complaint to the Office of the Privacy Commissioner of Canada or the Office of the Information and Privacy Commissioner of Alberta if you believe your rights have been violated
To exercise any of these rights, please contact us at tim@themortgageprofessor.ca.
Cookies
Our website uses cookies to improve your experience and to help us understand how visitors use our site. You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain parts of our website.
Third party links
Our website may contain links to third party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.
Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will update the date at the top of this page. We encourage you to review this policy periodically.
Contact us
If you have any questions or concerns about this Privacy Policy or our handling of your personal information, please contact us:
- Email: tim@themortgageprofessor.ca
- Phone: +1 403 809 6262