Privacy Policy
Effective Date: October 7, 2026
Last Updated: October 14, 2026
Ontario-Wide Financial (1801347 Ontario Inc.) (“Ontario-Wide Financial,” “we,” “us,” or “our”) is committed to protecting the privacy of visitors to our website and the clients we serve. This Privacy Policy explains what information we collect, how we use it, and the choices you have. It applies to ontario-widefinancial.com and to any service we provide that links to this policy.
We follow the principles of Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) for the handling of personal information. Our Privacy Officer is Tracy Lee Green.
1. Information We Collect
We collect information in two main ways: information you give us directly, and information collected automatically when you use our website.
Information you provide directly:
- Name, email address and phone number when you fill out a contact form, ask a question, or otherwise get in touch with us
- The details you give us in a mortgage application, such as your date of birth, address history, employment and income, existing mortgages, property details and amounts owing, and the same details for any co-applicant
- Your consent to a credit check, and the results of that check
- Communications between you and us (including email, text messages and phone notes)
Information collected automatically when you visit our website:
- Pages viewed, links clicked, time on page, and general engagement patterns
- Device information (browser type, operating system, screen size)
- Approximate geographic location (city/region) inferred from IP address
- Referring website (how you got to ours)
- A unique anonymous identifier stored in cookies, used to recognize repeat visits
- For users signed into a Google account with Ads Personalization enabled, Google may associate your browsing on our site with your Google profile to support cross-device measurement and advertising (see Section 4 below)
2. How We Use Your Information
We use the information we collect to:
- Respond to your inquiries and provide the services you request
- Review your mortgage application, find suitable lenders and arrange your financing
- Improve the website and our service offerings
- Run advertising campaigns on Google, Facebook, and Instagram targeted to people in our service area
- Send reminders, newsletters, and promotional information only to people who have requested or consented to receive them
- Comply with our legal and regulatory obligations, including the rules that apply to licensed mortgage brokerages in Ontario
We do not sell your personal information to third parties.
3. Cookies and Similar Technologies
Our website uses cookies and similar technologies (including pixels and small JavaScript trackers). These are small data files placed on your device that allow us and our service providers to recognize you, analyze how you use the site, and measure the performance of our advertising. We use:
- Strictly necessary cookies: required for the website to function (e.g. WordPress session, security)
- Analytics cookies: Google Analytics 4, used to understand visitor behaviour in aggregate
- Advertising cookies: Google Ads conversion and audience cookies; Meta (Facebook) Pixel, used to measure ad performance and to show our ads to users who have visited our site
You can control cookies through your browser settings. Blocking cookies may affect site functionality. You can also opt out of personalized advertising for specific platforms:
- Google: adssettings.google.com and tools.google.com/dlpage/gaoptout
- Meta (Facebook/Instagram): in your Facebook account settings under “Ads Preferences”
4. Third-Party Services We Use
We use trusted third-party services to operate our website and business. Each is bound by its own privacy policy and uses your data only for the purpose it was shared:
| Service | Purpose | Privacy Policy |
|---|---|---|
| Google Analytics 4 (with Google Signals enabled) | Website analytics, audience insights, demographic reporting, cross-device measurement | policies.google.com/privacy |
| Google Ads | Pay-per-click advertising, conversion tracking, remarketing | policies.google.com/privacy |
| Meta Pixel and Conversions API (Facebook & Instagram) | Facebook and Instagram advertising | facebook.com/privacy/policy |
| YouTube | Videos embedded on our pages | policies.google.com/privacy |
| Google reCAPTCHA | Protects our website forms from spam | policies.google.com/privacy |
| Postmark | Delivers the emails our website forms send to us | postmarkapp.com/privacy-policy |
| WP Engine | Website hosting, security, and performance monitoring | wpengine.com/legal/privacy |
| Gem Webb Inc. | Our digital marketing partner who manages this website and our ad campaigns | gemwebb.com |
If you are signed into a Google account with Ads Personalization enabled at the time you visit our site, Google may associate your behaviour on our site with your Google account profile to provide cross-device measurement and remarketing. You can opt out at any time at myaccount.google.com → Data and Privacy → My ad center.
When you submit a form on our website, we may share contact details, such as your email address or phone number, with Google and Meta in a scrambled (hashed) form. They match it against their own accounts to tell us whether one of our ads led to your enquiry.
5. Sharing Your Information
We disclose personal information only in the following circumstances:
- With service providers listed above, who help us operate our website, run our advertising, or deliver our services
- With lenders, and others involved in arranging your mortgage (such as appraisers, insurers and lawyers), when you ask us to arrange financing
- With credit reporting agencies, when you have agreed to a credit check. Your credit bureau information is shared only with lenders approved by the credit bureaus.
- When required by law, including to comply with valid legal requests, court orders, or requests from our regulator, the Financial Services Regulatory Authority of Ontario (FSRA)
- To protect rights, property, or safety of Ontario-Wide Financial, our clients, or the public
- In connection with a business transfer (sale, merger, or restructuring), in which case the receiving party will be bound by this policy
6. Data Retention
We keep personal information only as long as we need it for the purposes it was collected, plus the time required for legal, regulatory, audit and tax reasons.
As a licensed mortgage brokerage, we are required to keep records related to your mortgage for at least six years after the mortgage term ends. This includes applications that did not go ahead. Canadian tax law (CRA) also requires us to keep certain business records for a minimum of 6 years.
If you ask us to delete your information, we will do so where we are legally permitted to. Some records have to be kept for the periods above even after you ask. We will tell you which records are being retained and why if you ask.
Other categories of data we collect have shorter retention windows:
- Marketing contact information (newsletter list, ad audiences): retained until you unsubscribe or request deletion
- Website analytics data: retained for up to 14 months in Google Analytics, then aggregated
- Advertising audience data: typical maximum of 540 days, set per audience by Google’s platform
You always retain the right under Section 7 to request access, correction, or deletion of your personal information, subject to the legal retention obligations described above.
7. Your Rights Under PIPEDA
Subject to certain exceptions, you have the right to:
- Access the personal information we hold about you
- Correct information that is inaccurate or incomplete
- Withdraw consent to our use of your information at any time, where consent is the basis for processing
- Request deletion of your personal information, subject to our legal and regulatory retention obligations
- Receive a copy of your information in a portable format
- File a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca if you believe we have not handled your information appropriately
To exercise any of these rights, contact us using the information in Section 11.
8. Security
We use reasonable physical, technical, and administrative safeguards to protect personal information against loss, theft, unauthorized access, disclosure, or alteration. However, no method of transmission over the internet or method of electronic storage is 100% secure, and we cannot guarantee absolute security.
9. Children’s Privacy
Our website is not directed to children under the age of 13, and we do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us so we can delete it.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. The “Last Updated” date at the top of this page indicates when it was most recently revised. We encourage you to review the policy periodically.
11. Contact Us
For questions about this Privacy Policy, or to exercise any of the rights described above:
Ontario-Wide Financial
Attn: Tracy Lee Green, Privacy Officer
120 Mary St
Orillia, ON L3V 3E2
Email: tracy@owfinancial.com
Phone: (416) 925-3974
We will respond to privacy requests within 30 days, as required under PIPEDA.