Privacy Policy

Michael Noble Green, Mortgage Agent Level 1 (Licence #M21002443), operating under 8Twelve Mortgage Corp. (Brokerage Licence #13390), 55 Renfrew Drive Suite 201, Markham, Ontario, L3R 8H3, is committed to protecting your privacy and safeguarding the personal information you provide to us.

This Privacy Policy outlines how we collect, use, disclose, retain, and protect your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), applicable Ontario privacy legislation, and our regulatory obligations under the Financial Services Regulatory Authority of Ontario (FSRA) and the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA).

By using this website, submitting inquiry forms, or engaging our mortgage brokerage services, you acknowledge that you have read and understood this Privacy Policy.

We may share your personal information with the following parties, strictly as necessary to process your mortgage application or comply with legal obligations:

• Mortgage lenders, banks, and financial institutions for application processing
• Mortgage default insurers (e.g., CMHC, Sagen, Canada Guaranty)
• Credit reporting agencies (e.g., Equifax, TransUnion) with your consent
• Real estate appraisers and property valuators
• Legal counsel, notaries, and real estate lawyers
• 8Twelve Mortgage Corp. and its authorized personnel
• Regulatory bodies including FSRA, as required by the MBLAA
• Government agencies where required by law

We collect and use your personal information only with your knowledge and consent, which may be expressed (written or verbal) or implied based on the circumstances and the nature of the information. By submitting an inquiry form, mortgage application, or engaging our services, you consent to the collection, use, and disclosure of your personal information as described in this policy.

You may withdraw your consent at any time by contacting us, subject to legal or contractual restrictions. Please note that withdrawing consent may limit our ability to provide mortgage brokerage services to you.

Credit Bureau Consent: We will obtain your express written consent before accessing your credit report from any credit reporting agency. This consent is required by PIPEDA and is standard practice in the mortgage application process.

We retain your personal information only for as long as necessary to fulfil the purposes for which it was collected, or as required by law. Under FSRA regulations and the MBLAA, we are required to maintain certain client records for a minimum period after the completion or termination of the mortgage transaction.

Specifically, mortgage brokerage records must be retained for a minimum of six (6) years from the date of the last transaction, as required under Section 43 of Ontario Regulation 188/08 under the MBLAA. After the retention period expires, personal information is securely destroyed or anonymized.

We employ reasonable and appropriate administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, loss, or destruction. Our security measures include:

• Secure, encrypted electronic storage systems with access controls
• Password-protected devices and systems with multi-factor authentication
• Encrypted email communications for sensitive documents
• Physical security measures for paper records (locked cabinets, restricted access)
• Regular security audits and updates to our systems
• Limited access to personal information on a need-to-know basis only

While we take all reasonable precautions, no method of electronic storage or internet transmission is 100% secure. We cannot guarantee absolute security but are committed to maintaining industry-standard protections.

Under PIPEDA, you have the following rights regarding your personal information:

To exercise any of these rights, please contact us at Michael.noblegreen@8twelve.mortgage or call 416-735-2252. We will respond to your request within 30 days as required by PIPEDA.

Our website may use cookies, web beacons, and similar analytics technologies to improve user experience and understand how visitors interact with our site. Cookies are small data files placed on your device that help us remember preferences, analyze traffic patterns, and optimize website performance.

Types of cookies we use:

• Essential cookies: Required for basic website functionality (e.g., navigation, form submissions)
• Analytics cookies: Help us understand how visitors use our site (e.g., Vercel Analytics)
• Performance cookies: Monitor and improve website loading speed and reliability

You can control cookie preferences through your browser settings. Disabling cookies may affect certain website functionality. We do not use cookies to collect personally identifiable information without your consent.

Michael Noble Green is regulated by the Financial Services Regulatory Authority of Ontario (FSRA) under the Mortgage Brokerages, Lenders and Administrators Act, 2006 (MBLAA). All mortgage brokerage services are conducted in compliance with applicable provincial regulations and licensing requirements.

If you have a privacy complaint that cannot be resolved directly with us, you may contact: