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Privacy Policy

Privacy Policy

GetReverseMortgage.ca
A Division of BNQ Financial Corp.
Suite 105, 1670 North Service Rd E, Oakville, ON L6H 7G3
Phone: +1 833-800-1444
Email: compliance@bnqfinancial.com
Website: www.getreversemortgage.ca

Effective Date: June 24, 2026
Last Updated: June 24, 2026

  1. Introduction

GetReverseMortgage.ca is a reverse mortgage specialist division of BNQ Financial Corp. ("BNQ Financial Corp.," "we," "our," or "us"), a licensed Canadian mortgage firm operating under FSRA Licence Number 13618. We are committed to protecting the privacy and confidentiality of personal information collected from clients, website visitors, and any other individuals who interact with our website at www.getreversemortgage.ca or engage with our reverse mortgage advisory and brokerage services (collectively, the "Services").

This Privacy Policy explains how we collect, use, disclose, store, and protect personal information. By visiting our website, submitting an inquiry, or engaging our Services, you acknowledge that you have read and understood this Privacy Policy and consent to the practices described herein.

  1. Applicable Laws

We operate in compliance with applicable Canadian privacy legislation and financial services regulations, including:

The Personal Information Protection and Electronic Documents Act (PIPEDA), or applicable provincial privacy legislation deemed substantially similar to PIPEDA. The Mortgage Brokerages, Lenders and Administrators Act, 2006 (Ontario). The Financial Services Regulatory Authority of Ontario (FSRA) guidelines and licensing requirements. Anti-money laundering and anti-terrorist financing obligations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and FINTRAC requirements. Canada's Anti-Spam Legislation (CASL) governing electronic communications. Any other applicable federal or provincial legislation governing financial services and personal data in the jurisdictions in which we operate.

  1. Information We Collect

We may collect the following categories of personal information:

a) Personal Identification Information: Full legal name, date of birth, age, social insurance number (SIN), government-issued identification details, marital status, contact information including home address, phone number, and email address.

b) Financial and Income Information: Retirement income sources (including CPP, OAS, and GIS benefit status), existing mortgage balances, outstanding debts, credit information, banking details, investment accounts, and overall financial position.

c) Property Information: Property address, estimated or appraised market value, property type (single-family, condo, townhome, rural, etc.), ownership status, title details, existing liens or encumbrances, and property insurance and tax payment status.

d) Application and Transaction Data: Reverse mortgage inquiries, applications, lender submissions, appraisal reports, loan agreements, correspondence, and documentation submitted in connection with our Services.

e) Health and Care Information: Where relevant and voluntarily disclosed, information about in-home care needs, healthcare costs, or retirement planning considerations that inform the nature of financial advice sought. This information is treated with the highest degree of sensitivity.

f) Website and Technical Data: IP address, browser type and version, device information, pages visited, time spent on pages, referral URLs, and data collected through cookies or similar tracking technologies.

g) Communications Data: Records of telephone calls, emails, SMS messages, webinar registrations, contact form submissions, and other communications with GetReverseMortgage.ca. Communications may be recorded for quality assurance, compliance, and training purposes.

  1. How We Collect Information

We collect personal information through the following means:

Directly from you when you submit a contact form, inquiry form, or reverse mortgage application through our website or any linked platform, including third-party form tools. When you call or communicate with one of our licensed mortgage specialists. When you register for or attend a webinar, newsletter, or educational event. From third parties with your authorization, including credit bureaus, lenders, appraisers, lawyers, notaries, and other professionals involved in your transaction. Automatically through our website using cookies, web beacons, analytics tools, and embedded third-party forms and widgets. From publicly available sources such as land registries and property databases.

  1. How We Use Your Information

We use personal information for the following purposes:

To assess your eligibility for a Canadian reverse mortgage and provide a personalized estimate. To compare reverse mortgage products across multiple lenders on your behalf and present suitable options. To submit your application to lenders, coordinate appraisals, manage legal requirements, and facilitate funding. To communicate with you regarding your inquiry, application, or any matter relating to our Services, including scheduling and follow-up. To provide retirement income and financial planning guidance and educational resources. To fulfill legal, regulatory, and compliance obligations under FSRA, FINTRAC, and other applicable regulatory bodies. To verify your identity and conduct know-your-client (KYC) and anti-money laundering procedures. To send you marketing communications, newsletters, webinar invitations, rate updates, and educational content, subject to your consent and applicable anti-spam laws. To improve our website, Services, and client experience through analytics and feedback. To maintain accurate records and fulfill audit, reporting, and regulatory requirements. For any other purpose for which you have provided express consent.

  1. Consent

We obtain your consent before or at the time we collect personal information. The form of consent may be express (written or verbal) or implied, depending on the sensitivity of the information and the context in which it is collected.

By submitting any form on our website, including contact forms, inquiry forms, or newsletter sign-up forms, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. You also consent to receiving electronic communications from us, including SMS notifications, alerts, and marketing messages, where you have indicated such consent.

You may withdraw consent at any time, subject to legal or contractual restrictions, by contacting us as set out in Section 13. Withdrawal of consent may affect our ability to provide you with certain Services.

To opt out of SMS or email marketing communications, follow the unsubscribe instructions in any message or contact us directly.

  1. Disclosure of Personal Information

GetReverseMortgage.ca does not sell personal information. We may disclose personal information to the following parties, only as necessary and with appropriate safeguards:

Canadian reverse mortgage lenders, including but not limited to HomeEquity Bank, EQ Bank, Bloom Finance, and Fraction, for the purpose of assessing and funding reverse mortgage applications. BNQ Financial Corp. and its affiliated entities that support the delivery of our Services. Appraisers, property inspectors, and valuation professionals engaged in connection with your application. Lawyers, notaries, and independent legal counsel involved in your transaction, including legal professionals retained for the purposes of independent legal advice as required by lenders. Third-party service providers assisting with IT infrastructure, data hosting, CRM platforms, form tools, marketing, analytics, and compliance, provided they are subject to appropriate confidentiality and data protection obligations. Regulatory and government authorities, including FSRA, FINTRAC, Canada Revenue Agency, and law enforcement, when required by law or to protect our legal rights. Successor entities in the event of a merger, acquisition, or sale of all or part of our business assets.

  1. Credit and Identity Verification

By engaging our Services, you authorize GetReverseMortgage.ca and BNQ Financial Corp. to obtain credit bureau reports where required, verify property ownership and title, and conduct any identity verification or due diligence necessary to process your application and comply with applicable regulatory requirements.

  1. Retention of Personal Information

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected or as required by law. Mortgage and lending records are typically retained for a minimum of seven (7) years following the conclusion of a transaction, consistent with regulatory requirements. When personal information is no longer required, it is securely destroyed or anonymized.

  1. Data Security

We employ reasonable administrative, physical, and technical safeguards to protect personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include encrypted data transmission, secure storage systems, access controls, and staff training on privacy obligations. While we take appropriate precautions, no method of electronic storage or transmission is entirely secure, and we cannot guarantee absolute security.

  1. Cookies and Website Tracking

Our website uses cookies and similar tracking technologies to enhance user experience, monitor website traffic, and support marketing activities. You may configure your browser to refuse cookies, but doing so may affect certain features of our website. By continuing to use our website, you consent to our use of cookies in accordance with this Privacy Policy. Our website may also embed third-party tools and forms, including but not limited to lead management platforms, which may collect data in accordance with their own privacy policies.

  1. Third-Party Forms and Platforms

Our website uses third-party form and communication platforms to facilitate inquiries and client engagement. When you submit information through an embedded form, your data may be processed by the third-party platform operator in addition to GetReverseMortgage.ca. We recommend reviewing the privacy policies of any third-party platforms you interact with through our website.

  1. Your Rights

Subject to applicable law, you have the following rights with respect to your personal information:

The right to access the personal information we hold about you. The right to request correction of inaccurate or incomplete information. The right to withdraw consent to the collection, use, or disclosure of your information, subject to legal exceptions. The right to request deletion of your personal information where we are not legally required to retain it. The right to be informed of the existence, use, and disclosure of your personal information. The right to file a complaint with the Office of the Privacy Commissioner of Canada at www.priv.gc.ca or the applicable provincial privacy commissioner.

  1. Contact Our Privacy Officer

If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us at:

Privacy Officer
GetReverseMortgage.ca, a Division of BNQ Financial Corp.
Suite 105, 1670 North Service Rd E
Oakville, ON L6H 7G3
Phone: +1 833-800-1444
Email: compliance@bnqfinancial.com
Website: www.getreversemortgage.ca

We will respond to privacy inquiries within thirty (30) days of receipt.

  1. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. The updated policy will be posted on our website with a revised effective date. Your continued use of our Services following any update constitutes acceptance of the revised policy.