Privacy Policy

At sHelto Mortgage, we are committed to protecting your privacy and the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information in compliance with applicable privacy laws and industry standards.

Scope & Application
This Privacy Policy applies to sHelto Mortgage and its affiliates (“we,” “us,” “our”). It governs the collection, use, and disclosure of personal information when you interact with us, whether through our website, mortgage applications, inquiries, or other means.

Personal information refers to any information about an identifiable individual, such as name, address, email, phone number, financial information, and credit history. Business contact information is generally not considered personal information under applicable privacy laws. This Privacy Policy does not apply to our employees, consultants, or other individuals working with us in a professional capacity, as they are subject to separate policies.

Our Commitment to Privacy
We respect your privacy and are dedicated to handling your personal information responsibly.
We only collect, use, and disclose personal information in accordance with applicable laws and best practices in the mortgage industry.

Consent
By providing us with your personal information, you consent to our collection, use, and disclosure of that information as described in this Privacy Policy. Consent may be expressed or implied, depending on the nature of the transaction or service. You may withdraw your consent at any time, subject to legal and contractual restrictions. If you choose to withdraw consent, we may not be able to provide certain services.

Collection of Personal Information
We collect personal information directly from you and, where necessary, from third-party sources such as mortgage brokers, credit bureaus, financial institutions, insurers, real estate professionals, and public records. Information we collect may include:

● Name, address, and contact details
● Date of birth and identification details
● Employment and income information
● Credit history and financial details
● Mortgage and property-related information

We collect only the necessary information to fulfill the identified purposes and comply with legal obligations.

Use of Personal Information

We use your personal information to:

● Process mortgage applications and inquiries
● Assess creditworthiness and risk
● Provide mortgage-related services and products
● Communicate with you about your application and financial needs
● Verify your identity and prevent fraud
● Meet regulatory and legal requirements
● Improve our services and customer experience
● Conduct internal business analytics and reporting

If we require your personal information for other purposes, we will notify you and obtain your consent as necessary.

Disclosure of Personal Information

We do not sell or trade your personal information. However, we may share your information with:

● Lenders, insurers, and financial institutions to process your mortgage application
● Credit bureaus and consumer reporting agencies
● Mortgage brokers and agents affiliated with us
● Service providers (e.g., IT services, payment processors)
● Legal and regulatory bodies as required by law
● Third parties in connection with business transactions, such as mergers or acquisitions

Where required, we ensure that third parties handle your information in a manner consistent with this Privacy Policy.

Storage & Security of Personal Information

Your personal information is securely stored in Canada or in other jurisdictions where our service providers operate. We implement industry-standard security measures to protect against unauthorized access, loss, misuse, or alteration of your information. While we take reasonable steps to safeguard your data, no method of transmission over the internet or storage system is completely secure.

Online Data Collection

When you visit our website or use our online services, we may collect information through cookies and tracking technologies. This may include your IP address, browser type, device information, and browsing behavior. We use this data to improve website functionality, personalize content, and enhance security. You can modify your browser settings to decline cookies, but doing so may impact your experience on our website.

Retention of Personal Information

We retain your personal information only as long as necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. When no longer needed, your information is securely deleted or anonymized.

Your Rights & Access to Information

You have the right to request access to, correction of, or deletion of your personal information, subject to legal and contractual restrictions. To make a request or inquire about our privacy practices, please contact us:

Chief Privacy Officer
Suman Shahi
sHelto Mortgage
shahi@shelto.ca
www.shelto.ca

Changes to this Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in legal requirements or business practices. We encourage you to review this policy periodically. Your continued use of our services constitutes acceptance of any revisions.

By interacting with sHelto Mortgage, you acknowledge that you have read and understood this Privacy Policy and agree to the collection, use, and disclosure of your personal information as described herein.
For further information, please contact our Chief Privacy Officer.