Last updated: June 2026
Home Credits (“Home Credits”, “we”, “us” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect, how we use it, when we share it, and the choices you have. It applies to our website and to the products and services we provide as a private mortgage lender.
1. Information we collect
We collect personal information that you provide to us and information that is generated when you use our website. Depending on how you interact with us, this may include:
- Contact details — such as your name, email address, phone number and mailing address.
- Application and financial information — such as property details, estimated property value, mortgage amounts, employment status, income information and credit details that you provide when you apply or request a quote.
- Broker and partner details — if you submit a deal on behalf of a client, the information you provide about yourself, your brokerage and the borrower.
- Technical information — such as your IP address, browser type, device information and pages visited, collected automatically through cookies and similar technologies.
2. How we use your information
We use your personal information to:
- Respond to your inquiries and provide the information or quotes you request;
- Assess, process and administer mortgage applications and investments;
- Verify your identity and meet legal, regulatory and underwriting requirements;
- Communicate with you about your file, our services and, where you have consented, news and updates;
- Operate, maintain, secure and improve our website and services.
3. Consent
By providing your personal information to us, you consent to its collection, use and disclosure as described in this Privacy Policy. You may withdraw your consent at any time, subject to legal and contractual restrictions and reasonable notice, by contacting us using the details below. Withdrawing consent may limit our ability to provide certain services.
4. When we share information
We do not sell your personal information. We may share it only as needed to provide our services and meet our obligations, including with:
- Service providers who help us operate our business, such as appraisers, real estate lawyers, credit reporting agencies and technology providers, under appropriate confidentiality obligations;
- Mortgage brokers or investors directly involved in your transaction;
- Regulators, law enforcement or other parties where required or permitted by law.
5. Cookies and analytics
Our website uses cookies and similar technologies to remember your preferences, keep the site secure and understand how it is used. You can control cookies through your browser settings; disabling them may affect some features of the site.
6. How we protect your information
We maintain administrative, technical and physical safeguards designed to protect your personal information against loss, theft and unauthorized access, use or disclosure. No method of transmission or storage is completely secure, but we work to protect your information using reasonable measures appropriate to its sensitivity.
7. Retention
We retain personal information only as long as necessary to fulfil the purposes described in this policy and to meet legal, regulatory and accounting requirements. When information is no longer needed, we take steps to securely destroy, delete or anonymize it.
8. Your rights
Subject to applicable law, you may request access to the personal information we hold about you, ask us to correct inaccuracies, or ask questions about how your information is handled. To make a request, contact us using the details below. We will respond within a reasonable time.
9. Third-party links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites, and we encourage you to review their privacy policies.
10. Changes to this policy
We may update this Privacy Policy from time to time. The “last updated” date above reflects the most recent revision. Material changes will be posted on this page.
11. Contact us
If you have questions about this Privacy Policy or how we handle your personal information, contact us at:
Home Credits
Email: info@homecredits.ca
Phone: 1-888-777-9002
Ontario, Canada