Privacy Policy

1. Who We Are

Garrison Capital is a mortgage brokerage operating in Ontario, Canada. Brokerage License #13362.

2. Personal Information We Collect

We collect information necessary to assess and arrange mortgage financing, such as:

• Identification and contact details (name, address, email, phone)
• Financial information (income, assets, liabilities, credit information)
• Property details and transaction information
• Communications and preferences (including consent records)
• Technical data (IP, device/browser type, usage analytics and cookies)

3. How We Use Personal Information

• To review your application, assess eligibility, and arrange mortgage solutions
• To communicate with you about your application and related services
• To verify identity and prevent fraud
• To meet legal, regulatory, and reporting obligations (including FSRA compliance)
• To improve our website, products, and customer experience
• With your consent, to send updates or marketing per Canada’s Anti‑Spam Legislation (CASL)

4. Sharing and Disclosure

We may share your information with lenders, insurers, credit reporting agencies, and service providers who assist in delivering our services. We require these parties to safeguard your information and use it only for the intended purposes. We may also share information if required by law, regulation, court order, or to protect our legal rights.

5. International Transfers

Some service providers or data processors may be located outside Ontario or Canada. When personal information is processed in other jurisdictions, it may be subject to local laws. We take reasonable steps to ensure comparable protections when using third‑party providers.

6. Retention

We retain personal information as required to fulfill the purposes above and to meet legal and regulatory obligations. We apply secure disposal or anonymization when data is no longer needed.

7. Your Rights

Subject to applicable law, you may request access to, or correction of, your personal information. You may withdraw consent for non‑essential processing (such as marketing) at any time. To exercise these rights, contact us using the details below.

8. Cookies and Analytics

We use cookies and similar technologies to operate the site, analyze usage, and improve performance. You may control cookies through your browser settings; however, disabling some cookies may affect site functionality.

9. Security

We implement administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, or misuse. No method of transmission or storage is 100% secure; we continuously improve our safeguards in line with industry standards.

10. Children’s Privacy

Our services are intended for individuals who have reached the age of majority in Ontario. We do not knowingly collect personal information from children under 18.

11. Updates to This Policy

We may update this Privacy Policy to reflect changes in our practices or legal requirements. The “Last updated” date will indicate the most recent revision. Material changes will be communicated as appropriate.

12. Contact Us

Questions or requests about this policy can be sent to mortgages@garrisonco.ca.

Phone: 647 558 2300

Brokerage License #13362 • Ontario, Canada