Mortgages By Conrad (“we,” “us,” or “our”) operates the website conradneufeldt.ca (the “Site”). This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when you visit our Site, submit inquiries, complete real estate or financial applications, or engage with our services and content.

We are committed to protecting your privacy and complying with applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial laws.

Information We Collect

General Information

We may collect personal information you voluntarily provide, including:

  • Name
  • Email address
  • Phone number
  • Mailing address
  • Business or employment details
  • Any information submitted through contact forms or communications

We may also automatically collect technical information such as:

  • IP address
  • Browser and device type
  • Pages viewed and time spent on the Site
  • Referring URLs

Real Estate, Mortgage, and Financial Services Information

If you submit a real estate inquiry, mortgage application, financing request, investment inquiry, or other financial-related form, we may collect additional sensitive personal and financial information, including but not limited to:

  • Date of birth
  • Government-issued identification details (where required)
  • Employment and income information
  • Credit history and credit-related data
  • Assets, liabilities, and net worth information
  • Property details and transaction information
  • Banking or financing details

This information is collected solely for the purpose of assessing eligibility, facilitating financing or real estate transactions, providing advisory services, and meeting regulatory, lender, and legal requirements.

How We Use Your Information

We may use your personal and financial information for the following purposes:

  • To respond to inquiries and provide requested services
  • To assess, process, and support real estate, mortgage, lending, or investment applications
  • To communicate with lenders, financial institutions, investors, insurers, legal professionals, appraisers, real estate professionals, and other authorized parties involved in a transaction
  • To deliver educational content, newsletters, updates, and marketing communications (you may unsubscribe at any time)
  • To improve our website, services, tools, and overall user experience

Analytics, Research, and Market Insights

We may also use personal information, in aggregated and/or anonymized form, to:

  • Analyze general consumer behavior and usage patterns
  • Identify market trends, demand shifts, and financial or real-estate market conditions
  • Assess overall consumer financial strength, affordability, and engagement trends
  • Improve underwriting models, educational content, tools, and service offerings
  • Support internal research, business planning, and strategic decision-making

Where possible, information used for these purposes is de-identified, aggregated, or anonymized so that it cannot reasonably be used to identify an individual.

We do not use this information to make automated decisions that produce legal or significant effects on individuals without human review, and we do not sell personal or financial information.

Consent

By submitting personal or financial information through this Site, you consent to its collection, use, and disclosure as described in this Privacy Policy.

By submitting your information, you acknowledge and consent to its use for service delivery, regulatory compliance, and the analysis of aggregated consumer trends and market insights, as described in this Privacy Policy.

Consent may be withdrawn at any time, subject to legal or contractual restrictions.

For certain financial services, withdrawing consent may limit or prevent our ability to provide services.

Disclosure of Information

We may disclose personal information:

  • To lenders, financial institutions, mortgage insurers, investors, legal advisors, accountants, appraisers, real estate professionals, or service providers involved in evaluating or completing a transaction
  • To technology and service providers who assist in operating our business (e.g., CRM systems, document storage, analytics, email platforms), under confidentiality agreements
  • When required by law, court order, regulatory authority, or legal process
  • To protect our legal rights, safety, or property

All disclosures are limited to what is reasonably necessary for the intended purpose.

Cookies and Analytics

We may use cookies and analytics tools to:

  • Understand website traffic and user behavior
  • Improve site performance and content
  • Measure marketing effectiveness

You can disable cookies through your browser settings, though this may affect certain site features.

Data Storage and Security

Personal and financial information is protected using reasonable administrative, technical, and physical safeguards appropriate to the sensitivity of the information.

While we take data protection seriously, no system can guarantee absolute security. Information is retained only as long as necessary to fulfill its intended purpose or meet legal requirements.

Third-Party Websites

Our Site may contain links to third-party websites. We are not responsible for the privacy practices, policies, or content of those sites and encourage you to review their privacy policies separately.

Employee and Internal Access to Information

Personal and financial information collected through this Site may be accessed by our employees, contractors, or agents only to the extent necessary to perform their job duties and provide requested services.

We maintain reasonable safeguards to ensure that:

  • Access to information is restricted based on role and responsibility
  • Employees and contractors are bound by confidentiality, privacy, and data-protection obligations
  • Information is used solely for authorized business purposes, including service delivery, compliance, and internal analysis as described in this Privacy Policy

All individuals with access to personal or financial information receive appropriate guidance or training regarding privacy obligations and the sensitive nature of the information.

Unauthorized access, use, or disclosure of personal information by employees or contractors is prohibited and may result in disciplinary action, termination, or legal consequences.

Access, Accuracy, and Your Rights

Under Canadian privacy laws, you have the right to:

  • Request access to your personal information
  • Request corrections to inaccurate or incomplete information
  • Withdraw consent, subject to legal or contractual limitations

Requests can be made using the contact information below.

Changes to This Policy

This Privacy Policy may be updated periodically. Changes will be posted on this page with an updated revision date.

Contact Information

If you have questions about this Privacy Policy or how your personal information is handled, contact:

Conrad Neufeldt
📧 Email: Mortgages@ConradNeufeldt.ca
🌐 Website: https://conradneufeldt.ca