Privacy Policy

Last updated: September 10, 2026

Matthew Lawrence, operating under the name Mortgage With Matthew and providing mortgage services through Today’s Mortgage Choice, is committed to protecting the confidentiality and security of your personal information.

This Privacy Policy explains how Matthew Lawrence (“Matthew,” “I,” “me” or “Mortgage With Matthew”) collects, uses, stores and discloses personal information when you visit this website, make an inquiry or request mortgage services.

Mortgage With Matthew is not a separate mortgage brokerage or lender. Mortgage brokering services are provided by Matthew Lawrence as a Mortgage Agent with Today’s Mortgage Choice, Brokerage Licence #13324. Information collected in connection with a mortgage inquiry or application may also be subject to the privacy practices, consent forms and regulatory obligations of Today’s Mortgage Choice and the lenders or service providers involved.

This policy is intended to comply with the Personal Information Protection and Electronic Documents Act (Canada), commonly known as PIPEDA, and other applicable privacy requirements.

1. Personal Information That May Be Collected

The information collected depends on the nature of your inquiry and the mortgage services you request. It may include:

• Your name, residential address, email address and telephone number

• Your date of birth, marital status and number of dependants

• Government-issued identification, such as a driver’s licence or passport

• Employment, occupation and income information

• Tax returns, notices of assessment, pay statements and employment records

• Banking information and account statements

• Information about your assets, liabilities, expenses and net worth

• Existing mortgage, loan and credit information

• Credit reports, credit scores and credit history

• Information about a property you own, are purchasing or are considering

• Purchase agreements, property tax records, mortgage statements and appraisals

• Information about the source of your down payment or other funds

• Residency, citizenship or immigration information where relevant to lender requirements

• Information concerning a co-applicant, guarantor, spouse or other person connected with the application

• Communications, instructions, meeting notes and documents relating to your mortgage inquiry or transaction

• Information submitted through this website, a mortgage application, email, telephone call or secure document-upload service

Please do not provide personal information about another person unless you have their permission or are otherwise authorized to provide it.

2. How Personal Information Is Collected

Personal information may be collected:

• Directly from you during a conversation, inquiry or application

• Through this website, email, telephone, electronic forms or document-upload platforms

• From a co-applicant, guarantor or other person acting with your authority

• From Today’s Mortgage Choice and its authorized employees, agents or underwriting personnel

• From credit-reporting agencies, with your authorization

• From financial institutions, lenders, employers, accountants, lawyers, appraisers or other professionals, where authorized or permitted

• From government, regulatory or public sources where permitted by law

• From referral sources where you have consented to the referral or requested contact

3. How Your Information May Be Used

Your personal information may be collected and used to:

• Respond to your inquiry and communicate with you

• Verify your identity and the accuracy of the information provided

• Understand your mortgage needs, financial circumstances and objectives

• Assess your potential eligibility for mortgage products

• Obtain and review your credit report with your authorization

• Compare mortgage products, rates, terms and lender requirements

• Recommend mortgage options that may be suitable for your circumstances

• Prepare, submit, administer or support a mortgage application

• Provide information requested by lenders, insurers or other transaction participants

• Confirm employment, income, assets, liabilities, property information and sources of funds

• Detect and prevent fraud, identity theft, money laundering and other unlawful activity

• Maintain complete records of recommendations, instructions, communications and transactions

• Meet legal, regulatory, brokerage, audit and compliance requirements

• Provide ongoing service concerning a purchase, renewal, refinance or other mortgage matter

• Improve website functionality, security and visitor experience

• Send mortgage information or marketing communications where you have consented to receive them

Personal information will not be used for a materially different purpose without obtaining consent unless the use is otherwise permitted or required by law.

4. Consent and Credit Inquiries

Consent may be provided verbally, electronically or in writing, depending on the nature and sensitivity of the information and the purpose for which it is required.

A credit report will only be requested after appropriate authorization has been obtained. Your credit information may be used to assess borrowing eligibility, verify information in your application and identify mortgage products that may be available to you.

Providing information does not guarantee mortgage approval, a particular interest rate or funding. Each lender applies its own underwriting requirements and makes its own lending decisions.

You may withdraw your consent, subject to legal, regulatory and contractual restrictions and reasonable notice. Withdrawing consent may prevent Matthew or Today’s Mortgage Choice from completing an application, continuing to provide mortgage services or administering an existing transaction.

5. Disclosure of Personal Information

Personal information may be disclosed when reasonably necessary to provide the requested mortgage services or meet legal and regulatory obligations.

Recipients may include:

• Today’s Mortgage Choice and its authorized employees, brokers, agents, underwriters, administrators and compliance personnel

• Banks, credit unions, trust companies and mortgage finance companies

• Mortgage investment corporations, alternative lenders and private lenders, where applicable

• Mortgage default insurers and other insurers involved in the transaction

• Credit-reporting agencies

• Appraisers, lawyers, title insurers and other professionals involved in the transaction

• Employers, accountants, financial institutions and other parties asked to verify information, with your authorization

• Technology, document-management, electronic-signature, cloud-storage, communication and mortgage-processing providers

• Government agencies, regulators, law-enforcement bodies or courts where disclosure is required or permitted by law

• Other parties you authorize Matthew or the brokerage to contact

Some lenders and other recipients operate independently and maintain their own privacy policies. Their collection, use and retention of information are governed by their agreements with you and their applicable legal obligations.

Personal information will not be sold or rented. It will not be provided to another organization solely for that organization’s unrelated marketing purposes without your consent.

6. Social Insurance Numbers

You are not legally required to provide your Social Insurance Number to apply for a mortgage.

A lender, credit-reporting agency or mortgage application may request it as an optional way to help match you accurately with your credit file. If a SIN is requested, you may ask why it is needed, how it will be used and whether another identifier can be provided instead.

A SIN card is not accepted as an identity document.

7. Website, Cookies and Analytics

This website is hosted using Google Sites. Google and related service providers may process technical information required to operate and secure the website.

The website may also use Google Analytics or similar services to collect information such as:

• Internet Protocol address

• Browser and device type

• General geographic region

• Pages visited

• Referral source

• Date and duration of a visit

• Website interactions

This information is generally used in an aggregated form to understand website use, improve content and identify technical problems. It is not intended to be used by Matthew to identify an individual visitor unless the visitor submits personal information or otherwise contacts him.

You can restrict or delete cookies through your browser settings. Disabling cookies may affect some website functions.

Information about Google’s privacy practices is available at:

https://policies.google.com/privacy

This website may link to lender, brokerage, application or other third-party websites. Once you leave this website, the privacy practices of the destination website will apply.

8. Safeguarding Personal Information

Reasonable physical, administrative and technological safeguards are used to protect personal information against loss, theft, unauthorized access, disclosure, copying, use or modification.

Depending on the information and how it is handled, safeguards may include:

• Password-protected devices and accounts

• Multi-factor authentication

• Secure mortgage-processing and document-upload platforms

• Access restrictions based on business need

• Secure electronic or physical storage

• Confidentiality and information-handling requirements

• Appropriate disposal or destruction of information

• Procedures for responding to suspected privacy or security incidents

No electronic transmission or storage system can be guaranteed to be completely secure. Clients should avoid sending highly sensitive documents through unsecured email when a secure upload option is available.

9. Retention and Location of Records

Personal information is retained only for as long as reasonably necessary to provide services and satisfy legal, regulatory, brokerage, audit and recordkeeping requirements.

Ontario mortgage brokerage rules require certain records to be retained for at least six years after the applicable mortgage term expires or after a transaction is completed or expires. These requirements can also apply to mortgage inquiries or applications that do not ultimately fund.

Records may be retained by Matthew, Today’s Mortgage Choice and authorized service providers in paper or electronic form. Electronic information may be processed or stored outside Ontario or Canada. When information is handled in another jurisdiction, it may be subject to the laws and lawful access requirements of that jurisdiction.

When personal information is no longer required, it will be securely destroyed, deleted or anonymized, subject to applicable retention obligations.

10. Accuracy, Access and Correction

You are encouraged to provide complete and accurate information and to notify Matthew promptly when your personal information changes.

Subject to limited legal exceptions, you may request:

• Confirmation that your personal information is being held

• Information about how it has been used or disclosed

• Access to personal information under Matthew’s control

• Correction of inaccurate or incomplete information

A written request and sufficient information to verify your identity may be required. Access may be limited where disclosure would reveal another person’s information, confidential commercial information, legally privileged material or information that cannot be disclosed under applicable law.

Information held by Today’s Mortgage Choice, a lender, a credit-reporting agency or another independent organization may need to be requested directly from that organization.

11. Marketing Communications

Mortgage updates, educational content or other marketing communications will be sent only where permitted by law and with any consent that may be required.

You may unsubscribe from electronic marketing communications at any time by using the unsubscribe option provided or by contacting Matthew. Unsubscribing from marketing does not prevent communications required to respond to an inquiry, service an application or administer a mortgage transaction.

12. Privacy and Security Incidents

Suspected unauthorized access, loss or disclosure of personal information will be investigated and addressed in accordance with applicable law and brokerage procedures.

Affected individuals, Today’s Mortgage Choice, the Office of the Privacy Commissioner of Canada or other authorities will be notified where notification is legally required.

13. Changes to This Policy

This Privacy Policy may be updated periodically to reflect changes in services, technology, legal requirements or business practices.

The current version will be posted on this website with its most recent revision date. Material changes affecting how previously collected information is used will be addressed in accordance with applicable consent requirements.

14. Contact and Privacy Questions

Questions, access requests, correction requests or privacy concerns relating to Matthew Lawrence or Mortgage With Matthew may be directed to:

Matthew Lawrence
Mortgage With Matthew
Mortgage Agent Level 1, Licence #[INSERT AGENT LICENCE NUMBER]
Mortgage services provided through Today’s Mortgage Choice
Brokerage Licence #13324

Email: [INSERT MORTGAGE EMAIL ADDRESS]
Telephone: [INSERT MORTGAGE TELEPHONE NUMBER]

Concerns relating to the brokerage or a mortgage file held by the brokerage may also be directed to:

Today’s Mortgage Choice
398 Lloyd Street
Sudbury, Ontario P3B 1P3

Telephone: 705-805-9055
Toll-free: 1-888-418-6979

If a privacy concern has not been resolved satisfactorily, you may contact the:

Office of the Privacy Commissioner of Canada
Website: https://www.priv.gc.ca/