1. Who We Are
Caxton & Lucke Mortgages is a mortgage agency powered by Pegasus Mortgage Lending Center Inc. under FSRA Brokerage Licence #11479, with individual agent Yeseed Aro-Lambo holding Licence #M21003988. We are regulated by the Financial Services Regulatory Authority of Ontario (FSRA).
Registered Address: 103 Hawkwood Way NW, Calgary, AB T3G 1X3
Email: info@candlmortgages.com
Phone: (825) 425-5788
2. Information We Collect
We collect personal information necessary to provide mortgage brokerage services. This may include:
Information You Provide Directly
- Full name, email address, and phone number (from our contact forms, scorecard lead gates, and Calendly booking)
- Financial information: income, employment status, credit score estimates, down payment savings, existing debt obligations
- Property information: purchase price, location, property type
- Government-issued identification (collected only during formal mortgage application processing)
- Tax documents, bank statements, and employment verification documents (collected only when required for a mortgage application)
Information Collected Automatically
- Browser type, device type, and operating system
- IP address and approximate geographic location
- Pages visited and time spent on our website
- Referring URL and search terms used to find our site
We use standard web analytics tools (such as Google Analytics) which may set cookies on your device. You can opt out of Google Analytics tracking at tools.google.com/dlpage/gaoptout.
3. How We Use Your Information
We use the information we collect to:
- Respond to your mortgage inquiries and provide personalised rate and strategy advice
- Process and submit mortgage applications to lenders on your behalf
- Communicate with you regarding your application status, renewal reminders, and rate changes
- Comply with lender requirements, regulatory obligations, and FSRA reporting duties
- Improve our website, scorecard tools, and client communications
- Send you relevant mortgage information, rate updates, and educational content (only with your consent; you may unsubscribe at any time)
We do not use your personal information for automated decision-making that produces legal effects without human review.
4. Legal Basis for Processing
We process your personal information on the following legal bases under PIPEDA (Personal Information Protection and Electronic Documents Act) and applicable provincial privacy legislation:
- Consent: You have provided express or implied consent for us to collect and use your information (e.g., by completing a scorecard or contact form)
- Contract Performance: Processing is necessary to fulfil a mortgage brokerage engagement you have entered into with us
- Legal Obligation: We are required to retain certain records by FSRA, CRA, and federal anti-money laundering (AML/FINTRAC) regulations
- Legitimate Interests: We may process certain data for fraud prevention, security, and service improvement purposes
5. Information Sharing & Disclosure
We do not sell, rent, or trade your personal information to third parties for their marketing purposes.
We may share your information with:
- Mortgage lenders and financial institutions — when submitting your application or requesting rate holds on your behalf
- Credit bureaus — with your explicit consent, for the purpose of obtaining a credit report for mortgage qualification
- Third-party service providers — such as our CRM platform, scheduling software (Calendly), and analytics providers, who are contractually obligated to protect your data and may not use it for their own purposes
- Regulatory and legal authorities — where required by law, court order, or FSRA/FINTRAC obligations
- Successor entities — in the event of a merger, acquisition, or sale of the business, with prior notice to you
6. Data Retention
We retain your personal information for as long as necessary to fulfil the purposes for which it was collected, and as required by applicable regulations:
- Mortgage application files: minimum 7 years from the date of the transaction (FSRA requirement)
- AML/KYC records: minimum 5 years from the date of the last transaction (FINTRAC requirement)
- Marketing contact records: retained until you withdraw consent or request deletion
- Website analytics data: aggregated and anonymised after 26 months
7. Your Rights
Under PIPEDA and applicable provincial privacy legislation, you have the right to:
- Access: Request a copy of the personal information we hold about you
- Correction: Request that inaccurate or incomplete information be corrected
- Withdrawal of Consent: Withdraw consent to receive marketing communications at any time by contacting us or using the unsubscribe link in any email
- Complaint: Lodge a complaint with the Office of the Privacy Commissioner of Canada at priv.gc.ca if you believe your privacy rights have been violated
To exercise any of these rights, please contact our Privacy Officer at info@candlmortgages.com or (825) 425-5788. We will respond within 30 days.
8. Security
We implement appropriate technical and organisational safeguards to protect your personal information against unauthorised access, loss, misuse, or alteration. These include:
- SSL/TLS encryption for all data transmitted through our website
- Access controls limiting personal data access to authorised personnel only
- Secure, encrypted storage for sensitive financial documents
- Regular security reviews of our data practices
No method of internet transmission is 100% secure. In the event of a data breach that poses a real risk of significant harm, we will notify affected individuals and the Office of the Privacy Commissioner as required by PIPEDA.
9. Cookies & Tracking
Our website uses cookies and similar tracking technologies to improve your experience and understand how our site is used. Types of cookies we use:
- Essential cookies: Required for basic site functionality. Cannot be disabled.
- Analytics cookies: Help us understand how visitors interact with our site (e.g., Google Analytics). These are anonymised and do not identify you personally.
- Marketing cookies: May be set by third-party advertising platforms if you arrive from a paid advertisement (e.g., Google Ads, Meta Ads). These track campaign performance only.
You can control cookies through your browser settings. Disabling certain cookies may affect website functionality.
10. Third-Party Links
Our website may contain links to third-party websites, including Calendly (for booking) and lender websites. We are not responsible for the privacy practices of these third parties and encourage you to review their privacy policies independently.
11. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the "Last Updated" date at the top of this page. Continued use of our website or services after changes constitutes acceptance of the updated policy.
12. Contact Our Privacy Officer
For any questions, concerns, or requests related to this Privacy Policy or your personal information:
Caxton & Lucke Mortgages
Operated by Pegasus Mortgage Lending Center Inc. (FSRA Brokerage Licence #11479)
Individual Agent Licence #M21003988
103 Hawkwood Way NW, Calgary, AB T3G 1X3
(825) 425-5788
info@candlmortgages.com