Data Protection Policy

1. Scope

This policy applies to:

• Personal information submitted through our website forms
• Information shared when you request a pre approval or consultation
• Information submitted through our secure Loan Operating System (LOS) partner
• Information collected through normal website usage, analytics, and communication tools

It applies to all Users of the Site, including prospective clients, existing clients, and other visitors.

2. Data Security Measures

We use a combination of administrative, technical, and physical safeguards to protect your information from unauthorized access, use, disclosure, alteration, or destruction. These may include:

• Secure socket layer (SSL) or similar encryption for data in transit where applicable
• Password protected systems and role based access for staff and service providers
• Firewalls and security monitoring on hosting environments
• Secure storage and access controls for electronic records

No method of transmission over the internet or electronic storage is completely secure, but we take reasonable steps to reduce risk and protect your information.

3. Access To Personal Information

Access to personal data is limited to:

• Julie and authorized team members who need the information to provide mortgage services
• Trusted service providers and partners, such as our LOS provider, who support our operations under confidentiality obligations
• Regulatory, legal, or compliance entities when required by law

We require that any third party with access to personal data protects it in a way that is consistent with this policy and applicable laws.

4. Data Collection And Use

We only collect personal information that is reasonably necessary to:

• Respond to your inquiries
• Provide mortgage related services and guidance
• Begin or process a loan application (when voluntarily submitted)
• Improve our website and customer experience
• Communicate with you about appointments, updates, or relevant mortgage information

We do not sell or trade your personal information.

For more detail on the types of information collected and how we use it, please refer to our Privacy Policy.

5. Data Retention

We retain personal information only for as long as necessary to:

• Provide requested services
• Maintain business and regulatory records
• Comply with applicable legal, tax, and regulatory requirements

When information is no longer needed, it may be securely deleted, anonymized, or archived in accordance with our internal retention practices and any applicable legal requirements.

6. Your Choices And Rights

Depending on your situation and applicable law, you may have certain rights regarding your personal information, including to:

• Request access to the personal information we hold about you
• Request corrections to inaccurate or incomplete information
• Request that certain information be deleted or restricted, subject to legal or regulatory requirements

To exercise any of these rights or to ask questions about your information, contact us using the details provided in the "Contact Us" section below. We may need to verify your identity before responding to certain requests.

7. Use Of Third Party Service Providers

We may use trusted third parties to help with:

• Website hosting and maintenance
• Analytics and site performance monitoring
• Email communication and scheduling
• Loan processing and document handling (through our LOS partner)

These providers are only given the information they need to perform their services and are required to protect personal information and use it only for the purposes we specify.

8. Incident Response

If we become aware of a security incident involving personal information, we will:

• Investigate the issue
• Take reasonable steps to contain and address the incident
• Comply with any applicable legal or regulatory requirements, which may include notifying affected individuals if required by law

9. Relationship To The Privacy Policy

This Data Protection Policy works together with our Privacy Policy.

• The Privacy Policy explains what we collect and how we use it.
• This Data Protection Policy explains how we protect, store, and manage that information.

If there is any conflict between the two documents, the version that provides stronger protection to you will generally apply, subject to legal requirements.

10. Changes To This Data Protection Policy

Mortgages By Julie may update this Data Protection Policy from time to time. When we make changes, we will revise the "Last updated" date at the top of this page. Your continued use of the Site after any changes indicates your acceptance of the updated policy.

11. Contact Us

If you have questions about this Data Protection Policy or how we handle your personal information, please contact: