Privacy Policy
Effective Date: March 7, 2026
1. Who We Are
This Privacy Policy applies to Verico Financial Group Inc., Integrity Tree Financial, and their affiliates, partners, representatives, and service providers involved in providing mortgage-related products and services to you, where applicable. In this policy, “we”, “us”, and “our” refer to these organizations and parties as applicable.
This policy describes how we collect, use, disclose, store, and protect personal information collected through our website, mortgage application process, communications with you, and related services.
2. What Is Personal Information
“Personal information” means information about an identifiable individual, as defined under applicable privacy laws. This may include your name, phone number, email address, date of birth, address, employment information, income details, credit information, banking information, mortgage details, and other financial or identification information.
Business contact information used solely to communicate with you in your business capacity is generally not considered personal information.
3. What Information We Collect
Depending on how you interact with us, we may collect:
contact information
identity information
employment and income information
assets, liabilities, and net worth information
mortgage and property information
credit and credit bureau information
banking and payment information
information you provide in forms, emails, calls, and messages
website usage information, including IP address, browser type, device type, pages visited, referring URL, time spent on pages, and cookie-related information
We limit collection to information reasonably necessary for the purposes described in this policy or as otherwise permitted or required by law.
4. How We Collect Information
We may collect, use, and disclose your personal information to:
respond to inquiries and provide mortgage advice, products, and services
process mortgage applications, renewals, refinances, pre-approvals, and related requests
verify identity and assess eligibility, creditworthiness, suitability, and risk
communicate with lenders, insurers, referral partners, service providers, and other parties involved in your transaction
maintain our relationship with you and provide client service
recommend products or services that may meet your needs
improve our website, services, operations, and marketing
detect, prevent, and investigate fraud, unauthorized activity, errors, and security incidents
comply with legal, regulatory, audit, recordkeeping, and licensing requirements
support a business transaction such as a sale, merger, financing, assignment, or restructuring of all or part of our business
If we want to use your information for a new purpose, we will identify that purpose and obtain any consent required by law.
6. Consent
We collect, use, and disclose personal information with your consent, whether express or implied, except where otherwise permitted or required by law.
By submitting information to us through our website, forms, applications, or other communications, you consent to the collection, use, and disclosure of that information as described in this Privacy Policy.
You may withdraw your consent, subject to legal, regulatory, and contractual restrictions and reasonable notice. If you withdraw consent, we may be unable to provide certain products, services, or assistance.
7. Who We Share Information With
We do not sell your personal information.
We may share personal information, where appropriate, with:
lenders and mortgage investors
mortgage insurers
credit bureaus and consumer reporting agencies
appraisers and other transaction-related professionals
our brokerage, agents, assistants, and affiliates
software providers, CRM platforms, document collection systems, cloud hosting providers, analytics providers, and payment processors
regulators, law enforcement, courts, government agencies, or other parties where required or permitted by law
a purchaser or prospective purchaser of all or part of our business, subject to appropriate confidentiality and privacy protections
We may also use personal information to create aggregated or anonymized reporting that does not identify you.
8. Cookies, Analytics and Advertising
Our website may use cookies, pixels, tags, analytics tools, and similar technologies to:
operate and secure the website
understand website traffic and usage patterns
improve functionality and user experience
remember preferences
measure marketing performance
support advertising and remarketing campaigns
These tools may collect information such as your IP address, browser type, device type, pages visited, referral source, and interactions with our website.
You may be able to control cookies through your browser settings and, where available, through cookie consent tools on our website. Disabling some cookies may affect site functionality.
9. Cross-Border Processing
Your personal information may be stored or processed in Canada or in other jurisdictions, including the United States, by us or by service providers acting on our behalf. When information is processed outside your province or Canada, it may be subject to the laws of that jurisdiction and may be accessible to courts, law enforcement, or regulatory authorities in accordance with those laws.
10. Retention
We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, and as needed to satisfy legal, regulatory, tax, accounting, audit, dispute resolution, fraud prevention, and recordkeeping obligations.
When personal information is no longer required, we will securely destroy, delete, anonymize, or de-identify it, as appropriate.
11. Safeguards
We use physical, organizational, contractual, and technological safeguards appropriate to the sensitivity of the information to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, modification, or destruction.
While we take reasonable steps to protect personal information, no method of transmission over the internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.
12. Privacy Breaches
If a breach of our security safeguards occurs involving your personal information, we will respond in accordance with applicable privacy laws. Where required, we will notify affected individuals and report the breach to the appropriate regulator.
13. Access and Corrections
You may request access to personal information we hold about you and request correction of inaccurate or incomplete information, subject to legal exceptions.
To make a request, ask a question, or submit a privacy complaint, contact:
Integrity Tree Financial
[email protected]
14. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or business operations. The most current version will always be posted on our website with the updated effective date.
