Privacy Policy.

BNQ Financial Inc. ("BNQ Financial", "we", "our", or "us") is committed to protecting the privacy of individuals who interact with our website and services. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation.

1. Who We Are

BNQ Financial Inc. is a licensed mortgage brokerage in Ontario (FSRA Licence #13618) and a Mortgage Investment Entity (MIE), headquartered at Suite 105, 1670 North Service Rd E, Oakville, Ontario L6H 7G3.

2. Information We Collect

We may collect the following types of personal information:

• ·Contact information (name, email, phone number, address)
• ·Professional information (brokerage name, FSRA licence number, E&O insurance details)
• ·Financial and property information submitted as part of a deal or mortgage application
• ·Communications you send to us via forms, email, or phone
• ·Website usage data (cookies, IP addresses, browsing behaviour)

3. How We Use Your Information

We use your personal information to:

• ·Review and process mortgage deal submissions and broker registrations
• ·Communicate with mortgage brokers, agents, and clients about their files
• ·Comply with FSRA licensing requirements and regulatory obligations
• ·Send newsletters and market updates to subscribers who have opted in
• ·Investigate and respond to complaints
• ·Improve our website and services

4. Disclosure of Your Information

We do not sell your personal information. We may share your information with third-party service providers (such as our CRM platform, email service provider, or legal counsel) strictly for the purpose of delivering our services. All third parties are bound by confidentiality obligations. We may also disclose information where required by law or regulatory authority.

5. Cookies and Website Analytics

Our website uses cookies and similar technologies to understand how visitors use our site and to improve user experience. You can disable cookies through your browser settings, though this may affect some website functionality.

6. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, comply with legal and regulatory requirements, and resolve disputes. Mortgage-related records are retained as required by FSRA guidelines.

7. Your Rights

Under PIPEDA and applicable Ontario law, you have the right to:

• ·Access the personal information we hold about you
• ·Request correction of inaccurate information
• ·Withdraw consent (where applicable) for the use of your information
• ·File a complaint about our privacy practices

To exercise these rights, contact us at [email protected].

8. Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction.

9. Contact

Questions or concerns about our privacy practices? Contact our Privacy Officer:
BNQ Financial Inc.
Suite 105, 1670 North Service Rd E, Oakville, Ontario L6H 7G3
[email protected]

You also have the right to contact the Office of the Privacy Commissioner of Canada at priv.gc.ca if you feel your privacy rights have been violated.