Privacy Policy


Last Updated: June 11, 2025


This Privacy Policy outlines how Melki Mortgage Financing (“we,” “us,” or “our”) collects, uses, discloses, and protects the personal information of our clients and website visitors (“you” or “your”). We are committed to protecting your privacy and handling your personal information in a transparent and responsible manner, in accordance with the laws of Quebec and Canada, including the Act respecting the protection of personal information in the private sector (Quebec’s “Law 25”) and the Personal Information Protection and Electronic Documents Act (“PIPEDA”).


1. Our Commitment to Your Privacy


At Melki Mortgage Financing, we understand the sensitive nature of the financial information you entrust to us. We are dedicated to maintaining the confidentiality and security of your personal information. Our team is trained on our privacy obligations, and we have implemented robust safeguards to protect your data.


2. What Personal Information We Collect


To provide you with the best possible mortgage brokerage services, we may collect the following types of personal information:

 

  • Contact Information: Name, address, phone number, and email address.
  • Financial Information: Income, assets, liabilities, credit history, credit score, bank account details, and information about your property.
  • Employment Information: Employment history, job title, and income verification documents (e.g., pay stubs, letters of employment).
  • Identification Information: Government-issued identification (such as a driver’s license or passport) to verify your identity.
  • Demographic Information: Date of birth, marital status, and number of dependents.
  • Website Usage Information: We may collect non-personal information about your visit to our website, such as your IP address, browser type, and the pages you visited. This information is used to improve our website and services.


3. How We Collect Your Personal Information


We collect personal information directly from you when you:

  • Fill out an online application or contact form on our website.
  • Communicate with us via email, telephone, or in person.
  • Provide us with documents as part of the mortgage application process.


With your explicit consent, we may also collect information from third parties, such as credit reporting agencies (e.g., Equifax, TransUnion), financial institutions, and your employer.


4. How We Use Your Personal Information

We use your personal information for the following purposes:

  • To assess your financial situation and determine your eligibility for mortgage products.
  • To submit your mortgage application to potential lenders on your behalf.
  • To negotiate the terms and conditions of your mortgage with lenders.
  • To communicate with you throughout the mortgage process.
  • To comply with our legal and regulatory obligations, including anti-money laundering and “know your client” requirements.
  • To provide you with information about our services and other financial products that may be of interest to you, with your consent.


5. Sharing Your Personal Information


We will only share your personal information with your express consent or as required by law. The parties with whom we may share your information include:

  • Lenders and Financial Institutions: To submit your mortgage application for approval.
  • Credit Reporting Agencies: To obtain your credit report.
  • Insurers: Such as mortgage default insurers (e.g., CMHC, Sagen, Canada Guaranty).
  • Legal and Regulatory Bodies: As required by law or in response to a valid court order or search warrant.
  • Service Providers: We may use third-party service providers for services such as data storage or document management. These providers are contractually obligated to protect your personal information and can only use it for the purposes for which it was disclosed.


We will not sell or rent your personal information to third parties for marketing purposes.


6. Your Rights Regarding Your Personal Information


Under Quebec’s Law 25 and PIPEDA, you have the following rights concerning your personal information:

 

  • Right to Access: You have the right to request access to the personal information we hold about you.
  • Right to Rectification: You have the right to request that we correct any inaccurate or incomplete personal information.
  • Right to Withdraw Consent: You may withdraw your consent to the collection, use, and disclosure of your personal information at any time, subject to legal and contractual restrictions.
  • Right to Data Portability: You have the right to request a copy of your personal information in a structured, commonly used, and machine-readable format.
  • Right to be Forgotten (De-indexing): You may have the right to request that we cease disseminating your personal information or de-index any hyperlink attached to your name that provides access to the information.


To exercise any of these rights, please contact our Privacy Officer using the contact information provided below.


7. Data Security

 

We have implemented administrative, technical, and physical security measures to protect your personal information from unauthorized access, use, or disclosure. These measures include:

 

  • Secure storage of physical and electronic documents.
  • Use of encryption and other security technologies.
  • Restricted access to personal information on a “need-to-know” basis.
  • Regular training for our employees on privacy and data security.

In the event of a data breach that poses a risk of serious harm, we will notify the Commission d'accès à l'information du Québec and affected individuals as required by law.


8. Data Retention

 

We will retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Once your personal information is no longer needed, we will securely destroy or anonymize it.


9. Cookies and Tracking Technologies


Our website may use cookies and other tracking technologies to enhance your Browse experience and gather information about how our site is used. You can manage your cookie preferences through your browser settings.


10. Changes to This Privacy Policy

 

We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. We will post the updated policy on our website and indicate the date of the latest revision.

 

11. Contact Us

 

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact our Privacy Officer:


Elie Melki

Melki Mortgage Financing Founder and Mortgage Broker

1010 Saint-Catherine St W Suite 200,

Montreal, Quebec H3B 5L1

emelki@dlcco.ca

514-260-7777