Privacy Policy

Note: This English version is provided for convenience. In accordance with Quebec's Charter of the French Language (Bill 96), the French version of this privacy policy is authoritative. In the event of any discrepancy between the two versions, the French version shall prevail.

Anthony King — Architectes Hypothécaires, operated by Anthony King, Mortgage Broker with Architectes Hypothécaires (hereinafter "we," "us," or "our"), is committed to protecting the personal information of its clients, prospective clients, and website visitors. This privacy policy explains how we collect, use, disclose, retain, and protect your personal information in accordance with Quebec's Act respecting the protection of personal information in the private sector (commonly referred to as "Law 25" or "Bill 64"), as well as all applicable provincial and federal privacy legislation.

1. Privacy Officer

In accordance with Law 25, Anthony King — Architectes Hypothécaires has designated a person responsible for the protection of personal information.

Contact Information:

The Privacy Officer is responsible for ensuring compliance with privacy legislation, overseeing the handling of personal information within Anthony King — Architectes Hypothécaires, responding to access and rectification requests, and addressing any privacy-related inquiries or complaints.

The title and contact information of the Privacy Officer are published on our website at anthonyking.ca as required by Law 25.

2. Personal Information Collected

We collect the following categories of personal information, depending on the nature of your interaction with us:

Information You Provide Directly

• Identification Information: Full name, date of birth, marital status, number of dependents
• Contact Information: Mailing address, email address, phone number(s)
• Financial Information: Income and employment income details, sources of revenue, existing debts and liabilities, credit history, bank account information, down payment sources and amounts, assets
• Employment Information: Employer name and address, job title, length of employment, employment status
• Property Information: Property address, property type, estimated or purchase value, intended use (primary residence, rental, investment), existing mortgage details
• Identity Verification Documents: Government-issued identification, proof of address, proof of income (pay stubs, tax returns, T4s, notices of assessment)

Information Collected Automatically via the Website

When you visit our website at anthonyking.ca, we may automatically collect:

• Technical Information: IP address, browser type and version, operating system, device type
• Usage Information: Pages visited, time spent on pages, referring website, click patterns
• Cookies and Similar Technologies: We use cookies and similar tracking technologies to improve your browsing experience. Cookie consent is managed through our cookie banner, and analytics cookies (Google Analytics) are only activated with your explicit consent.

Information Obtained from Third Parties

• Credit Information: With your explicit written consent, we obtain credit reports from Equifax and/or TransUnion to assess your mortgage eligibility.

3. Purposes of Collection

We collect and use your personal information strictly for the following purposes:

1. Mortgage Brokerage Services: To evaluate your financial situation, identify suitable mortgage products, prepare and submit mortgage applications to lenders on your behalf, and facilitate the mortgage approval and closing process.
2. Pre-Qualification: To provide you with an initial assessment of your borrowing capacity and the mortgage products for which you may qualify.
3. Communication: To respond to your inquiries, provide updates on your mortgage application, send relevant information about our services, and communicate with you by phone, email, or SMS as appropriate.
4. Regulatory Compliance: To fulfill our legal and regulatory obligations, including those imposed by the Autorité des marchés financiers (AMF), anti-money laundering regulations, and other applicable laws governing mortgage brokerage in Quebec.
5. Service Improvement: To analyze trends, improve our services, enhance our website functionality, and better understand the needs of our clients.

We will not use your personal information for any purpose other than those stated above without first obtaining your consent, unless permitted or required by law.

4. Means of Collection

• Website Forms: Contact forms, pre-qualification forms, and other online submission forms available at anthonyking.ca.
• SMS Communication: Through our "Text us" feature, powered by Telnyx, at phone number +1 (514) 418-6787. When you send us a text message, we collect your phone number and the content of your messages.
• Phone Calls: During telephone conversations with our team. You will be informed at the beginning of any call if it is being recorded.
• Email Correspondence: Through email exchanges at aking@kingstate.ca or other Anthony King — Architectes Hypothécaires email addresses.
• Documents Provided by Clients: Physical or digital documents you submit to us in support of your mortgage application (e.g., pay stubs, bank statements, identification documents, tax returns).
• Credit Bureaus: With your prior, informed, and explicit written consent, we request credit reports from Equifax Canada and/or TransUnion Canada to assess your creditworthiness.

In all cases, we collect only the personal information that is necessary for the identified purposes, and we inform you of the purposes at the time of collection.

5. Third Parties with Access to Your Personal Information

We may share your personal information with the following categories of third parties, solely for the purposes described in this policy:

Service-Related Third Parties

• Lenders and Financial Institutions: Banks, credit unions, trust companies, and other mortgage lenders to whom we submit mortgage applications on your behalf. Information is shared only with lenders you have approved and only to the extent necessary to process your application.
• Credit Bureaus: Equifax Canada and TransUnion Canada, solely with your explicit written consent, to obtain credit reports necessary for mortgage evaluation.

Regulatory Authorities

• Autorité des marchés financiers (AMF): As a licensed mortgage broker (Certificate No. 254937), we are subject to oversight by the AMF and may be required to disclose information in connection with regulatory inquiries, audits, or compliance obligations.

Technology Service Providers

• Telnyx: Our SMS communication provider, which processes text messages sent to and from our "Text us" feature. Telnyx processes your phone number and message content to deliver SMS services.
• Google Analytics: Used to collect anonymized website usage data to help us understand how visitors use our website. Analytics cookies are only activated with your explicit consent. You may withdraw consent at any time through the cookie settings on our website.
• Vercel: Our website hosting provider. Vercel processes technical data (such as IP addresses) as part of hosting and delivering our website.
• CookieYes: Our cookie consent management platform, which allows you to manage your cookie preferences on our website.

We require all third-party service providers to handle your personal information in accordance with applicable privacy laws. We do not sell your personal information to any third party.

6. Retention of Personal Information

We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by law.

• Client Files: Personal information related to mortgage transactions is retained for a minimum of seven (7) years following the date of the last transaction or the end of the business relationship, in accordance with financial services regulatory requirements and applicable limitation periods.
• Website Data: Automatically collected website data (cookies, analytics) is retained in accordance with the retention periods specified in our cookie policy and by Google Analytics (typically 14 to 26 months).
• Inquiry Records: Information from general inquiries where no business relationship is established is retained for a maximum of two (2) years, then securely destroyed.

Upon expiry of the applicable retention period, personal information is securely destroyed or rendered anonymous using methods appropriate to the sensitivity of the information. Electronic records are permanently deleted, and physical documents are securely shredded.

7. Your Rights

Under Quebec's Law 25 and other applicable privacy legislation, you have the following rights regarding your personal information:

How to Exercise Your Rights

To exercise any of the above rights, please contact our Privacy Officer:

Please include sufficient detail to identify yourself and specify the right you wish to exercise. We may request additional information to verify your identity before processing your request.

8. Complaint Process

Step 1: Contact Our Privacy Officer

Please first contact our Privacy Officer directly to discuss your concern:

We will acknowledge receipt of your complaint promptly and provide a substantive response within thirty (30) days.

Step 2: Commission d'accès à l'information du Québec (CAI)

If you are not satisfied with our response, or if you believe that your rights under Quebec privacy law have been violated, you have the right to file a complaint with the Commission d'accès à l'information du Québec (CAI):

The CAI is the independent body responsible for overseeing compliance with privacy legislation in Quebec. You may file a complaint with the CAI at any time; however, we encourage you to contact us first so that we may attempt to resolve the matter directly.

Confidentiality Incident Protocol

In accordance with Law 25, Anthony King — Architectes Hypothécaires maintains a confidentiality incident register. In the event of a confidentiality incident involving your personal information that presents a risk of serious injury, we will:

1. Take reasonable measures to reduce the risk of injury and prevent further incidents of the same nature.
2. Notify the Commission d'accès à l'information du Québec (CAI) promptly.
3. Notify you of the incident, its circumstances, the information concerned, and the measures taken, unless doing so would impede an investigation to prevent, detect, or suppress a crime or statutory offence.

Consent

By providing your personal information to Anthony King — Architectes Hypothécaires, you consent to its collection, use, and disclosure in accordance with this privacy policy. Where required by law, we will obtain your express consent before collecting, using, or disclosing sensitive personal information.

You may withdraw your consent at any time by contacting our Privacy Officer using the information provided above, subject to legal or contractual obligations.

Changes to This Privacy Policy

We may update this privacy policy from time to time to reflect changes in our practices, legal requirements, or regulatory guidance. Any material changes will be posted on our website at anthonyking.ca with a revised "Last Updated" date. We encourage you to review this policy periodically.

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This privacy policy is effective as of February 22, 2026.