1. Information we may collect
Depending on how you interact with us, we may collect information such as your name, phone number, email address, preferred contact method, mortgage or financing goals, and information you choose to include in a message. If you proceed with a mortgage or financing application, additional personal and financial information may be required to assess eligibility and arrange financing.
2. Why we collect and use information
We may use personal information to respond to inquiries, communicate with you, understand your financing needs, assess potential mortgage options, prepare or process an application, coordinate with appropriate lenders and service providers, maintain business records, prevent fraud, and comply with legal, regulatory, licensing, or professional requirements.
3. Consent and limiting collection
We seek to identify the purpose for collecting personal information and obtain consent where required. We aim to collect only information reasonably necessary for those purposes. You may withdraw consent to certain uses, subject to legal, regulatory, contractual, or operational limitations.
4. When information may be shared
Where appropriate and with applicable consent or legal authority, information may be shared with mortgage lenders, insurers, credit reporting agencies, appraisers, lawyers or notaries, mortgage-industry service providers, technology providers, and other parties involved in evaluating, arranging, administering, or completing a financing transaction. We may also disclose information where required or permitted by law.
5. Website inquiries and technology
Information submitted through this website is used to respond to your inquiry and, where you choose to proceed, to support the services you request. Our website or hosting providers may also process limited technical information needed to deliver, secure, and operate the site. If analytics, cookies, or other tracking technologies are introduced, this policy and any applicable notices should be updated to reflect those practices.
6. Safeguards
We use administrative, technical, and physical safeguards appropriate to the sensitivity of the information in our care. No method of electronic transmission or storage can be guaranteed to be completely secure, so sensitive documents should be provided only through communication methods approved by your Orbit mortgage professional.
7. Retention
Personal information is retained only for as long as reasonably necessary for the purposes for which it was collected and to satisfy applicable legal, regulatory, professional, record-keeping, or dispute-resolution requirements. Information that is no longer required is securely destroyed, deleted, or anonymized as appropriate.
8. Access and correction
You may ask about personal information we hold about you and request access to or correction of that information, subject to applicable legal exceptions. We may need to verify your identity before completing a request.
9. Third-party websites
Our website may contain links to lender, government, credit bureau, or other third-party websites. Their privacy practices are governed by their own policies, and Orbit Mortgages is not responsible for the privacy practices of third-party websites.
10. Changes to this policy
We may update this Privacy Policy as our services, technology, or legal obligations change. The current version and its effective date will be posted on this page.
11. Questions or privacy requests
Questions, access or correction requests, and privacy concerns may be directed to the Privacy Officer, Orbit Mortgages through our contact page. Please do not include sensitive financial documents or identification in a general website inquiry.