About the Firm

Hypotheques.ca is a mortgage brokerage firm registered with the Autorité des marchés financiers (AMF) under number [AMF number]. You can verify this registration in the AMF register of firms and individuals authorized to practise.

Head office: 4454 Papineau Avenue, Montréal, Quebec H2H 1T8
Telephone: 514 447-3000
Email:
President: Vincent Le Saux, Mortgage Broker
Associate Broker: Thibaut Coquel

In the vast majority of cases, our mortgage brokerage services are free of charge for the borrower, as the firm is compensated by the lender. When fees apply, they are disclosed in writing before you sign any document.

Last updated: October 30, 2026

Our Privacy Policy

Hypotheques.ca, a mortgage brokerage firm (“Hypotheques.ca”, “we”, “us” or “our”), takes the protection of your privacy and personal information seriously. This policy explains how we collect, use, disclose and retain personal information, in accordance with Quebec’s Act respecting the protection of personal information in the private sector and Canada’s Personal Information Protection and Electronic Documents Act.

It applies to all personal information we collect in the course of our activities: the hypotheques.ca website, the outils.hypotheques.ca tools site, our secure client portal, our online appointment platform, emails, text messages, phone calls, in-person or video meetings, and through our brokers and assistants.

WHAT DOES THIS PRIVACY POLICY COVER?

1. Person in charge of the protection of personal information
2. Information we collect
3. Consent
4. How we use your information
5. Disclosure of your information
6. Transfers outside Quebec
7. Cookies and analytics
8. Commercial communications
9. Retention
10. Security
11. Confidentiality incidents
12. Your rights
13. Third-party sites and services
14. Updates

1. Person in Charge of the Protection of Personal Information

The person in charge of the protection of personal information at Hypotheques.ca is:

Vincent Le Saux, President
4454 Papineau Avenue, Montréal, Quebec H2H 1T8
Email:
Telephone: 514 447-3000

You may contact him with any question about this policy, to exercise your rights or to report a concern.

2. Information We Collect

We collect only the information needed for the purposes described in this policy.

On our website and online tools:

1. Information request, quote and contact forms: first and last name, email address, telephone number, language, type of project, any information you add to your message, and the page or campaign your request came from.
2. Online appointment booking: name, email, telephone number (verified by a code sent by text message), time zone and your answers to the booking form.
3. Newsletter subscription: first name, last name and email address.
4. Job applications: name, email, résumé and any information you send us.
5. Calculators and simulators: the data you enter to obtain a result; it is kept only if you choose to send us a request.

As part of a financing application, with your consent:

1. Identity and contact details: name, address, date of birth, marital status, citizenship or status in Canada, social insurance number, identity documents (driver’s licence, passport), number of dependants.
2. Financial situation: employment, employer, income, assets, liabilities, bank statements, tax returns, notices of assessment, information about the property concerned.
3. Credit history: credit report obtained from a credit reporting agency (Equifax or TransUnion) with your written authorization.
4. Transaction documents: promise to purchase, appraisal, insurance, correspondence with the lender and the notary.

Technical information: like most websites, we may collect your IP address, device and browser type, operating system, date and time of the visit and pages viewed.

If you provide us with information about another person (co-borrower, spouse, guarantor), you must first have obtained that person’s consent.

3. Consent

We collect your personal information with your consent, except where the law allows or requires us to do so without it. Consent is requested at the time of collection, in particular when you sign the firm’s consent form authorizing the credit check and the disclosure of your file to lenders.

If we wish to use your information for a new purpose, we will ask for your consent again.

You may withdraw your consent at any time by contacting the person in charge of the protection of personal information. Withdrawal is not retroactive and may prevent us from continuing to process your file.

Use of artificial intelligence: by entrusting us with your file, you agree that we may use artificial intelligence tools to assist the broker in their work (document classification, extraction and verification of information, file analysis). These tools do not train or enrich any model with your information, do not retain it beyond processing and make no decision about you: every analysis is reviewed and validated by a broker.

4. How We Use Your Information

We use your personal information to:

1. Analyze your situation, prepare your mortgage application and present it to lenders likely to approve it.
2. Communicate with you about your request, your file and your appointments, including by email and text message.
3. Meet our legal and regulatory obligations, including those imposed by the Autorité des marchés financiers and anti-money-laundering legislation.
4. Prevent fraud and identity theft.
5. Inform you about our services and topics that may interest you, if you have consented.
6. Improve our services, website and tools.

We do not use your information to promote third-party products or services, nor for targeted advertising on third-party sites. We do not sell your personal information.

Some steps in the analysis of a file may be assisted by automated tools, including artificial intelligence tools, to extract and verify information from the documents you provide. No decision affecting you is made exclusively by automated processing: a broker reviews and validates every file. You may ask us for details about these tools.

5. Disclosure of Your Information

We disclose your information only to the people and organizations that need it for the purposes described above:

1. The mortgage lenders and mortgage default insurers to which your application is submitted, with your consent.
2. Credit reporting agencies, with your authorization.
3. Professionals involved in your transaction, strictly as needed: the notary receives loan information directly from the lender; the appraiser receives only the address of the property to be appraised.
4. The service providers that process information on our behalf, listed below.
5. Public authorities where required by law (court order, investigation by the AMF or another authorized body).

Our providers are contractually required to protect your information, to use it only for the agreed purposes, to notify us of any confidentiality incident and to destroy or return it at the end of their mandate.

• Initio (operated by G-Network) for the management of your request and your file, the secure client portal, appointment booking and email and text message delivery – Privacy Policy
• Finastra (Filogix) for the preparation and submission of your mortgage application to lenders – Privacy Policy
• Microsoft 365 for email, calendar, Teams video meetings and storage of working documents – Privacy Policy
• Calendly for online appointment booking (being replaced by Initio) – Privacy Policy
• Google Analytics for anonymized website traffic statistics – Privacy Policy

In the event of a reorganization, merger or sale of our business, your information may be disclosed to the acquirer, who will be bound by this policy.

6. Transfers Outside Quebec

Your information is hosted mainly in Canada. Some of our providers may nevertheless store or process information outside Quebec, including elsewhere in Canada or in the United States. Before entrusting information to a provider located outside Quebec, we assess the privacy risks and ensure by contract that the information receives adequate protection.

7. Cookies and Analytics

Our site uses cookies and similar technologies. Cookies strictly necessary for the site to work are always active. Preference, statistics and marketing cookies are off by default and are set only with your consent, which you may give, refuse or change at any time through the “Manage cookie consent” banner.

We use Google Analytics to understand how our site is used. The data is anonymized and does not allow us to identify you. You may also prevent collection by installing the Google Analytics opt-out add-on.

8. Commercial Communications

In accordance with Canada’s Anti-Spam Legislation, we send commercial emails or text messages only to people who have consented or with whom we have an existing business relationship. Every message includes an unsubscribe link. You may also unsubscribe by writing to . We will continue to send you the communications needed to manage your file.

9. Retention

We keep your information as long as necessary for the purposes for which it was collected and to meet our legal obligations. Client files are kept for at least five years after the end of the business relationship, as required by the regulations applicable to mortgage brokerage firms. Information from requests that do not lead to the opening of a file is kept for no more than two years. At the end of the retention period, information is securely destroyed or anonymized.

10. Security

We apply physical, organizational and technological safeguards proportionate to the sensitivity of the information: encryption of communications and hosted data, two-factor authentication, need-to-know access controls, access logging, staff training and confidentiality agreements with our providers. Documents for your file should be sent to us through the secure client portal rather than by email.

No system is infallible. If you believe the security of your information has been compromised, contact us without delay.

11. Confidentiality Incidents

If a confidentiality incident (unauthorized access, use or disclosure, or loss of information) presents a risk of serious injury to you, we will notify the Commission d’accès à l’information du Québec and inform you, and we will take the measures needed to limit the consequences. We keep a register of all confidentiality incidents.

12. Your Rights

By writing to the person in charge of the protection of personal information, you may:

1. Access the personal information we hold about you.
2. Have inaccurate, incomplete or ambiguous information corrected.
3. Withdraw your consent to the use or disclosure of your information.
4. Obtain your computerized information in a structured, commonly used technological format, or ask that it be transferred to another organization (data portability).
5. Request that information cease to be disseminated or be de-indexed where the law allows.
6. Be informed of a decision based exclusively on automated processing and submit your observations.

We may ask you to confirm your identity before processing your request. We respond in writing within 30 days of receiving it. If we refuse in whole or in part, we explain the reasons and the remedies available to you.

If you are not satisfied with our response, you may file a complaint with the Commission d’accès à l’information du Québec or, for activities subject to federal law, with the Office of the Privacy Commissioner of Canada.

13. Third-Party Sites and Services

Our site contains links to third-party sites (lenders, organizations, tools). This policy does not apply to those sites. We encourage you to read their own privacy policies.

14. Updates

We may amend this policy to reflect changes in our practices or in the law. The current version is published on this page with its update date. Significant changes will be announced on our site or by email to active clients.

Complaint Handling

This summary of our complaint handling and dispute resolution policy is published in accordance with the Autorité des marchés financiers’ Regulation respecting complaint processing and dispute resolution in the financial sector, in force since July 1, 2025. The full policy is available on request.

What Is a Complaint?

A complaint is an expression of dissatisfaction or a reproach regarding a service or product offered by Hypotheques.ca or one of its brokers, for which you expect a response or a solution from us. A simple request for information or for the correction of an administrative error is not a complaint, but we handle it with the same care.

Complaints Officer

Vincent Le Saux, President
Hypotheques.ca, 4454 Papineau Avenue, Montréal, Quebec H2H 1T8
Telephone: 514 447-3000
Email:

In his absence, Thibaut Coquel, Associate Broker, handles complaints.

How to File a Complaint

You may send us your complaint by email, by mail or by telephone using the contact details above. We encourage you to put it in writing whenever possible, stating your name, contact details, the broker concerned, the facts at issue and the solution you are seeking. If you have difficulty writing it down, we will help you.

For confidentiality reasons, we communicate only with you or with the person you have expressly authorized in writing to act on your behalf.

Processing Steps

1. Acknowledgement of receipt: we confirm receipt of your complaint in writing within 10 days of its entry in our complaints register. The acknowledgement states your file number, the name of the person handling it and a link to this summary.
2. Analysis: we review the facts, documents and exchanges related to your file and may ask you for clarifications or additional documents. We keep you informed of progress.
3. Final response: we send you a written, reasoned response within 60 days of receiving your complaint. If exceptional circumstances prevent us from meeting this deadline, we inform you in writing of the reasons and the new expected date, no later than 90 days after receipt.
4. Settlement offer: if we propose a solution, you have a reasonable period to accept or refuse it, so that you can seek advice if needed.

Simplified process: when a complaint can be resolved to your satisfaction within 20 days of receipt, the final response serves as the acknowledgement of receipt.

If You Are Not Satisfied with Our Response

If the final response does not satisfy you, or if the processing period has expired without a response, you may ask that your complaint file be transferred to the Autorité des marchés financiers. We send the complete file to the AMF within 15 days of your request. The AMF reviews the complaint and may offer conciliation or mediation services.

Autorité des marchés financiers
Information Centre: 1 877 525-0337
Filing a complaint with the AMF

Using our complaint process or the AMF’s does not deprive you of any other remedy provided by law.

Complaints Register

We keep a register of all complaints received, including for each one the complaint, supporting documents, analysis and final response. This register is kept in accordance with our regulatory obligations and may be reviewed by the AMF.

Quebec registration: Autorité des marchés financiers
Click here to verify the registration