Operating under Dominion Lending Centres Lender Direct (Mortgage Brokerage). Each office is independently owned and operated.

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Privacy Policy

Alberta Mortgage Solution

Last Updated: December, 15 2025

Alberta Mortgage Solution (“AMS”, “we”, “us”, or “our”) respects your privacy and is committed to protecting your personal information.

This Privacy Policy explains how we collect, use, disclose, and safeguard personal information in accordance with:

  • The Personal Information Protection and Electronic Documents Act (PIPEDA)
  • The Real Estate Act (Alberta)
  • Requirements and expectations of the Real Estate Council of Alberta (RECA)

1. Our Brokerage Role 

Alberta Mortgage Solution operates under The Dominion Lending Centre – Lender Direct brokerage in Alberta.

We collect personal information solely for the purpose of providing mortgage brokerage services, which may include:

  • Assessing mortgage affordability and suitability

  • Presenting mortgage options from lenders

  • Submitting mortgage applications on your behalf

  • Communicating with lenders, insurers, and service providers as required

AMS does not act as a lender and does not provide legal or tax advice.

2. Personal Information We Collect

We may collect personal information directly from you, including:

Identification & Contact Information

  • Name

  • Email address

  • Phone number

  • Mailing address

Financial & Mortgage Information

  • Employment and income details

  • Credit history and credit bureau data (with consent)

  • Assets, liabilities, and down payment details

  • Property information

  • Mortgage goals and preferences

Website & Technical Information

  • IP address

  • Device and browser information

  • Pages visited and tools used

  • Calculator inputs and outputs

  • Cookies and tracking data

3. Purpose of Collection

Personal information is collected only for identified and reasonable purposes, including:

  • Mortgage qualification and suitability assessment

  • Matching clients with appropriate mortgage products

  • Submitting and managing mortgage applications

  • Communicating updates, conditions, and approvals

  • Meeting regulatory, compliance, and record-keeping obligations

  • Operating website tools, calculators, and AI-assisted services

4. Consent

By submitting information through our website, calculators, chatbots, forms, or communications, you consent to the collection, use, and disclosure of your personal information as described in this policy.

Consent may be:

  • Express (forms, checkboxes, written authorization), or

  • Implied when information is voluntarily provided for mortgage services

You may withdraw consent at any time, subject to legal and regulatory requirements.

5. Disclosure of Personal Information

We may disclose personal information only as necessary to:

  • Mortgage lenders and financial institutions

  • Mortgage insurers (CMHC, Sagen, Canada Guaranty)

  • Credit reporting agencies (with authorization)

  • Technology and service providers supporting brokerage operations

  • Regulatory or legal authorities where required

AMS does not sell personal information.

6. Calculators, AI Tools & Estimates (Critical RECA Alignment)

Our website may include:

  • Mortgage calculators

  • Pre-qualification tools

  • AI-assisted chat or estimate tools

All results are estimates only and:

  • Are based on information you provide

  • Do not constitute mortgage approval or a commitment

  • Are subject to lender underwriting, verification, and policy

Use of these tools does not create a broker-client relationship until direct engagement occurs.

7. Cookies & Analytics

We use cookies and similar technologies to:

  • Improve website performance

  • Understand visitor behavior

  • Support advertising and remarketing (where permitted)

You can disable cookies through your browser settings, though some features may not function correctly.

8. Safeguards

AMS uses reasonable administrative, technical, and physical safeguards to protect personal information, including:

  • Secure hosting environments

  • Restricted data access

  • Confidentiality policies

  • Secure transmission methods

No system can be guaranteed 100% secure.

9. Record Retention

Personal information is retained only as long as necessary to:

  • Provide mortgage brokerage services

  • Comply with RECA record-keeping requirements

  • Meet legal and regulatory obligations

Information is securely destroyed or anonymized when no longer required.

10. Access & Corrections

You may request access to or correction of your personal information by contacting us in writing. Identity verification may be required.

11. Minors

AMS does not knowingly collect personal information from individuals under 18 years of age.

12. Policy Updates

This Privacy Policy may be updated periodically. The most current version will always be available on our website.

13. Contact Information

Alberta Mortgage Solution
📧 Email: larry@albertamortgagesolution.ca
📞 Phone: 780-716-4166
🌐 Website: https://albertamortgagesolution.ca