Maryuri Financial Privacy Policy

1. What is Personal Information?

·  Personal Information refers to any identifiable details about you collected during: ·        

• Mortgage or loan applications ·        

• Insurance requests ·        

• Pre-approvals or consultations ·        

• Service inquiries through Maryuri Financial ·

This information may be shared with or collected by: Maryuri Financial staff, brokers, agents, consultants, appraisers, lawyers, credit bureaus, real estate professionals, lending institutions, credit companies, and affiliates of Mortgage Outlet Inc.

2. Accountability

·  Maryuri Financial is responsible for protecting your personal information. ·        

We have designated a Privacy Officer to ensure compliance with all privacy laws. ·        

You may contact us with questions or concerns: ·        

• Toll-Free: 647-242-7672 ·        

• Mail: 107-85 Scarsdale Road, Toronto, ON, M3B 2R2 ·        

• Email: [email protected]

3. What Personal Information Do We Collect?

• Full name, home and email addresses, phone numbers ·        

• Employment details: occupation, salary, length of employment, employer contact info ·        

• Property information: addresses, mortgage balances, interest rates, amortization schedules ·        

• Financial and credit data (including that of spouses or guarantors) ·        

• Social Insurance Number (SIN) – optional but recommended for accurate credit reporting ·        

• Health information (if applying for life/disability insurance) ·        

• Investment details: RRSPs, insurance, savings, and other financial holdings

4. Is Providing Your SIN Mandatory?

No. Your SIN is optional. However, it helps credit agencies confirm your identity. Without it, there may be delays or errors in obtaining your credit report.

5. How Do We Use Your Information?

• Provide financial advice tailored to your situation ·        

• Recommend mortgage, loan, and insurance products ·        

• Obtain your credit report (with consent) ·        

• Submit applications to lenders, insurers, or relevant service providers ·        

• Communicate offers and services that may benefit your financial goals

6. When Do We Share Your Information?

We do not sell your personal information. ·         We may share it with trusted third parties only when necessary to deliver our services, such as: ·        

• Lenders and financial institutions ·        

• Mortgage insurers and underwriters ·        

• Real estate professionals and law firms ·        

• Credit reporting agencies (e.g., Equifax, TransUnion) ·        

• Appraisers, brokers, or affiliated partners within Maryuri Financial ·        

• Regulatory or legal authorities when required by law

7. How Long Do We Keep Your Information?

We retain your information only as long as needed to fulfill the purpose for which it was collected and comply with legal, regulatory, or business requirements. After that, your personal data is securely deleted, destroyed, or anonymized within 24 months.

8. Can You Limit How We Use Your Information?

· Yes. If you wish to restrict the way your information is used or shared: ·        

• Please contact our Privacy Officer (see Accountability section above) ·        

• Note: Some limitations may prevent us from offering certain services.

9. Accessing or Correcting Your Information

·You have the right to: ·        

• Request access to your personal information ·        

• Correct or update any inaccurate data ·        

Contact our Privacy Officer for assistance with your request. We typically respond within 30 days.

10. Who Might Access Your Information?

• Banks, credit unions, and lending institutions ·        

• Private mortgage investors ·        

• Real estate offices and professionals ·        

• Law firms and legal representatives ·        

• Equifax, TransUnion, and other credit bureaus ·        

• Appraisers, insurers, and other financial service providers ·        

• Authorized Maryuri Financial staff and affiliates

Final Note

Your trust is important to us. Maryuri Financial is committed to protecting your privacy and using your personal information responsibly, transparently, and only when necessary to support your financial success.

You can cancel the SMS service at any time. Simply text "STOP" to the short code. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you. If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected].

Carriers are not liable for delayed or undelivered messages As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.