Privacy Policy

Vortex Finance is a private mortgage lender located at 2950 Rue Lucien-L’Allier, Suite 200, Laval, Quebec H7P 0H8.

The person in charge of the protection of personal information is:
Jason Lavallee, Managing Partner
Email: jason@vortexfinance.ca
Phone: (514) 998-4999
Address: 2950 Rue Lucien-L’Allier, Suite 200, Laval, Quebec H7P 0H8

For any question about this policy, or to exercise your rights, write to him directly.

This policy applies to information collected on vortexfinance.ca (forms, chat, calculators, broker portal), by phone or by email, and in the course of assessing, granting and administering a loan.

When you apply on the site: name, phone, email, estimated property value, requested amount, desired timeline, and any information you choose to share in the chat or a message.

If your file moves toward a loan: identification documents (verification required by law), the property's address and description, mortgage balances and other debts, proof of income or bank statements, the appraisal report, title information and, with your consent, your credit report.

Broker portal: the broker's name, brokerage, contact details, client reference, property information and uploaded documents. A broker who submits a file confirms they have obtained their client's consent.

Calculators: the amounts you enter are processed in your browser and are not sent to us.

Technical data: IP address, device and browser type, pages viewed. Analytics data is collected only if you accept analytics cookies (section 7).

We collect only the information needed for the purposes listed in section 5.

Directly from you; from the mortgage broker acting for you; from third parties with your consent (credit bureaus, appraisers, notaries); from public registers (the Quebec land register); and, with your consent, through cookies on our site.

• Responding to your request and communicating with you;
• assessing your eligibility and analyzing the file;
• preparing an offer, closing the loan before a notary and administering it until repayment;
• verifying your identity and meeting our legal obligations, including anti-money-laundering (FINTRAC), tax and accounting requirements;
• preventing fraud and protecting our systems;
• with your consent, measuring how the site is used so we can improve it.

We never sell your personal information, and we do not use it for other purposes without your consent, except where the law permits or requires it.

By submitting a form, message or file, you consent to your information being used for the purposes described above. Some uses require separate, express consent, such as pulling your credit report or analytics cookies.

You may withdraw your consent at any time by writing to the person in charge (section 1). Withdrawal may prevent us from continuing to assess your request, and does not apply to information the law requires us to keep.

Essential cookies: needed for the site to work (language choice, form security, remembering your cookie choice). They are always active.

Analytics cookies: Google Analytics, loaded through Google Tag Manager, helps us understand which pages are useful. These cookies are off by default and are turned on only if you click "Accept". Google Analytics 4 does not store IP addresses.

We do not use advertising cookies. If that changes, we will ask for your consent first.

You can change your choice at any time with the "Cookie settings" link at the bottom of every page, or block cookies in your browser.

Only to the extent necessary, with:

• our service providers: website hosting, email delivery, office and analytics tools;
• the parties involved in your file: notary, appraiser, credit bureaus (with your consent) and the broker who referred you, if any;
• co-lenders or investors participating in funding your loan;
• authorities, where the law requires it (for example FINTRAC or a court);
• a potential acquirer, as part of a business transaction, under a confidentiality undertaking.

Our providers are bound by contract to use your information only for the services they provide to us and to protect it adequately.

Some of our providers (hosting, email, analytics) may store or process information outside Quebec, including in the United States or the European Union. Before any such transfer, we conduct a privacy impact assessment and ensure by contract that the information receives adequate protection.

We keep your information only as long as needed for the purposes it was collected for:

• requests that do not lead to a loan: up to 3 years after the last contact;
• loan files: for the life of the loan, then for the periods required by law, including tax and anti-money-laundering rules (generally 6 years after the loan ends).

When that period ends, the information is securely destroyed or anonymized.

We apply reasonable safeguards suited to the sensitivity of the information: encrypted transmission (HTTPS), access limited to people who need it, authentication on our internal tools, and the highest privacy settings by default. Since no measure is foolproof, please do not send account numbers or social insurance numbers through the chat.

You have the right to:

• access the information we hold about you and get a copy;
• have it corrected if it is inaccurate, incomplete or ambiguous;
• withdraw your consent;
• ask that information stop being disseminated or be de-indexed, in the cases provided by law;
• receive the information you provided to us in a structured, commonly used technological format (portability);
• be informed when a decision is based exclusively on automated processing. Our credit decisions are made by a person, not in a fully automated way.

To exercise a right, write to the person in charge (section 1). We respond in writing within 30 days. Access is free; reasonable fees may apply for transcription or reproduction, and you will be told in advance.

We keep a register of confidentiality incidents. If an incident presents a risk of serious harm, we promptly notify the people affected and Quebec's Commission d’accès à l’information, and take steps to limit the consequences.

Our services are intended for adults. We do not knowingly collect information about anyone under 18.

If you believe your information was not handled in accordance with this policy, please contact the person in charge first (section 1); we will handle your complaint promptly. You may also contact Quebec's Commission d’accès à l’information.

Our site may link to third-party sites. We are not responsible for their practices; please review their own policies.

We may update this policy. The date of the last update appears at the top of the page. Any significant change will be posted here before it takes effect.