Privacy Policy

Introduction

The Taylor Team operates under Anthem Mortgage Group (FSRA Licence #10294), located at 387 Mapleview Drive West, Barrie, ON L4N 9G4. We are committed to protecting the privacy of every individual who interacts with our website at thetaylorteam.ca and our mortgage services.

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario regulations. By using our website or submitting information through any of our forms, you consent to the practices described in this policy.

Definitions

• “Personal Information” means any information about an identifiable individual, including name, email address, phone number, mailing address, financial details, employment information, and mortgage application data.
• “We,” “Us,” “Our” refers to The Taylor Team and Anthem Mortgage Group.
• “You,” “Your” refers to any individual who accesses our website or provides personal information to us.

Personal Information We Collect

We collect only the information reasonably necessary to provide mortgage consultation services. The types of information may include:

We do not collect Social Insurance Numbers (SIN), bank account numbers, or credit card information through this website.

How We Collect Your Information

• Forms you submit: Our “Start Your Mortgage Plan” and “Contact Us” forms capture the information you provide voluntarily.
• Booking a call: When you schedule a consultation through our Cal.com integration, your name, email, and selected time slot are shared with our scheduling system.
• Analytics (consent-gated): Google Analytics 4 (GA4) and Microsoft Clarity collect anonymised browsing data only after you accept the analytics consent banner.
• Direct communication: If you email or call us, any information you share in that correspondence is recorded for follow-up.

Why We Collect Your Information

Under PIPEDA Principle 2 (Identifying Purposes), we collect personal information for the following identified purposes:

1. To respond to your mortgage inquiry and provide consultation services.
2. To connect you with appropriate lender products and options.
3. To schedule and manage appointments.
4. To comply with FSRA record-keeping requirements for mortgage transactions.
5. To improve our website functionality and user experience (via anonymised analytics).
6. To send follow-up communications you have consented to.

We will not use your personal information for any purpose beyond what is identified here without first obtaining your consent.

How We Use and Share Your Information

Data submitted through our website forms is transmitted securely (HTTPS/TLS) to our client relationship management system for follow-up by our licensed mortgage agents. We do not sell, rent, or trade your personal information to third parties.

We may share your information in the following limited circumstances:

• With Anthem Mortgage Group: As employees of the brokerage, Holly and Cole Taylor share relevant client data with Anthem’s systems to process your mortgage transaction.
• With lenders: When you proceed to a formal mortgage application, your information is submitted to lenders for underwriting. This occurs only with your knowledge and written consent.
• Legal requirements: We may disclose information when required by law, regulation, or court order, or in response to a lawful request by public authorities.
• Regulatory compliance: FSRA may require access to transaction records as part of regulatory audits or investigations.

Third-Party Service Providers

We use the following third-party services to operate our website. Each processes data on our behalf under their own privacy policies:

Some of these providers may store data on servers located outside Canada (for example, in the United States). Where this occurs, your information may be subject to the laws of that jurisdiction. We take steps to ensure that all providers maintain adequate data protection practices.

Analytics & Cookies

Our website uses analytics tools (GA4 and Microsoft Clarity) that rely on cookies or similar tracking technologies. These tools are consent-gated: no tracking scripts load until you accept the analytics consent banner displayed on your first visit.

If you decline or dismiss the banner, no analytics data is collected. You may change your preference at any time by clearing your browser data and revisiting the site.

We do not use cookies for advertising, retargeting, or cross-site tracking.

Data Security

We implement administrative, technical, and physical safeguards to protect your personal information, including:

• Encryption in transit: All data submitted through our forms is transmitted over HTTPS/TLS encryption.
• Access controls: Only authorised mortgage agents and brokerage staff can access client data.
• Security headers: Our website uses Content Security Policy (CSP), Permissions-Policy, and other HTTP security headers to mitigate common web vulnerabilities.
• Input validation: All form submissions are validated server-side to prevent injection or malformed data.
• Minimal data retention: We do not store form submission data on our web server. Data is transmitted directly to our secure client management system.

While no method of electronic transmission or storage is 100% secure, we take reasonable measures consistent with industry standards to protect your information.

Data Retention

We retain your personal information only as long as necessary to fulfil the purposes for which it was collected, or as required by law:

• Active inquiries: Contact and inquiry data is retained for the duration of our consultation and any resulting mortgage transaction.
• Completed transactions: Transaction records are retained in accordance with FSRA regulatory requirements (minimum six years).
• Analytics data: GA4 data retention is set to 14 months. Microsoft Clarity session data is retained per their standard retention period.
• No-activity leads: If you submit an inquiry and do not proceed with a mortgage, we will retain your data for follow-up purposes for up to 12 months, then securely dispose of it unless you request otherwise.

Your Rights Under PIPEDA

Under PIPEDA, you have the following rights regarding your personal information:

• Right to access: You may request a copy of the personal information we hold about you.
• Right to correction: You may request that we correct inaccurate or incomplete personal information.
• Right to withdraw consent: You may withdraw your consent to the collection, use, or disclosure of your personal information at any time (subject to legal or contractual obligations).
• Right to deletion: You may request that we delete your personal information, unless we are required to retain it for regulatory compliance.
• Right to complain: If you are not satisfied with how we handle your personal information, you have the right to file a complaint with the Office of the Privacy Commissioner of Canada.

To exercise any of these rights, please contact us using the details below. We will respond to your request within 30 days.

Children’s Privacy

Our website and services are not directed at individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us and we will take steps to delete it promptly.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The “Effective Date” at the bottom of this page indicates when the policy was last revised. We encourage you to review this page periodically.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your rights under PIPEDA, please contact us: