Privacy Policy

1. Accountability & Legal Identity

Xeva operates under the following registered business names:

• Xeva Mortgage LLP
• Xeva Mortgage Inc.

We have designated a Privacy Officer who is accountable for our compliance with this Policy and applicable Canadian privacy legislation, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and the British Columbia Personal Information Protection Act (PIPA).

2. Information We Collect

To provide mortgage brokerage services, we may collect various types of personal information, including:

• Contact Information: Name, address, telephone number, and email address.
• Financial Information: Income, employment history, assets, liabilities, banking information, and credit history (via credit bureau reports).
• Identification Information: Government-issued identification, date of birth, and Social Insurance Number (where required for credit adjudication or by law).
• Property Information: Details related to properties being purchased, refinanced, or used as security for financing.

3. Purpose of Collection

We collect and use your personal information for the following purposes:

1. To verify your identity and meet regulatory requirements, including FINTRAC obligations.
2. To assess your eligibility for mortgage products and financing.
3. To obtain credit reports and verify financial information.
4. To submit mortgage applications to lenders and financial institutions on your behalf.
5. To communicate with you regarding your mortgage application, approval status, renewals, and related services.
6. To comply with legal, regulatory, and recordkeeping requirements.

4. Mobile Information & SMS Communications

Xeva respects your mobile privacy.

• No Sharing of Mobile Data: Customer mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

5. Disclosure to Third Parties

In the course of providing mortgage brokerage services, we may disclose your personal information to:

• Lenders and Financial Institutions for the purpose of obtaining mortgage financing.
• Credit Reporting Agencies to obtain credit reports.
• Mortgage Insurers, including CMHC, Sagen, and Canada Guaranty.
• Technology and Service Providers that assist us in processing and safeguarding information on our behalf: including Velocity, Zoho CRM, BluMortgage, Canadian Mortgage App.
• Regulatory Bodies or Government Agencies where required by law.

All third parties receiving personal information are expected to maintain appropriate privacy and confidentiality protections.

6. Safeguards and Retention

We maintain reasonable physical, administrative, and technical safeguards to protect your personal information against unauthorized access, disclosure, loss, or misuse.

Personal information will be retained only as long as necessary to fulfill the purposes for which it was collected and to meet legal and regulatory requirements.

7. Contact Us

For questions regarding this Privacy Policy or to access your personal information, please contact: