Effective Date: September 29, 2026
Team Levine – Courtier Hypothécaire Montreal (“Team Levine”, “we”, “us”, or “our”) is committed to protecting the privacy and confidentiality of personal information collected through our website and during the mortgage process.
Team Levine recognizes the importance of protecting personal information and is committed to handling personal information responsibly, professionally, and in accordance with applicable privacy expectations and obligations.
Personal information provided to Team Levine is treated as confidential and handled with care, discretion, and professionalism throughout the mortgage process.
This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when individuals interact with our website, submit inquiries, request mortgage-related services, book appointments, or otherwise communicate with Team Levine.
By using this website or submitting information through our website, you consent to the practices described in this Privacy Policy.
1. Information We Collect
Team Levine only collects and shares personal information reasonably necessary to provide mortgage-related services, respond to inquiries, support the mortgage process, and fulfill applicable legal, regulatory, or professional obligations.
The information collected may include:
• Name
• Email address
• Phone number
• Property information
• Mortgage-related information
• Appointment details
• General financial or mortgage inquiry information voluntarily provided by the user
Team Levine does not request highly sensitive personal information such as Social Insurance Numbers, banking credentials, or government-issued identification through public website forms.
2. How We Use Personal Information
Personal information may be used for purposes including:
• Responding to inquiries
• Providing mortgage-related services and guidance
• Scheduling appointments and consultations
• Communicating regarding mortgage applications or requests
• Sending updates, reminders, and follow-up communications
• Providing educational, promotional, or marketing communications related to mortgage services
• Improving website functionality and user experience
• Maintaining internal business records and compliance obligations
• Protecting against fraud, unauthorized activity, or misuse of our services
By voluntarily providing contact information through this website, users consent to being contacted by Team Levine regarding mortgage-related services, inquiries, appointments, updates, and related communications. Users may unsubscribe from marketing communications at any time using the unsubscribe functionality included in applicable marketing emails.
If you provide personal information relating to another individual, including a co-borrower, spouse, guarantor, or other party connected to a mortgage transaction, you confirm that you have the appropriate consent or authority to provide that information.
Questions asked to our website assistant are answered in real time and are not stored. To help us decide which topics to write about, each conversation is summarized on the fly into an anonymous topic category and a generic question (for example, “How does a mortgage renewal work?”) with all personal details removed; only these anonymous topics and their counts are kept.
If you exchange text messages with us, we keep the content of those messages so we can follow the conversation and serve you better. Reply STOP at any time to stop receiving texts.
Our mobile app, the Team Levine app, works the same way as our website forms. The calculators run entirely on your device and send us nothing. Personal information reaches us only when you choose to submit a form in the app, such as Apply Now, Instant Pre-Approval, Renewal Reminder, or Refer-a-Friend. The information you submit (your name and contact details, and the financial details you enter) is collected and used as described in this policy, the same as if you had submitted it on our website. If you refer someone through the app, we receive the name and contact information you provide about that person; we use it only so a broker can follow up on your referral, we do not add them to any mailing list, and they can ask us to remove it at any time. Information you save inside the app, such as saved calculator scenarios, stays on your device and is not transmitted to us.
3. Communication Methods
Team Levine may communicate with users through email, telephone, text message (SMS), virtual meeting platforms, and electronic document platforms.
Certain communications may be administrative or service-related in nature and may continue where necessary to support active inquiries, applications, or ongoing client relationships.
4. Third-Party Service Providers
Team Levine may use trusted third-party service providers to support scheduling, communication, analytics, document management, operational support, and mortgage-related services.
Personal information may also be shared, where appropriate and authorized, with lenders, mortgage insurers, appraisers, notaries or legal professionals, and service providers assisting in the mortgage process.
Team Levine may request credit-related information from credit reporting agencies where authorized or required as part of the mortgage process.
Third-party providers are expected to maintain reasonable safeguards appropriate to the sensitivity of the information handled.
Team Levine does not sell personal information to unrelated third parties.
Mobile telephone numbers and text-messaging consent are not shared with third parties for marketing purposes, and are never sold or rented. If you consent to receive text messages, that consent is used only by Team Levine to contact you, and you may withdraw it at any time by replying STOP.
Personal information is treated as confidential and is only shared where reasonably necessary to support mortgage-related services, transactions, legal or regulatory obligations, or authorized parts of the mortgage process, including with parties such as lenders, mortgage insurers, notaries, appraisers, and other professionals directly involved in the transaction.
All the above categories exclude text messaging originator opt-in data and consent; this information won't be shared with any third parties.
Access to personal information is limited to authorized individuals and service providers who require the information to support mortgage-related services, operations, or compliance obligations.
Personal information is handled with care and confidentiality and is only accessed where reasonably necessary to support the mortgage process, related services, or applicable obligations.
Some of our service providers (for example email, text messaging, scheduling, electronic signature, hosting, and analytics) may store or process personal information outside Québec, including elsewhere in Canada and in the United States.
Before entrusting personal information to a service provider outside Québec, we take reasonable steps to confirm it will receive adequate protection, and we require the provider to protect it under written agreements. By submitting information through this website, you acknowledge that it may be processed outside Québec for the purposes described in this Privacy Policy.
5. Website Analytics and Cookies
Our website uses cookies, pixels, and similar technologies for two purposes: those that are strictly necessary to make the site work, and optional ones used for analytics and advertising (for example Google Analytics and, where enabled, advertising pixels).
We place optional analytics and advertising cookies only with your consent. When you first visit, you can accept or decline them through our cookie banner, and you can change or withdraw your choice at any time using the “Cookie settings” link in the website footer. Declining does not affect your ability to use the website or submit a form.
We also measure site visits using a cookieless tool that does not identify you.
6. Data Security
Team Levine takes reasonable administrative, technical, and organizational measures to help protect personal information from unauthorized access, misuse, loss, or disclosure.
We may use secure technologies and trusted service providers, including encrypted communication or document-sharing platforms where appropriate.
While Team Levine takes reasonable steps to protect personal information, no method of electronic transmission or storage can be guaranteed to be completely secure. Users should avoid transmitting highly sensitive information through unsecured email unless specifically requested through approved secure methods.
Team Levine will never request passwords or online banking login credentials by email or text message.
If you receive suspicious communications claiming to be from Team Levine, please contact us directly before responding or sharing information.
7. Data Retention
Personal information may be retained for as long as reasonably necessary to:
• Provide mortgage-related services
• Maintain business and client records
• Meet legal, regulatory, professional, lender, or compliance obligations
• Resolve disputes or enforce agreements
Retention periods may vary depending on the nature of the information and applicable requirements.
When personal information is no longer reasonably required and applicable retention obligations have been satisfied, information may be securely deleted, destroyed, or anonymized where appropriate.
8. Your Privacy Rights
The rights below apply to personal information Team Levine holds about you. To exercise any of them, contact our Privacy Officer using the details in Section 11. We will confirm your identity before acting on a request, and we will respond within the time period required by law.
8.1 Access and correction
You may ask to see the personal information we hold about you, and to have it corrected if it is inaccurate, incomplete, or ambiguous. In limited circumstances the law allows us to refuse a request in whole or in part. If that happens, we will tell you why and explain how you may challenge the decision.
8.2 Withdrawing your consent
You may withdraw your consent to our use of your personal information at any time, and withdrawing is as straightforward as giving it. You can unsubscribe from marketing emails using the link included in those messages, reply STOP to a text message, change your cookie choices using the “Cookie settings” link in the website footer, or contact our Privacy Officer directly. Withdrawal applies to optional uses of your information, such as marketing. We may still need to keep and use certain information to provide services you have asked for, or to meet our legal, regulatory, and professional obligations as a licensed brokerage. If withdrawing your consent means we can no longer provide a service, we will tell you.
8.3 Making a complaint
If you are not satisfied with how we have handled your personal information, or with our response to a request, please contact our Privacy Officer so that we can try to resolve it. If you would rather, you can also bring a complaint to us under our complaint-handling policy.
9. Third-Party Websites
This website may contain links to third-party websites or services for convenience or informational purposes.
Team Levine is not responsible for the privacy practices, content, or security of third-party websites.
Users are encouraged to review the privacy policies and terms of any external websites they visit.
10. Changes to This Privacy Policy
Team Levine may modify or update this Privacy Policy from time to time. The Effective Date shown at the top of this policy will be updated whenever we do.
Where a change is significant, we will take reasonable steps to bring it to the attention of the individuals concerned, including by posting a notice on this website or by other appropriate means. We encourage you to review this policy periodically.
11. Contact Information
Questions or concerns regarding this Privacy Policy or the handling of personal information may be directed to:
Team Levine – Courtier Hypothécaire Montreal
Attn: Privacy Officer
Steven Levine
1155 Rue Metcalfe, Suite 1582
Montreal, QC H3B 2V6
privacy@teamlevine.ca