Privacy Policy
Last updated: March 2026
1. Who We Are
Pathway Mortgage operates under Get A Better Mortgage (FSRA Licence #10874), a licensed mortgage brokerage in Ontario, Canada. In this policy, "we," "us," and "our" refer to Pathway Mortgage and Get A Better Mortgage. Our principal place of business is in Toronto, Ontario.
2. Information We Collect
We collect personal information that you voluntarily provide when you use our website, request a mortgage review, complete our contact form, subscribe to our newsletter, or communicate with us. This may include your name, email address, phone number, mailing address, mortgage details (property value, mortgage balance, rate, term, lender), employment and income details, and any documents you choose to upload (such as mortgage statements).
3. How We Use Your Information
We use your personal information to provide mortgage brokerage services (comparing rates, preparing applications, providing recommendations), respond to your inquiries and requests, send mortgage-related communications you have opted into, improve our website and services, and comply with legal and regulatory obligations under FSRA and applicable legislation.
4. How We Share Your Information
We may share your personal information with mortgage lenders (only with your consent, as part of the mortgage application process), our brokerage (Get A Better Mortgage) as required for licensing and compliance, service providers who assist with website hosting, email delivery, or analytics, and regulatory authorities when required by law. We do not sell your personal information to third parties.
5. Cookies and Analytics
Our website may use cookies and similar technologies for site functionality, analytics (such as Google Analytics), and to understand how visitors interact with our site. Google Analytics collects anonymized usage data including pages visited, time on site, and referral sources. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on. You can control cookies through your browser settings.
6. AI Chat Assistant
Our website includes an AI chat assistant (the chat bubble in the lower-right corner) that helps answer general mortgage questions. When you send a message through the chat assistant, your message is processed by Anthropic, a third-party AI provider, in order to generate a reply. Per Anthropic's API policy, your conversation content is not used to train AI models.
We retain a record of chat conversations for up to 90 days for the purposes of (1) ensuring the quality of the assistant's responses, (2) maintaining records as required by FSRA (Financial Services Regulatory Authority of Ontario) for licensed mortgage brokerages, and (3) responding to inquiries you may have about prior chat sessions. Conversations are encrypted at rest using AES-256-GCM. Your IP address is stored as a one-way hash (not the original IP) so the same visitor's sessions can be correlated for service-quality purposes without retaining the IP itself. We attempt to redact sensitive patterns (Social Insurance Numbers, credit card numbers, email addresses, phone numbers) from messages before storage, but you should not rely on this — please follow the guidance below.
After 90 days, conversation records are automatically and permanently deleted. You may request earlier deletion of your chat records under PIPEDA's right of access and correction by emailing us at info@pathwaymortgage.ca with the approximate date and time of your conversation; we will locate and delete the matching records within 30 days.
Please do not share sensitive personal information through the chat assistant — including your Social Insurance Number, full bank account or credit card numbers, or copies of identification documents. For account-specific or document-based conversations, please contact us directly at info@pathwaymortgage.ca.
7. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information, including encryption of data in transit (SSL/TLS), rate limiting on form submissions, and Content Security Policy headers. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
8. Your Rights Under PIPEDA
Under Canada's Personal Information Protection and Electronic Documents Act (PIPEDA), you have the right to access the personal information we hold about you, request correction of inaccurate information, withdraw consent for the collection or use of your information (subject to legal and contractual restrictions), and file a complaint with the Office of the Privacy Commissioner of Canada. To exercise any of these rights, contact us at info@pathwaymortgage.ca.
9. Data Retention
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. Mortgage transaction records are retained in accordance with FSRA record-keeping requirements.
10. Changes to This Policy
We may update this privacy policy from time to time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of our website after changes are posted constitutes acceptance of the updated policy.
11. Contact Us
If you have questions about this privacy policy or how we handle your personal information, contact us at:
Pathway Mortgage
Powered by Get A Better Mortgage Lic #10874
Toronto, Ontario
Email: info@pathwaymortgage.ca