Privacy Policy
Effective Date: November 18, 2025
At Build With SK, we value the privacy of our clients and are committed to protecting the personal information you share with us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
1. Information We Collect
We collect personal information that is necessary for providing mortgage brokerage services, including but not limited to:
• Name, email address, phone number
• Home address, employment details, and income information
• Assets, debts, and financial documentation
• Credit bureau information
• Mortgage details, purchase contracts, and rental information
This information is collected to assist with mortgage pre-qualification, applications, and approvals, and to provide customer support.
2. How We Collect Your Information
We collect personal information in several ways:
• Directly from you through email, phone conversations, or secure online forms
• Via our secure mortgage application software, which uses bank-grade security
• Through our CRM system to manage your data for marketing, support, and other services.
We also use credit bureau services to collect financial data, and your explicit consent is required to share this information with lenders.
3. Use of Personal Information
Your personal information is used for the following purposes:
• Processing mortgage pre-qualifications and applications
• Communicating with you regarding your mortgage application or inquiry
• Providing customer support and maintaining our relationship with you
• Marketing, including newsletters and promotional offers (with opt-out options)
• Tracking interactions on our website and landing pages via Facebook Pixel or other tracking technologies
We may share your personal information with lenders and credit bureaus for mortgage processing purposes. Your consent is always obtained prior to sharing this information.
4. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes for which it was collected. Unqualified leads may be placed into our marketing drip campaigns, where you can receive automated messages or updates unless you opt out.
You can request the deletion of your personal information at any time by contacting us directly.
5. Data Security
We implement robust security measures to protect your personal information, including:
• Bank-grade security for online mortgage applications
• Two-factor authentication and access controls for our systems
• Regular reviews and updates to our security practices
All personal information is stored locally, in the cloud, in our CRM system, or in mortgage-specific software. We ensure that any third-party service providers comply with Canadian privacy laws and provide appropriate safeguards for your data.
6. Data Sharing with Third Parties
We do not sell your personal information. We may share it with third parties, such as:
Some of our third-party service providers are based in the U.S., but we ensure that all cross-border data transfers comply with Canadian privacy laws.
• Lenders and credit bureaus for mortgage processing
• Our CRM system for managing customer relationships and marketing purposes
• Facebook and other advertising platforms for ad targeting, Custom Audiences, or tracking (only with your consent)
Some of our third-party service providers are based in the U.S., but we ensure that all cross-border data transfers comply with Canadian privacy laws.
7. Marketing & Advertising
We may use your personal information to send you marketing communications about our services, including mortgage updates, promotions, and newsletters. You can opt out of these communications at any time by clicking the “Unsubscribe” link in emails or replying “STOP” to SMS messages.
If you interact with our Facebook ads, we may use Facebook Pixel to track your website activity and improve our targeting. Any data used for lookalike or Custom Audiences is uploaded securely and only with your prior consent.
8. Safeguards Against Collecting Children’s Data
We do not knowingly collect personal information from individuals under the age of 18. As part of our mortgage application process, we verify the identity of our clients, including confirming their date of birth, to ensure compliance with Canadian law.
9. Your Rights to Access & Control Your Data
You have the right to:
• Access the personal information we hold about you
• Correct or update your personal information
• Request deletion of your data from our systems and third-party platforms
If you wish to exercise any of these rights, please contact us at [email protected]. We will respond to your request in a timely manner.
10. Data Breach Notification
In the event of a data breach, we will notify affected individuals via email, explaining the nature of the breach, the steps we are taking to address it, and any actions you may need to take.
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on our website, and the effective date of the updated policy will be indicated at the top of this page.
12. Contact Us
If you have any questions or concerns about this Privacy Policy or how we handle your personal information, please contact us:
Build With SK
Suite 2500 - 1 Dundas Street West, GTA | Toronto Ontario M5G 1Z3
(647) 691-9919
We had an excellent experience working with SK as our mortgage broker. From the very beginning, he was incredibly efficient and took the time to clearly explain all the mortgage details and their implications. His advice was thoughtful and thorough, and he supported us throughout every step of the process. What truly stood out was SK availability, no matter the time of day or even on weekends, he was always there to answer our questions and offer guidance. He went above and beyond to secure the best rate on the market for us. Even though we may not have been the easiest clients, SK remained patient, professional, and supportive throughout. His dedication, responsiveness, and expertise made a stressful process feel much more manageable. We are very grateful for his help and would highly recommend him to anyone looking for a top-notch mortgage broker.
Build With SK is a Lifesaver! I honestly can’t thank SK enough. He got me out of a really bad financial commitment that I had signed and was stuck in—a situation where I owed money and felt completely trapped. Sahib stepped in, untangled the mess, and not only freed me from that obligation but also secured me a brand new mortgage at a much better rate, saving me a significant amount of money. His professionalism, knowledge, and calm under pressure were exactly what I needed. He handled everything with clarity and confidence, explaining each step and making sure I felt supported the entire way. What seemed impossible became completely manageable thanks to him. If you’re dealing with a complicated situation or just want someone who will fight for the best outcome for you, look no further. SK is truly exceptional at what he does—and I’m beyond grateful for his help.
We are beyond grateful to have had SK as our mortgage broker. From the very beginning of our home-buying journey, he showed an exceptional level of professionalism, kindness, and dedication that made all the difference in what can often be a stressful process. SK took the time to truly understand our financial goals and walked us through every step from exploring the best mortgage options, to securing a great rate, to ensuring a smooth closing. What stood out most was his patience, responsiveness, and genuine care. He answered every question (no matter how small), explained the process in clear and simple terms, and never made us feel rushed or pressured. When a few unexpected hurdles came up, SK handled them calmly and efficiently, always providing thoughtful guidance and practical solutions. It’s rare to meet someone who is not only incredibly knowledgeable but also so kind and supportive. He was a steady hand through the entire experience and made sure we always felt informed and confident in our decisions. Thanks to SK, we are now proud and happy homeowners. We can’t recommend him highly enough to anyone looking for a mortgage broker who is trustworthy, experienced, and genuinely committed to helping you succeed. Thank you SK for everything.
©BRX Mortgage Inc. #13463
Build with SK is operated by SK, a licensed Mortgage Agent Level 2
Privacy Policy
