Privacy Policy

1. Introduction

Ontario Reverse Mortgages (“we,” “us,” or “our”), operated by Rick Sekhon (Lic. #M08009007), a licensed mortgage broker with Real Mortgage Associates (RMA), DLCG Group of Companies, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website at reversemortgage-ontario.ca (the “Site”) or interact with us through forms, phone calls, email, WhatsApp, or advertising platforms including Meta (Facebook/Instagram).

By using this Site, you consent to the practices described in this policy. If you do not agree, please do not use this Site or submit any personal information.

2. Information We Collect

Information You Provide Directly

When you complete our quiz, download our free guide, or contact us, we may collect:

• Full name
• Email address
• Phone number
• Postal code
• Age or age range
• Estimated home value
• Reason for interest in a reverse mortgage (e.g., retirement cash flow, debt relief, aging in place)
• Any other information you voluntarily provide in messages or calls

Information Collected Automatically

When you visit the Site, we may automatically collect:

• IP address (anonymized where possible)
• Browser type and version
• Device type (desktop, mobile, tablet)
• Operating system
• Pages visited, time spent, and referral source
• Cookies and similar tracking technologies (see Section 6)

Information from Third Parties

If you interact with our advertisements on Meta platforms (Facebook, Instagram), Meta may share limited data with us such as your name, email, and ad interaction data, subject to Meta's own privacy policies and your settings on those platforms.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiry and provide personalized mortgage guidance
• Send you the free Ontario Reverse Mortgage Guide you requested
• Follow up by phone, email, SMS, or WhatsApp regarding your inquiry
• Provide mortgage brokering services, including connecting you with appropriate lenders
• Improve our Site, services, and advertising effectiveness
• Comply with legal and regulatory obligations (including FSRAO and OSFI requirements)
• Measure and optimize advertising campaigns on Meta and Google platforms

4. How We Share Your Information

We do not sell your personal information. We may share it with:

• Lenders and financial institutions — only when you authorize us to proceed with a mortgage application
• Real Mortgage Associates (RMA) / DLCG Group — as required for brokerage compliance and oversight
• Service providers — including Google Analytics, Meta (Facebook Pixel/Conversions API), Twilio (SMS), Google Sheets (secure lead tracking), and Vercel (hosting), solely to operate our Site and services
• Legal authorities — if required by law, regulation, or legal process

All service providers are contractually required to protect your data and use it only for the purposes we specify.

5. Meta (Facebook/Instagram) Advertising

We use Meta advertising products to reach potential clients. This means:

• We may use the Meta Pixel and/or Conversions API to track website events (page views, form submissions) for ad optimization
• We may create Custom Audiences based on website visitors or customer lists to serve relevant ads
• We may create Lookalike Audiences to reach people similar to our existing clients
• Data shared with Meta is subject to Meta's Privacy Policy

You can control your Meta ad preferences at facebook.com/adpreferences or opt out of interest-based ads via YourAdChoices.ca.

6. Cookies & Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences and improve your experience
• Analyze Site traffic and usage patterns (Google Analytics)
• Track advertising conversions and optimize ad delivery (Meta Pixel, Google Ads)

You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain parts of the Site.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this policy, or as required by law. Lead information is typically retained for up to 24 months unless you request earlier deletion. Mortgage application data is retained as required by FSRAO regulations.

8. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including encrypted connections (HTTPS/TLS), secure third-party services, and access controls. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

9. Your Rights

Under Canadian privacy law (PIPEDA) and Ontario regulations, you have the right to:

• Access the personal information we hold about you
• Correct any inaccurate or incomplete information
• Withdraw consent for us to use your information (subject to legal obligations)
• Request deletion of your personal information
• Opt out of marketing communications at any time

To exercise any of these rights, contact us at rick@rma-broker.ca or call 416-473-9598.

10. Third-Party Links

Our Site may contain links to third-party websites (e.g., ricksekhon.com, lender websites, government resources). We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.

11. Children's Privacy

Our services are directed to individuals aged 55 and older. We do not knowingly collect personal information from anyone under the age of 18. If we become aware that we have collected information from a minor, we will delete it promptly.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with a revised “Last updated” date. We encourage you to review this policy periodically.

13. Contact Us

If you have questions about this Privacy Policy or how we handle your personal information, please contact: