Privacy Policy
Last updated 1 September 2026
This policy explains what personal information I collect, why I collect it, and what I do with it. "I", "me" and "my" refer to Aleksey Tsoy, Mortgage Agent Level 1, operating under Centum Financial Services Limited Partnership (Brokerage Licence #13054), Agent Licence #M20001520.
The short version: I collect only what I need to answer your enquiry and, if you choose to proceed, to arrange a mortgage for you. I do not sell your information, and I do not share it with anyone who is not part of arranging your mortgage.
What I collect
Depending on how you contact me, this may include:
- Contact details — first and last name, email address, phone number.
- Enquiry details — what you are trying to do (purchase, refinance, renewal, debt consolidation), approximate property value, approximate mortgage balance, approximate other debt, and your timeline.
- Application information — only if you decide to proceed with an application. This is collected separately, with your consent, and can include income, employment, assets, liabilities and credit information.
- Website usage data — pages visited and general activity on this site, collected through cookies and similar technologies (see below).
How I collect it
- Forms on this website.
- Lead forms on Facebook and Instagram. If you submit one of these, Meta passes me the details you entered and confirmed.
- Directly from you by phone, email, text or WhatsApp.
Why I use it
- To reply to your enquiry and give you information relevant to your situation.
- To assess mortgage options and, with your consent, submit an application to lenders on your behalf.
- To meet my obligations as a licensed mortgage agent in Ontario, including record-keeping requirements under the Mortgage Brokerages, Lenders and Administrators Act, 2006 and applicable anti-money-laundering rules.
I do not use your information for automated decision-making, and I do not use it to build advertising profiles about you.
Who I share it with
Only where it is needed to do what you have asked me to do:
- Lenders and mortgage insurers, when you have asked me to seek financing and have consented to an application.
- Centum Financial Services LP, the brokerage I am licensed under, for compliance and file review.
- Service providers that host my website, email and customer records, acting on my instructions.
- Regulators, where I am legally required to produce records.
I do not sell, rent or trade your personal information to anyone, and I do not share it with third parties for their own marketing.
All the above categories exclude text messaging originator opt-in data and consent; this information won’t be shared with any third parties.
Credit checks
I will only obtain a credit report with your express consent, and only when you have asked me to explore or submit a mortgage application. I will tell you before it happens.
Cookies and tracking
This site uses cookies and similar technologies, including the Meta Pixel, to understand how visitors find and use the site and to measure whether my advertising is working. This may allow Meta to show you ads from me on Facebook or Instagram.
You can block or delete cookies in your browser settings, and you can control how Meta uses your activity for advertising in your Facebook or Instagram ad preferences. Blocking cookies will not stop you from using this site.
How long I keep it
If you enquire and we do not proceed, I keep your enquiry for up to two years so I can pick up the conversation if you come back. If a mortgage is arranged, Ontario mortgage rules require the file to be kept for at least six years after the end of the term.
Your choices
- You can ask me what information I hold about you, and ask for a copy.
- You can ask me to correct anything that is wrong.
- You can ask me to delete your information, unless I am legally required to keep it.
- You can withdraw consent or ask me to stop contacting you at any time, and I will stop.
Email mortgagesolved@gmail.com and I will respond within 30 days.
Security
Information is held in password-protected, access-controlled systems, and this site is served over an encrypted (HTTPS) connection. No system is perfectly secure, so please do not send full account numbers, your SIN, or identity documents by ordinary email — I will give you a secure way to send anything sensitive.
Complaints
If you are not satisfied with how I have handled your information, contact me first. You can also contact the Office of the Privacy Commissioner of Canada at priv.gc.ca, or the Financial Services Regulatory Authority of Ontario (FSRA) at fsrao.ca.
Changes
If this policy changes, the updated version will be posted here with a new date at the top.