Privacy Policy

This Privacy Policy describes how 13740439 Canada Inc., doing business as Bashar Khadra Mortgage ("we," "us," or "our"), collects, uses, discloses, and protects the personal information of individuals who visit our website, contact us, or use our mortgage brokerage services.

By using our website or submitting your information through our contact form, you consent to the practices described in this Privacy Policy.

1. Who We Are

Business Name: 13740439 Canada Inc. (DBA: Bashar Khadra Mortgage)
Mortgage Broker: Bashar Khadra
Address: 99 Bank Street, La Rose Office – Ground Floor, Ottawa, Ontario K1P 5A3
Phone: (613) 617-2055
Email:

Bashar Khadra is a licensed mortgage broker regulated by the Financial Services Regulatory Authority of Ontario (FSRA).

2. Information We Collect

We may collect the following types of personal information:

Full name, email address, phone number, and mailing address
Financial and mortgage-related information you provide during consultations
Information submitted through our website contact form
Communication preferences, including SMS and phone call consent
Browser and device information collected automatically when you visit our website (e.g., IP address, browser type, pages visited)

3. How We Use Your Information

We use your personal information to:

Respond to your inquiries and provide mortgage brokerage services
Send appointment reminders, follow-up communications, and service updates
Send mortgage rate updates and promotional information (with your consent)
Send SMS text messages and phone calls if you have provided explicit consent
Comply with legal and regulatory obligations under Ontario and federal law
Improve our website and services

4. SMS / Text Message Communications

If you have opted in to receive SMS messages from us, we will send you appointment reminders, follow-up messages, mortgage rate updates, and promotional information. Message frequency may vary. Message and data rates may apply. You may opt out at any time by replying STOP to any message we send. For help, reply HELP. Consent to receive SMS messages is not required to obtain our services.

We do not sell or share your phone number or SMS consent information with third parties for their own marketing purposes.

5. How We Share Your Information

Non-Sharing Clause: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We do not sell, rent, trade, or otherwise disclose your personal information to any third party for their own marketing or promotional use. We do not buy or sell leads. We may share your information only in the following limited circumstances:

With lenders or financial institutions solely as necessary to process your mortgage application, and only with your explicit consent
With subcontractors who provide support services on our behalf (e.g., customer service, CRM platforms) under strict confidentiality obligations — these parties are not permitted to use your data for any other purpose
When required by law, court order, or regulatory authority
To protect the rights, safety, or property of our clients or business

Under no circumstances will your SMS opt-in data, phone number, or messaging consent be shared with, sold to, or transferred to any third party for marketing, promotional, or lead generation purposes.

6. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. You can control cookie settings through your browser preferences. Disabling cookies may affect certain website functionality.

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 applicable law and regulatory requirements. When information is no longer needed, it is securely deleted or anonymized.

8. Your Rights

As a resident of Canada, you have the right to:

Access the personal information we hold about you
Request correction of inaccurate or incomplete information
Withdraw your consent to certain uses of your data at any time
Request deletion of your personal information (subject to legal retention requirements)
File a complaint with the Office of the Privacy Commissioner of Canada

To exercise any of these rights, please contact us at or call (613) 617-2055.

9. Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet is completely secure.

10. Third-Party Links

Our website may contain links to third-party websites (such as our Facebook and Instagram pages). We are not responsible for the privacy practices or content of those sites. We encourage you to review their privacy policies separately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. Continued use of our website or services after any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact:

Bashar Khadra
13740439 Canada Inc. (DBA: Bashar Khadra Mortgage)
99 Bank Street, La Rose Office – Ground Floor
Ottawa, Ontario K1P 5A3
📞 (613) 617-2055
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