PRIVACY POLICY

 

Effective Date: February 28, 2026

 

1. Introduction

 

This Privacy Policy describes how Albert James Pinske (James Pinske), Submortgage Broker, License #MB611574, operating under Breezeful Inc., Brokerage License #MB601942, collects, uses, discloses, and safeguards personal information through www.SouthIslandMortgages.ca.

 

SouthIslandMortgages.ca is a marketing website used by Albert James Pinske. It is not a registered trade name.

 

This Policy is intended to comply with:

    •    British Columbia’s Personal Information Protection Act (PIPA)

    •    Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA)

    •    Canada’s Anti-Spam Legislation (CASL)

 

2. Privacy Officer

 

Albert James Pinske serves as Privacy Officer.

 

Contact:

Email: James.Pinske@SouthIslandMortgages.ca

Phone: 250-888-7171

 

3. Information Collected Through This Website

 

A. Information Collected Before Application Stage

 

Through the “Let’s Connect” and “Start Application” forms, the following may be collected:

    •    First name

    •    Email address

    •    Phone number

    •    Marketing consent selection

    •    Comments voluntarily submitted

 

This information is used to respond to inquiries and provide requested services.

 

B. Information Collected Through Breezeful Application Portal

 

If a user proceeds to the Breezeful Inc. application portal, additional personal and financial information may be collected, including:

    •    Full legal name

    •    Address

    •    Employment and income details

    •    Property information

    •    Credit score

    •    Social Insurance Number

    •    Supporting documents (e.g., tax returns, income documentation)

    •    Information relating to co-applicants

 

Collection, processing, and storage of information within the Breezeful portal is governed by:

    •    https://breezeful.com/privacy-policy

    •    https://breezeful.com/terms-of-service

 

Users are encouraged to review those policies.

 

4. Purpose of Collection

 

Personal information is collected for the following purposes:

    •    Responding to inquiries

    •    Providing mortgage consultation services

    •    Facilitating mortgage applications

    •    Conducting credit checks (through brokerage systems with consent)

    •    Maintaining regulatory records

    •    Sending marketing communications (only with consent)

    •    Complying with legal and regulatory requirements

 

Information is not sold to third parties.

 

5. Marketing Communications & Consent (CASL)

 

Marketing emails or rate updates are sent only where:

    •    The individual has provided explicit consent; or

    •    Implied consent exists in connection with an inquiry or existing business relationship, as permitted under CASL.

 

Individuals may unsubscribe at any time using the unsubscribe link or by contacting the Privacy Officer.

 

Email lists are never purchased.

 

6. Use of Third-Party Service Providers

 

The website and business operations may involve the use of third-party service providers, including:

    •    Wix (website hosting and infrastructure)

    •    FormsFlow (form design, hosting, and data processing services)

    •    HubSpot (CRM)

    •    Google Workspace (email services)

    •    Zoho Mail (brokerage email account)

    •    UptimeRobot (system monitoring)

    •    Google Analytics (website analytics)

    •    Breezeful Inc. (mortgage application portal and brokerage systems)

 

These providers may store or process data in Canada, the United States, or other jurisdictions.

 

By using this website, users acknowledge that personal information may be transferred outside British Columbia and Canada where permitted by law.

 

7. Cookies & Analytics

 

This website uses cookies for:

    •    Essential site functionality

    •    Analytics (Google Analytics)

    •    Website performance monitoring

 

Cookies may collect anonymized technical data such as IP address, browser type, device type, and pages visited.

 

Users may adjust browser settings to decline cookies; however, some functionality may be affected.

 

8. Data Retention

 

Personal information is retained in accordance with regulatory requirements, including BCFSA record-keeping obligations.

 

Records may be retained for a minimum of seven (7) years or longer where required by law or brokerage policy.

 

Where legally permitted, individuals may request access to or correction of their personal information.

 

9. Security Safeguards

 

Reasonable security measures are used to protect personal information, including:

    •    SSL encryption on the website

    •    Secure CRM systems

    •    Password-protected devices

    •    Secure storage of physical backup drives

    •    Remote wipe capability for business devices

 

However, no system can guarantee absolute security.

 

10. Information About Co-Applicants

 

Where one applicant provides information about another individual (e.g., spouse or co-borrower), the individual providing the information represents that they have authority to do so. The additional party will later be invited to provide their own consent within the application process.

 

11. Children

 

This website is not directed to individuals under 18 years of age, and personal information from minors is not knowingly collected.

 

12. Changes to This Policy

 

This Privacy Policy may be updated from time to time. The effective date will be revised accordingly.