1. Introduction
BC Mortgages Online is a website and trade-facing service used by Milka Lukacevic, a registered submortgage broker in British Columbia who works through TMK - Trusted Mortgage Knowledge Inc. This Privacy Policy explains how personal information may be collected, used, disclosed, and safeguarded when you visit the website, request mortgage services, or communicate with us.
Personal information connected with mortgage inquiries and applications may be handled by Milka through TMK - Trusted Mortgage Knowledge Inc. and authorized service providers in accordance with applicable privacy, brokerage, and regulatory requirements.
2. Information We Collect
We may collect the following types of personal information:
- Contact information: Name, email address, phone number, mailing address
- Financial information: Income details, employment information, credit history, assets and liabilities, down payment sources (collected during mortgage applications only)
- Property information: Property address, purchase price, property type
- Communication records: Phone call recordings, voicemail transcripts, email correspondence, website chat transcripts
- Website usage data: IP address, browser type, pages visited, time spent on site
3. How We Use Your Information
We use your personal information to:
- Process and evaluate mortgage applications
- Communicate with you about your mortgage inquiry or application
- Provide mortgage advice and recommendations
- Submit applications to lenders on your behalf
- Schedule consultations and appointments
- Send appointment reminders and follow-up communications
- Improve our services and website experience
- Comply with legal and regulatory requirements
4. Information Sharing
We may share your personal information with:
- Lenders and insurers: To process your mortgage application
- Credit bureaus: To obtain credit reports as part of your application
- Legal professionals: Lawyers and notaries involved in your transaction
- Service providers: Technology partners who help us operate our business (subject to confidentiality agreements)
- Regulatory bodies: When required by law or regulation
We do not sell your personal information to third parties.
5. Data Security
We use administrative, technical, and physical safeguards appropriate to the information and services involved. No internet transmission or storage system can be guaranteed to be completely secure.
6. Data Retention
We retain personal information for as long as necessary for the purposes outlined in this policy and for any retention period required by the brokerage, a regulator, or applicable law. The period can vary by record type and transaction.
7. Your Rights and Privacy Questions
British Columbia's Personal Information Protection Act (PIPA) applies to many private-sector organizations in the province. Subject to the law that applies and any permitted exceptions, you may:
- Request access to personal information under our control
- Ask us to correct personal information that is inaccurate or incomplete
- Withdraw consent where the collection, use, or disclosure depends on consent
- Ask how personal information has been used or disclosed
Legal, regulatory, lender, insurer, and brokerage record-retention obligations may limit a request to delete information or withdraw consent. Please contact us first so we can review and respond to a privacy request or complaint. If a concern remains unresolved and PIPA applies, you may contact the Office of the Information and Privacy Commissioner for British Columbia. Another privacy regulator may apply in some circumstances.
8. Cookies & Analytics
Our website uses cookies and similar technologies to improve your browsing experience. You can manage cookie preferences through your browser settings.
9. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us:
- Privacy contact: Privacy Contact, BC Mortgages Online
- Email: milkamortgages@gmail.com
- Phone: (604) 340-7673
- Address: 205-2571 Shaughnessy St, Port Coquitlam, BC V3C 3G3