At Mortgages with Kristin, operated by Kristin Cara Gasparre, I am deeply committed to protecting the privacy and confidentiality of the personal information entrusted to me. This Privacy Policy outlines how I collect, use, disclose, and safeguard your personal data across my website contact forms, digital applications, and partner platform integrations (including digital open house systems). This policy operates in strict compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and Ontario’s Financial Services Regulatory Authority (FSRA) standards.

 

 

When you utilize my website contact forms or my Virtual Mortgage Desk web form, I collect self-reported personal and financial data. This includes:

• Website Contact Forms / General Inquiries: Your full name, email address, phone number, and any specific messages or questions you submit directly through my desk's general contact forms.
  
  
• Virtual Mortgage Desk Intake Forms: Your full name, email address, mobile phone number, and self-reported financial data necessary to perform an initial, unverified mortgage assessment. This includes estimated gross household income, estimated down payment amounts, estimated monthly non-mortgage debt obligations, and self-selected credit score ranges.
  
  
• Digital Open House Guestbook Applications: Your full name, email address, phone number, and your explicit preference regarding whether you wish to be contacted by a mortgage professional.
  
  

 

I use this data strictly to:

3. Consent and Third-Party Data Sharing

By submitting your details, inquiries, or contact information across my digital systems, you grant express consent for me to review your details and contact you via phone call, text message, or email.

• Website Contact Forms / General Inquiries: Information submitted through standard general inquiry or "Contact Me" forms is used solely to respond to your specific request. Your contact details and message contents remain private and are never shared with any third party.
  
  
• The Virtual Mortgage Desk (VMD) Financial Forms: Any detailed, confidential financial information submitted through my Virtual Mortgage Desk intake forms—including your specific household income, personal debt obligations, and self-reported credit brackets—are kept strictly confidential. These deep financial details will never be shared with the hosting real estate agent unless you provide explicit permission via the consent box on my intake form. If you do not grant permission, your financial metrics remain strictly private between you and my licensed mortgage desk.
  
  
• Digital Open House Guestbook Applications: If you sign in via our integrated partner application at a physical open house, your initial registration contact details (Name, Phone, and Email) are shared directly with the hosting real estate agent as part of their visitor guestbook log. I will only contact you if you explicitly selected or requested to speak with a lender or mortgage professional within the application. 
  
  

 

I employ modern digital safeguards to protect your personal information against unauthorized access, theft, or misuse. Formal pre-approvals, secure client profiles, and official credit file pulls are conducted exclusively through the bank-grade, encrypted underwriting systems of my sponsoring brokerage, CENTUM Financial Services Limited Partnership (Brokerage #13054).

 

 

If you have any questions regarding your data, wish to update your files, or wish to have your contact details permanently removed from my intake system, please contact: