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Who We Are

Our website address is: https://lendcity.ca. LendCity Mortgages is a mortgage brokerage located in Windsor, Ontario, Canada.

Information We Collect

When you contact us or use our services, we may collect:

  • Personal identification information (name, email address, phone number)
  • Financial information necessary for mortgage applications
  • Property information related to your mortgage needs
  • Communication records between you and our team

Cookies

We use cookies to enhance your browsing experience. Cookies are small text files stored on your device that help us analyze website traffic and improve our services.

We may use cookies to:

  • Remember your preferences and settings
  • Analyze how you use our website
  • Improve our website functionality

You can choose to disable cookies through your browser settings, though this may affect some website functionality.

Embedded Content From Other Websites

Articles on this site may include embedded content (e.g., videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Online Calculators and Tools

Our website offers interactive financial calculators, including the CMHC Multi-Unit Mortgage Calculator. When you use these tools:

  • Contact information (name, email, phone number) is collected before you can access the calculator. This information is used to follow up with you about your mortgage needs and may be stored in our customer relationship management systems.
  • Financial and property data you enter into the calculator (such as property details, income figures, purchase price, and operating expenses) is processed to generate mortgage qualification estimates. This data is transmitted to our servers for analysis and may be retained for the purposes described in this policy.
  • Document uploads: If you choose to upload financial documents (such as appraisals, rent rolls, or operating statements), these files are stored securely using third-party cloud storage (Supabase) and processed using artificial intelligence services (OpenAI) to extract relevant financial data. Uploaded documents are retained temporarily for processing and may be deleted after analysis is complete.
  • AI-assisted analysis: Certain calculator features use artificial intelligence to extract and analyze data from uploaded documents. AI-generated results are estimates only and should not be relied upon as financial advice. The data sent to AI services is governed by the respective service provider's privacy and data handling policies.
  • CMHC benchmark data: The calculator applies publicly available CMHC regional benchmark figures based on your selected province and building type. No personal data is shared with CMHC through this process.

Calculator results are provided for informational and educational purposes only and do not constitute a mortgage approval, commitment, or financial advice.

Who We Share Your Data With

We may share your information with:

  • Lenders and financial institutions as part of your mortgage application process
  • Third-party service providers who assist in our operations
  • Legal authorities when required by law

How Long We Retain Your Data

Mortgage application data and personal information collected through our contact forms are retained in accordance with regulatory requirements and our record retention policies.

What Rights You Have Over Your Data

You can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

How We Protect Your Data

We implement appropriate security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. This includes secure data transmission, encrypted storage, and restricted access to personal information.

Contact Information

If you have any questions about this Privacy Policy, please contact us at:

LendCity Mortgages
Windsor, Ontario, Canada
Email: info@lendcity.ca
Website: https://lendcity.ca

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. You are advised to review this Privacy Policy periodically for any changes.