Privacy Policy — Evergreen Capital Corp.

Last updated: May 14, 2026

Evergreen Capital Corp. ("Evergreen Capital," "we," "us," or "our") is committed to protecting the privacy and confidentiality of personal information entrusted to us by our clients, prospective clients, and visitors to our website. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

1. Definitions

In this Privacy Policy:

"Personal Information" means information about an identifiable individual, as defined by PIPEDA. This includes, but is not limited to, your name, address, telephone number, email address, date of birth, Social Insurance Number (SIN), financial information, employment history, and credit information.
"Services" refers to the mortgage brokerage and private lending services offered by Evergreen Capital Corp.

2. Information We Collect

We may collect the following types of personal information when you interact with us:

2.1 Information You Provide Directly

Full name, date of birth, and contact information (address, phone number, email)
Social Insurance Number (SIN) for credit verification purposes
Employment and income information
Financial information, including bank account details, existing debts, and assets
Property information related to mortgage applications
Government-issued identification
Credit history and credit reports (obtained with your consent)

2.2 Information Collected Automatically

IP address and browser type when visiting our website
Pages visited, time spent on pages, and navigation patterns
Cookies and similar tracking technologies (see Section 8)
Device information and operating system

3. How We Use Your Information

We collect and use personal information for the following purposes:

To assess and process mortgage and loan applications
To verify your identity and conduct credit checks (with your consent)
To communicate with you regarding your application, account, or inquiries
To comply with legal and regulatory obligations, including anti-money laundering (AML) and know-your-client (KYC) requirements
To administer and manage your mortgage or loan
To improve our services and website functionality
To send you information about our services, with your consent
To protect against fraud and unauthorized transactions

4. Consent

We obtain your consent before collecting, using, or disclosing your personal information, except where permitted or required by law. Consent may be expressed (written or verbal) or implied depending on the circumstances and the sensitivity of the information.

You may withdraw your consent at any time by contacting us, subject to legal or contractual restrictions and reasonable notice. Please note that withdrawing consent may affect our ability to provide you with certain services.

5. Disclosure of Personal Information

We may disclose your personal information to:

Lenders and Investors: To process and fund your mortgage or loan application
Credit Bureaus: To obtain credit reports and report loan performance (with your consent)
Legal and Financial Professionals: Lawyers, appraisers, and accountants involved in your transaction
Regulatory Bodies: The Financial Services Regulatory Authority of Ontario (FSRA) and other regulators as required by law
Service Providers: Third-party companies that assist us in operating our business, subject to confidentiality agreements
Law Enforcement: When required by law, subpoena, or court order

We do not sell, rent, or trade your personal information to third parties for marketing purposes.

6. Protection of Personal Information

We implement appropriate physical, organizational, and technological security measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction. These measures include:

Encryption of sensitive data during transmission and storage
Secure physical storage of paper documents
Access controls limiting employee access to personal information on a need-to-know basis
Regular security assessments and updates to our systems
Confidentiality agreements with employees and service providers

7. Retention of Personal Information

We retain personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. Mortgage-related records are typically retained for a minimum of seven (7) years following the completion of a transaction, in accordance with regulatory requirements. When personal information is no longer required, it is securely destroyed or anonymized.

8. Cookies and Website Tracking

Our website uses cookies and similar technologies to enhance your browsing experience. Cookies are small data files stored on your device. We use:

Essential Cookies: Necessary for the website to function properly
Analytics Cookies: To understand how visitors use our website and improve functionality
Preference Cookies: To remember your settings and preferences

You can manage cookie preferences through your browser settings. Disabling certain cookies may affect website functionality.

9. Your Rights Under PIPEDA

Under PIPEDA, you have the right to:

Access your personal information held by us
Request correction of inaccurate or incomplete personal information
Withdraw consent for the collection, use, or disclosure of your personal information (subject to legal restrictions)
File a complaint with the Office of the Privacy Commissioner of Canada if you believe your privacy rights have been violated

To exercise any of these rights, please contact our Privacy Officer using the information below.

10. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. The revised policy will be posted on our website with the updated effective date. We encourage you to review this policy periodically.

12. Contact Our Privacy Officer

If you have questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact:

Privacy Officer
Evergreen Capital Corp.
150 Elgin Street, Suite 1100
Ottawa, Ontario K2P 1L4
Canada

Phone: +1 (613) 555-0478
Email: info@evergreen-capital.info

If you are not satisfied with our response, you may file a complaint with the Office of the Privacy Commissioner of Canada.