PRIVACY POLICY & TERMS OF SERVICE

Kyle Voutour Mortgages

Operating under Maventure Mortgage Co. · Brokerage #13556

FSRA License #M21001210

Phone: 226-926-7274

Email: [email protected]

Last Updated: 04/29/2026

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PART 1 — PRIVACY POLICY

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  1. OVERVIEW

Kyle Voutour Mortgages, operating under Maventure Mortgage Co. (collectively "we," "us," or "our"), is committed to protecting your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation.

This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you visit our website or engage our mortgage services.

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  1. INFORMATION WE COLLECT

We may collect the following personal information:

Contact Information Name, phone number, email address, and mailing address.

Financial Information Income, employment status, credit history, debt obligations, down payment amount, and other information necessary to assess mortgage eligibility.

Identification Information Government-issued ID for identity verification purposes as required under the Mortgage Brokerages, Lenders and Administrators Act (MBLAA).

Website Usage Information IP address, browser type, pages visited, and time spent on our website through standard web analytics tools.

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  1. HOW WE COLLECT YOUR INFORMATION

We collect personal information through:

— Web forms on this website (quote requests, contact forms) — Direct communications by phone, email, or in person — Third-party referrals — Publicly available sources where permitted by law

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  1. HOW WE USE YOUR INFORMATION

We use your personal information to:

— Assess your mortgage eligibility and present suitable options — Submit mortgage applications to lenders on your behalf — Communicate with you about your mortgage file — Comply with FSRA regulatory requirements and MBLAA obligations — Send service-related communications and updates — Send marketing communications where consent has been provided — Improve our website and services — Fulfill legal and regulatory obligations

We do not use your personal information for any purpose that a reasonable person would consider inappropriate.

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  1. DISCLOSURE OF YOUR INFORMATION

We may share your personal information with:

Lenders and Financial Institutions To submit mortgage applications and obtain approvals on your behalf. Only the information necessary for each lender's assessment is shared.

Maventure Mortgage Co. As our sponsoring brokerage, Maventure Mortgage Co. (Brokerage #13556) has access to client files as required for supervision and compliance under FSRA regulations.

Service Providers Third-party platforms that assist in delivering our services (e.g., CRM platforms, communication tools) under confidentiality agreements. These providers are prohibited from using your information for any purpose other than providing services to us.

Regulatory Authorities FSRA and other regulatory bodies where required by law or regulation.

Legal Requirements Where disclosure is required by law, court order, or to protect the rights and safety of our clients or the public.

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

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  1. CONSENT

By submitting a form on this website or engaging our mortgage services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy.

You may withdraw consent at any time by contacting us at [email protected] or 226-926-7274, subject to legal or contractual restrictions. Please note that withdrawing consent may limit our ability to provide mortgage services.

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  1. MARKETING COMMUNICATIONS (CASL)

We comply with Canada's Anti-Spam Legislation (CASL). We will only send commercial electronic messages where express or implied consent has been obtained.

You may unsubscribe from marketing communications at any time by:

— Replying STOP to any text message — Clicking the unsubscribe link in any email — Contacting us directly at [email protected]

Transactional messages related to your active mortgage file are exempt from CASL unsubscribe requirements.

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  1. DATA RETENTION

We retain personal information for as long as necessary to:

— Fulfill the purposes for which it was collected — Comply with FSRA record-keeping requirements under the MBLAA — Meet legal and regulatory obligations

Under FSRA regulations, mortgage brokerages are required to retain client records for a minimum of 6 years. After this period, information is securely destroyed.

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  1. SECURITY

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, disclosure, alteration, or destruction.

Our third-party service providers are required to maintain equivalent security standards. However, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security.

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  1. YOUR RIGHTS UNDER PIPEDA

You have the right to:

— Access the personal information we hold about you — Request correction of inaccurate or incomplete information — Withdraw consent to the use of your information — File a complaint with the Office of the Privacy Commissioner of Canada (OPC) at priv.gc.ca

To exercise any of these rights, contact us at: [email protected] · 226-926-7274

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  1. COOKIES & WEBSITE ANALYTICS

Our website may use cookies and analytics tools (such as Google Analytics) to understand how visitors use our site. This information is collected in aggregate and does not identify individual visitors.

You may disable cookies through your browser settings. Disabling cookies may affect the functionality of certain features on our website.

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  1. THIRD-PARTY LINKS

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies before providing any personal information.

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  1. CHANGES TO THIS POLICY

We may update this Privacy Policy from time to time. The "Last Updated" date at the top of this page reflects the most recent revision. Continued use of our website or services after any changes constitutes acceptance of the updated policy.

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  1. CONTACT US

For privacy-related questions, concerns, or requests:

Kyle Voutour Kyle Voutour Mortgages Operating under Maventure Mortgage Co. Phone: 226-926-7274 Email: [email protected]

You may also contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or priv.gc.ca if you believe your privacy rights have been violated.

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  1. SMS COMMUNICATIONS & OPT-IN POLICY

Kyle Voutour Mortgages may send SMS text messages to clients and prospects who have provided express written consent via our website contact form.

SMS messages may include:

— Mortgage rate information and market updates — Appointment reminders and scheduling confirmations — Follow-up on submitted mortgage inquiries — Promotional offers and general service-related communications

Consent to receive SMS messages is entirely voluntary and is not a condition of receiving mortgage services.

SMS opt-in information, including your phone number and consent record, is never sold, shared, or transferred to any third party for their own marketing purposes. This applies without exception.

Carriers are not liable for delayed or undelivered messages.

You must be 18 years of age or older to opt in to SMS communications from Kyle Voutour Mortgages.

To opt out at any time, reply STOP to any message. For help, reply HELP. Message and data rates may apply. Message frequency varies based on your inquiry status.

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PART 2 — TERMS OF SERVICE

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  1. ACCEPTANCE OF TERMS

By accessing this website or engaging the mortgage services of Kyle Voutour Mortgages, you agree to be bound by these Terms of Service. If you do not agree, please do not use this website or our services.

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  1. LICENSING & REGULATORY DISCLOSURE

Kyle Voutour is a licensed Mortgage Agent Level 2 regulated by the Financial Services Regulatory Authority of Ontario (FSRA).

FSRA License: #M21001210 Sponsoring Brokerage: Maventure Mortgage Co. Brokerage License: #13556

Kyle Voutour operates under the supervision of Maventure Mortgage Co. as required under the Mortgage Brokerages, Lenders and Administrators Act (MBLAA). Maventure Mortgage Co. carries Errors & Omissions insurance coverage.

You may verify Kyle Voutour's licence at any time at www.fsra.ca.

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  1. NATURE OF SERVICES

Kyle Voutour Mortgages provides mortgage brokering services including but not limited to:

— Mortgage pre-approvals — Home purchase mortgage applications — Mortgage refinancing — Mortgage renewals — Alternative and B-lender mortgage solutions — Construction mortgage financing

All mortgage services are subject to lender approval and are not guaranteed. Pre-approvals and rate holds are subject to the terms and conditions of individual lenders and may expire. Final mortgage approval is at the sole discretion of the lender.

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  1. COMPENSATION DISCLOSURE

In most residential mortgage transactions, Kyle Voutour is compensated by the lender upon successful mortgage funding. This compensation does not affect the rate or terms offered to you by the lender.

In certain transactions — including some alternative lending and private mortgage arrangements — a broker fee payable by the client may apply. Any such fee will be fully disclosed in writing before any application is submitted or any commitment is made.

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  1. INFORMATION ACCURACY

The information provided on this website is for general informational purposes only and does not constitute financial, legal, or mortgage advice. Rates, terms, and program details are subject to change without notice and may not reflect current lender offerings.

Mortgage calculator results are estimates only and do not represent a mortgage commitment, pre-approval, or guarantee of any rate or amount. Actual qualification amounts and rates depend on individual circumstances and lender assessment.

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  1. NO GUARANTEE OF APPROVAL

Submitting a quote request, completing a pre-approval application, or engaging Kyle Voutour Mortgages does not guarantee mortgage approval. All mortgage applications are subject to full lender underwriting, credit assessment, property appraisal, and other conditions as required by the lender.

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  1. INTELLECTUAL PROPERTY

All content on this website — including text, graphics, logos, and images — is the property of Kyle Voutour Mortgages or its content suppliers and is protected by applicable copyright and intellectual property laws.

You may not reproduce, distribute, or use any content from this website without prior written permission.

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  1. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Kyle Voutour Mortgages and Maventure Mortgage Co. shall not be liable for any indirect, incidental, special, or consequential damages arising from:

— Use of or inability to use this website — Reliance on information provided on this website — Mortgage application outcomes or lender decisions — Third-party actions or services

Our total liability for any claim arising from your use of our services shall not exceed the amount of any fee paid by you to Kyle Voutour Mortgages in connection with the specific service giving rise to the claim.

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  1. COMPLAINTS PROCESS

If you have a complaint about our services, please contact us directly first:

Kyle Voutour Phone: 226-926-7274 Email: [email protected]

If your complaint is not resolved to your satisfaction, you may escalate to:

Maventure Mortgage Co. (Principal Broker) [email protected]

Financial Services Regulatory Authority of Ontario (FSRA) 25 Sheppard Avenue West, Suite 100 Toronto, ON M2N 6S6 www.fsra.ca · 1-800-668-0128

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  1. GOVERNING LAW

These Terms of Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.

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  1. CHANGES TO TERMS

We reserve the right to modify these Terms of Service at any time. Changes are effective immediately upon posting. Continued use of this website or our services constitutes acceptance of the revised terms.

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  1. SMS PROGRAM TERMS

By opting in to SMS communications through our website, you agree to the following:

Program Description Kyle Voutour Mortgages sends SMS messages to assist clients through the mortgage process, including rate updates, appointment reminders, promotional offers, and responses to mortgage inquiries.

Opt-Out Reply STOP at any time to cancel. You will receive one confirmation message and no further SMS messages will be sent.

Help Reply HELP for assistance or contact us at 226-926-7274 or [email protected].

Message & Data Rates Standard message and data rates may apply depending on your mobile carrier and plan. Message frequency varies based on your inquiry and service stage.

Age Requirement You must be 18 years of age or older to opt in to SMS communications from Kyle Voutour Mortgages.

No Sharing SMS opt-in data and consent records are never sold, shared, or transferred to third parties for any purpose.

Carrier Disclaimer Carriers are not liable for delayed or undelivered messages.

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  1. CONTACT

Kyle Voutour Mortgages Operating under Maventure Mortgage Co. · Brokerage #13556 Phone: 226-926-7274 Email: [email protected] FSRA License #M21001210 · Verify at fsra.ca

CONTACT & AUTHORITY

Kyle Voutour - Mortgage Agent L2

FSRA License #M21001210

Maventure Mortgage Co. #13556

735 Fanshawe Park Rd W #1, London, ON N6G 5B4

© Copyright 2026. Kyle Voutour. All Rights Reserved.