Privacy Policy
Effective Date: September 3, 2026
Aarna Wealth is committed to protecting the privacy and confidentiality of your personal information. This Privacy Policy explains how we collect, use, protect, and disclose personal information when you visit our website, contact us, or use our mortgage-related services.
Aarna Wealth operates in connection with mortgage services provided through Mortgage Intelligence. We are committed to handling personal information in accordance with applicable Canadian privacy laws.
1. Scope of This Privacy Policy
This Privacy Policy applies to personal information collected through:
Our website;
Online forms and mortgage inquiry forms;
Email, telephone, and other communications;
Mortgage consultations and applications;
Pre-qualification and mortgage-related requests;
Marketing communications and newsletters; and
Other interactions you may have with Aarna Wealth.
Personal information means information about an identifiable individual.
2. Information We May Collect
Depending on the services you request, we may collect personal information including:
Your name;
Email address;
Telephone number;
Mailing address;
Date of birth;
Employment and income information;
Financial information;
Information regarding your assets and liabilities;
Information regarding your mortgage, property, or real estate transaction;
Credit-related information, where authorized;
Information provided in mortgage applications or pre-qualification requests;
Communication preferences; and
Other information reasonably necessary to provide mortgage-related services.
We may also collect certain technical information when you visit our website, such as your IP address, browser type, device information, pages visited, and information collected through cookies or similar technologies.
We only collect personal information that is reasonably necessary for the purposes described in this Privacy Policy.
3. How We Collect Your Information
We may collect personal information directly from you when you:
Complete a form on our website;
Request a consultation;
Contact us by phone, email, or other means;
Apply for a mortgage or mortgage pre-qualification;
Provide documents or information relating to a mortgage application;
Subscribe to newsletters or marketing communications; or
Otherwise communicate or interact with us.
Depending on the services you request and with appropriate authorization, personal information may also be collected from other sources, including:
Mortgage lenders and financial institutions;
Credit bureaus and reporting agencies;
Mortgage insurers;
Employers or references;
Appraisers and other professionals involved in a mortgage transaction; and
Other parties involved in providing mortgage-related services.
4. How We Use Your Personal Information
We may use your personal information to:
Respond to your questions and requests;
Contact you regarding mortgage-related services;
Understand your mortgage financing needs;
Provide mortgage advice and recommendations;
Assist with mortgage pre-qualifications and applications;
Submit mortgage applications or requests to appropriate lenders or financial institutions;
Verify information provided by you;
Assess eligibility for mortgage products and services;
Communicate with lenders, insurers, and other parties involved in your mortgage transaction;
Maintain and manage client records;
Provide ongoing mortgage-related support;
Improve our services and website;
Comply with legal, regulatory, and professional obligations;
Protect against fraud and unauthorized activity; and
Send marketing communications where permitted by law or where you have provided the necessary consent.
We will only use your personal information for purposes that are appropriate and consistent with the reason it was collected.
5. Consent
Where required, we will obtain your consent before collecting, using, or disclosing your personal information.
Your consent may be provided verbally, in writing, electronically, or through your actions, depending on the circumstances.
You may withdraw your consent for certain uses of your personal information, subject to legal and contractual requirements. Please note that withdrawing consent may affect our ability to provide certain mortgage products or services.
6. How We Share Your Personal Information
In order to provide mortgage-related services, we may share personal information with appropriate third parties when necessary and authorized.
These parties may include:
Mortgage Intelligence and its affiliated companies;
Financial institutions and mortgage lenders;
Mortgage insurers;
Credit bureaus and reporting agencies;
Appraisers;
Lawyers and other professionals involved in a transaction;
Technology and service providers;
Regulatory authorities;
Government agencies or authorities where required by law; and
Other parties necessary to process or complete a mortgage transaction.
We may also disclose personal information where required or permitted by law.
We do not sell, rent, or trade your personal information.
We aim to limit the personal information shared to what is reasonably necessary for the applicable purpose.
7. Mortgage Intelligence and M3 Group
As a Mortgage Agent Level 2 operating under Mortgage Intelligence, certain personal information relating to mortgage inquiries, applications, and transactions may be collected, processed, stored, or otherwise handled through Mortgage Intelligence and its related systems, affiliates, service providers, and business processes.
Mortgage Intelligence is part of the M3 Group.
Mortgage Intelligence and M3 Group may have their own privacy policies, procedures, systems, and legal obligations governing the handling of personal information.
For more information regarding Mortgage Intelligence's privacy practices, please refer to the Mortgage Intelligence Privacy Policy:
https://www.mortgageintelligence.ca/en/privacy-policy/
8. Cookies and Website Technologies
Our website may use cookies and similar technologies to improve website functionality, understand how visitors use our website, and enhance the user experience.
Cookies may collect information such as:
Browser type;
Device information;
IP address;
Pages visited;
Time spent on our website; and
Other website usage information.
You may be able to control or disable cookies through your browser settings. Please note that disabling certain cookies may affect the functionality of our website.
9. Marketing Communications
With your consent, we may send you information regarding:
Mortgage products and services;
Mortgage rates;
Market updates;
Educational content;
Events;
Promotions; and
Other information that may be relevant to you.
You may unsubscribe from marketing emails at any time by using the unsubscribe link included in the communication or by contacting us directly.
Withdrawing consent for marketing communications will not necessarily affect communications that are necessary to provide you with requested services or manage an existing relationship.
10. Protecting Your Personal Information
We take reasonable administrative, technical, and physical measures to protect personal information against unauthorized access, use, disclosure, alteration, loss, or destruction.
Access to personal information is limited to individuals and service providers who require the information for legitimate business or service-related purposes.
While we take reasonable steps to protect your information, no method of transmitting or storing information electronically can be guaranteed to be completely secure.
11. How Long We Keep Your Information
We retain personal information only for as long as necessary to:
Provide requested services;
Maintain appropriate business records;
Meet legal and regulatory requirements;
Resolve disputes; and
Protect our legal rights.
Retention periods may vary depending on the nature of the information and applicable legal or regulatory requirements.
When personal information is no longer required, we will take reasonable steps to securely delete, destroy, or anonymize the information, where appropriate.
12. Your Privacy Rights
Subject to applicable laws, you may have the right to:
Request access to your personal information;
Request corrections to inaccurate or incomplete personal information;
Withdraw consent for certain uses of your personal information;
Request information about how your personal information has been used or disclosed; and
Make a complaint regarding the handling of your personal information.
Certain requests may be subject to legal, regulatory, or contractual limitations.
We may need to verify your identity before responding to a privacy-related request.
13. Third-Party Websites
Our website may contain links to third-party websites.
We are not responsible for the privacy practices, content, or security of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.
14. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our business practices, technology, legal requirements, or other relevant developments.
Any updates will be posted on this page, and the updated Privacy Policy will become effective on the date indicated above.
We encourage you to review this Privacy Policy periodically.
15. Questions, Concerns, or Privacy Requests
If you have questions, concerns, or requests regarding your personal information or this Privacy Policy, please contact us using the contact information available on our website.
For additional information regarding the privacy practices applicable to Mortgage Intelligence and M3 Group, or for other privacy-related questions or concerns, please refer to the Mortgage Intelligence Privacy Policy: