Legal

Privacy Policy & Disclosures

My Future Mortgage is committed to protecting your personal information. This page outlines our privacy practices, FSRA licensing, and required regulatory disclosures.

FSRA Licence Disclosure: My Future Mortgage Brokerage is licensed by the Financial Services Regulatory Authority of Ontario (FSRA). Principal Broker: Romel Yusuf, Licence #13576. Regulated under the Mortgage Brokerages, Lenders and Administrators Act, 2006.

Privacy Policy

My Future Mortgage collects, uses, and discloses personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable Ontario privacy legislation.

Information We Collect

We collect personal information necessary to assess your mortgage needs and connect you with appropriate lending products. This may include: name, contact details, income information, employment details, credit history, property information, and identification documents.

How We Use Your Information

Your information is used to: evaluate mortgage options, submit applications to lenders on your behalf, fulfill regulatory obligations, and communicate with you about your file. We do not sell your personal information to third parties.

Information Sharing

We share your information with lenders and financial institutions as necessary to process your mortgage application, with your express or implied consent. We may also share information with credit bureaus (Equifax, TransUnion) as required for underwriting.

Data Security

We maintain physical, electronic, and procedural safeguards to protect your personal information against unauthorized access, disclosure, or misuse.

Your Rights

You have the right to access your personal information held by us, correct inaccuracies, and withdraw consent (subject to legal or contractual restrictions). To exercise these rights, contact us at info@myfuturemortgage.ca.

Regulatory Disclosures

Compensation Disclosure

My Future Mortgage receives compensation from lenders upon successful mortgage funding. This compensation (typically 0.6–1.1% of the mortgage amount) is paid by the lender and does not affect the rate you receive. In private mortgage transactions, a brokerage fee payable by the borrower may apply — this will be disclosed in writing prior to any commitment.

Rate Disclosure

All rates displayed on this website are estimates only and are subject to change without notice. Actual rates depend on individual credit profile, lender policies, property type, amortization, and market conditions. Rate quotes are subject to full lender approval. OAC (On Approved Credit).

FSRA Verification

You may verify our licensing status at any time through the FSRA public registry at www.fsrao.ca. Licence #13576 — Romel Yusuf, Mortgage Broker.

Complaints

If you have a complaint about our services, please contact us first at info@myfuturemortgage.ca. Unresolved complaints may be directed to FSRA at fsrao.ca/complaints.

Last updated: June 2026. This page is reviewed annually and updated as required by regulatory changes.

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