Privacy Policy

Effective date: [To be confirmed]

Who this policy covers

This Privacy Policy explains how Karan Kakkar, a Licensed Mortgage Professional operating under Atlas Mortgage Group's brokerage licence in Saskatchewan, collects, uses, discloses and protects personal information gathered through this website, in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, Canada's Anti-Spam Legislation (CASL).

Information we collect

• Contact details you provide, such as your name, email address, phone number and preferred contact method
• Information you submit through consultation, enquiry, or application forms, which may include details about your financial situation, employment, and mortgage needs
• Information exchanged if you book a consultation through our online scheduling tool
• Basic website usage information (such as pages visited), if and when analytics tools are enabled on this site

How we use your information

Personal information is collected and used only for purposes a reasonable person would consider appropriate, including to:

• Respond to your enquiry and provide mortgage-related guidance
• Prepare and submit mortgage applications on your behalf, with your consent
• Communicate with you about your consultation, application, or ongoing mortgage needs
• Meet recordkeeping and disclosure obligations under Saskatchewan's mortgage broker regulations
• Send you mortgage tips or updates by email, but only where you have separately and expressly opted in, as required by CASL

Consent

By submitting a form on this website, you consent to Karan Kakkar collecting and using your information for the purpose stated on that form. Where your information is shared with a third party (see below), your consent will be obtained first. You may withdraw consent at any time, subject to legal or contractual restrictions, by contacting Karan directly.

Sharing your information

Your personal information is not sold. It may be shared with lenders, insurers, or other parties directly involved in arranging your mortgage, but only as necessary to act on your behalf and with your consent. It may also be disclosed where required by law or by Saskatchewan's Financial and Consumer Affairs Authority (FCAA) in its regulation of mortgage brokerages.

Cookies and analytics

This website may use basic analytics tools to understand general site usage. You can control or disable cookies through your browser settings at any time.

Data retention

Personal information is retained only as long as necessary to fulfill the purposes described in this policy, or as required to meet legal and regulatory recordkeeping obligations applicable to Saskatchewan mortgage brokerages.

Safeguards

Reasonable administrative, technical and physical safeguards are used to protect your personal information against loss, theft, and unauthorized access, use, or disclosure.

Your rights

Under PIPEDA, you have the right to access the personal information we hold about you, request corrections, and ask questions about how it has been used or disclosed. To make a request, contact Karan directly using the details below.

Questions or complaints

If you have a concern about how your personal information has been handled, please contact Karan directly first. If your concern remains unresolved, you may also contact the Office of the Privacy Commissioner of Canada.

Changes to this policy

This policy may be updated from time to time to reflect changes in our practices or legal requirements. The effective date above will be updated whenever changes are made.

Contact

Karan Kakkar — Karan@atlasmortgagegroup.ca — (639) 471-7197