Effective date: 1 September 2026 · FHA Solutions Inc · Bay St, Toronto, Canada
Thank you for choosing FHA Solutions Inc for your home financing advisory and mortgage readiness needs. This Privacy Policy explains in plain terms how we collect, use, store and protect the personal information that you share with us when you visit our website, request a consultation, attend a meeting or otherwise engage our services. Our services are developed and operated by the developer FHASolutions, and this policy describes the practices of FHA Solutions Inc, a company located at 1201-1200 Bay St, Toronto - M5R 2A5, Canada (CA).
We believe that your trust is our most valuable asset. Nothing in this policy reduces your rights under any applicable law, including the personal information protection legislation that applies across Canada. Where national law grants you greater protection than described here, that law prevails at all times. We encourage you to read this whole document at a pace that suits you and to reach out if any section feels unclear.
Please read this Policy carefully. It tells you what we do with personal information and the choices you can make about it. Consent to data handling is never a condition of receiving honest advice.
FHA Solutions Inc is a home financing advisory business providing guidance on the path to mortgage readiness and on financing products suited to first-time buyers, growing households and existing homeowners. We are registered and operating out of Toronto, Canada. Our principal office address is 1201-1200 Bay St, Toronto - M5R 2A5, Canada (CA).
You may contact us about anything in this policy by email at reach@fhasolutions.hair or by telephone at +12176051910. We answer enquiries about privacy during ordinary business hours and will direct your request to the most appropriate member of our small, responsible team.
This Privacy Policy applies whenever you interact with us across the ordinary channels we use to serve clients. That includes our public website, emails exchanged with our advisors, telephone calls, written questionnaires and any in-person or remote consultation concerning your household finances.
The policy does not cover the practices of banks, credit unions, mortgage brokers outside our team, insurance providers or any other organisation that acts independently. When we help you apply to a lender, that lender will set out its own privacy commitments and we encourage you to read them. Our role is to clarify, not to stand in for, the privacy practices of every institution in your financing chain.
We collect only the information that is genuinely useful to offer responsible financing guidance. The nature of what we ask depends on where you are in the journey, from an early website enquiry to a full application file.
The categories we may collect include identity details such as your full name and preferred forms of address; contact details including a postal address, an email address and a phone number; household details such as the size of your family and the reasons behind your purchase or refinance goals; and records of our conversations, notes, appointment preferences and feedback. When you use our website we also collect limited technical data such as your browser type, the pages you view and the approximate time you visited, in a form that is rarely tied to your identity on its own.
We deliberately avoid gathering information that serves no purpose in our work. We do not seek out details about your political views, your religion or your ethnic origin simply because your file passes through our hands. Where such a detail arises naturally in conversation, for instance because a financing program has a relevant eligibility condition, we handle it with the same care we give the most sensitive financial figures and never use it beyond its stated reason. Our instinct is always to ask for less rather than more, and we design our forms with that restraint in mind.
Because our work concerns mortgages, some details you share are naturally sensitive. These may include approximate income, existing debts, savings balances, credit-related notes and the answers you give about your financial position during an advisory meeting.
We treat this material with particular care. Financial planning details are gathered only to the extent necessary to advise you, are described in this policy, and are not used for any purpose you have not been told about. Where the law treats financial background or any other category as requiring a higher standard, we seek that higher standard of care and, where required, your specific acknowledgement before we handle the details in question.
We develop our content and services for adults who make their own financing decisions. We do not knowingly collect personal information from children, and our services are not structured to attract young visitors.
If a parent or guardian believes that a child has passed us personal information by mistake, we ask them to write to reach@fhasolutions.hair so that we can remove the details we hold as quickly as possible. We support responsible digital habits and encourage families to guide younger members about what should not be shared online.
We use the information we collect for a clear and limited set of reasons. We use your contact details to respond to your enquiries, to schedule consultations and to send you the notes and documents that support your plan. We use your financial background to assess, together with you, the realistic shape of a mortgage application and to advise on readiness steps.
We may also use information to improve the quality of our website and advice, to meet our legal and accounting obligations, to protect against fraud and to defend our rights where a dispute arises. Where we send you a general update about our services, we do so only with permission where the law requires it and always make it simple for you to ask us to stop.
One further and important use is record keeping for continuity. If you return to us months or years later for a renewal or for a next purchase, having a careful note of earlier decisions lets us advise with a consistent memory rather than asking you to repeat your whole history. These continuity notes are never shared beyond the advisory purpose that brought them into being and are kept to the minimum needed to serve you well.
Whenever we handle personal information we rely on an appropriate and lawful reason to do so. For most of our work that reason is consent, freely given when you share details with us for the purpose of receiving advice. We also process information where it is necessary to take reasonable steps at your request before entering a service arrangement, or to perform the arrangement itself where one exists.
Separately, we rely on legitimate interests where handling information is clearly in everyone favor and unlikely to cause you harm, such as keeping the website secure or answering a direct query. Where a legal obligation such as tax record keeping applies, we comply with that obligation as the governing basis. We make every effort to explain which basis applies when a choice is yours to make.
To provide a smooth experience we sometimes rely on reputable third party services. These include secure email systems, online calendar tools, document management platforms and the infrastructure that keeps our website fast and dependable.
Each third party operates under its own privacy policy and holds data in line with its own commitments. Before we engage any supplier that may touch personal information we review its security and privacy posture. We choose partners with care, limit what they can do with our data and review the relationship regularly. This policy does not replace the terms of any provider you choose to open a link or account with directly.
We treat the protection of your information as a serious operational duty, not a checklist. We apply physical and written safeguards appropriate to the sensitivity of the material, use up-to-date protection for the systems we control and limit access to personal information to the people who need it to do their work.
Our team is trained to handle documents with care and to recognise attempts to obtain information dishonestly. We review our practices on a routine basis and correct weaknesses as they are found. No method of storing or sending data is perfectly secure, and while we work hard to protect your information we cannot promise absolute safety against an unlikely, external attack.
We keep personal information only for as long as there is a genuine reason to keep it. Your basic contact details remain with us while we may still be helping you or answering a question you have asked. Your financial planning notes are kept while we act together on a plan and for a reasonable time afterwards so that we can refer back to earlier decisions consistently.
Where the law requires us to keep records for tax or accounting purposes, we meet that requirement and no more. When information has served its purpose we delete it or make it unreadable beyond practical recovery. We never hold material merely in case it becomes useful one day.
You hold meaningful rights over the information we have about you. You may at any time ask to see what personal information we hold, ask us to correct anything that is inaccurate or out of date, and ask us to remove information where we no longer have a good reason to keep it.
You may also ask us to limit how we use your details, to provide a copy of the material we hold in a portable form, and to withdraw a consent you have previously given. If you withdraw consent, we will stop the relevant handling and explain any consequence, such as the effect on a live application. To exercise any right, simply contact us through the details at the end of this policy. We aim to answer every request promptly and within the time required by law.
No right is ever exercised at a cost to the quality or honesty of our advice. You can choose to share nothing beyond what is needed, decline a marketing update without losing any service, and ask detailed questions about a file without being made to feel unreasonable. Consent is meaningful only when it can be withdrawn without blame, and that is the standard we try to hold in every interaction.
FHA Solutions Inc operates from Canada, and the personal information we control is generally held within Canadian borders. Where a reliable supplier stores data in another country, or where a delivery needs to reach a contact outside Canada, your information may cross an international boundary.
We only allow such a transfer where the destination offers a level of protection that we consider adequate for the material involved and where the arrangement follows any legal requirement that applies. Wherever your information travels, we keep responsibility for it and will honour the choices described in this policy.
We review this Privacy Policy regularly and update it when our practices, the services we offer or the law changes. When a revision is meaningful we will reflect the new effective date at the top of this page and, where appropriate, draw your attention to the change during our next contact with you.
Older versions of the policy may be made available on request. Your continued use of our website and services after an update takes effect is understood as awareness of the new text, and we encourage you to revisit this page whenever you share something new with us.
If you have a question about this policy, about the information we hold, or about any of the rights described above, we would welcome a note. Speak to the privacy contact at FHA Solutions Inc, reachable by email at reach@fhasolutions.hair or by telephone at +12176051910. Our postal address is 1201-1200 Bay St, Toronto - M5R 2A5, Canada (CA).
We will confirm that the matter has landed with the right person and will do our best to resolve it fairly and without delay. Because privacy questions sometimes need guidance beyond one team, we will point you toward the appropriate supervisory authority in Canada if that is the correct next step. Thank you for trusting FHA Solutions Inc with the details behind your home journey.
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