Privacy policy
Last updated: May 19, 2026
Who we are
Vantage Mortgage is a marketing name used by Nipun Sood, a registered Submortgage Broker operating under Westmont Lending Corporation (the "Brokerage"). Westmont Lending Corporation is registered with the BC Financial Services Authority (BCFSA) as a mortgage broker in British Columbia, Canada.
This privacy policy describes how we collect, use, disclose, and protect your personal information when you visit our website (vantagemortgage.ca) or use our mortgage brokerage services, in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and British Columbia's Personal Information Protection Act (PIPA).
What information we collect
We may collect the following categories of personal information:
- Contact information: name, email address, phone number, mailing address
- Financial information: income, employment details, credit history, assets and liabilities, property information, mortgage details — collected only when you engage our brokerage services
- Website usage data: pages visited, time spent, browser type, device type, IP address — collected automatically through cookies and analytics tools
- Marketing data: ad interactions, form submissions, referral source — collected through Meta Pixel and similar tracking technologies
How we collect information
We collect information in the following ways:
- Directly from you: when you fill out our contact form, call us, email us, or provide documents as part of a mortgage application
- Automatically: through cookies, Meta Pixel, and web analytics when you browse our website
- From third parties: credit bureaus (with your consent), lenders, real estate professionals, and other sources necessary to process your mortgage application
How we use your information
We use your personal information for the following purposes:
- To respond to your inquiries and provide mortgage brokerage services
- To assess your mortgage needs and match you with appropriate lenders
- To submit mortgage applications to lenders on your behalf (with your consent)
- To communicate with you about your mortgage application or inquiry
- To comply with legal and regulatory requirements, including BCFSA and FINTRAC obligations
- To improve our website and services
- To deliver targeted advertising through Meta (Facebook/Instagram) and similar platforms
Meta Pixel and tracking technologies
Our website uses Meta Pixel, a tracking technology provided by Meta Platforms, Inc. This technology collects data about your interactions with our website and ads, including pages visited, form submissions, and phone number clicks. This data is used to:
- Measure the effectiveness of our advertising on Facebook and Instagram
- Deliver targeted ads to visitors who have interacted with our website
- Create lookalike audiences for advertising purposes
You can opt out of Meta's tracking by adjusting your ad preferences in your Facebook account settings, or by using browser-based tools such as ad blockers. For more information, visit Meta's Privacy Policy.
Cookies
Our website uses cookies — small text files stored on your device — to improve your browsing experience and for analytics purposes. You can control cookie settings through your browser preferences. Disabling cookies may affect certain features of our website.
How we share your information
We may share your personal information with:
- Westmont Lending Corporation: as the registered mortgage brokerage under which we operate
- Mortgage lenders: banks, credit unions, monoline lenders, and private lenders — only with your explicit consent and only as necessary to process your mortgage application
- Credit bureaus: to obtain credit reports with your consent
- Regulatory authorities: BCFSA, FINTRAC, and other regulatory bodies as required by law
- Service providers: website hosting, email, analytics, and advertising platforms that process data on our behalf
We do not sell your personal information to third parties.
How we protect your information
We take reasonable measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:
- Secure transmission of sensitive data (SSL/TLS encryption on our website)
- Restricted access to personal information on a need-to-know basis
- Secure storage of physical and electronic records
- Regular review of our security practices
While we take precautions, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
How long we keep your information
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. For mortgage transaction records, retention periods are determined by regulatory requirements (typically 7 years under FINTRAC regulations). Website analytics data is retained for up to 26 months.
Your rights
Under PIPEDA and PIPA, you have the right to:
- Access your personal information that we hold
- Correct any inaccurate or incomplete information
- Withdraw consent for the collection, use, or disclosure of your information (subject to legal requirements)
- Request deletion of your personal information, where permitted by law
- File a complaint with the Office of the Privacy Commissioner of Canada or the BC Office of the Information and Privacy Commissioner
To exercise any of these rights, contact us using the information below.
Children's privacy
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors.
Changes to this policy
We may update this privacy policy from time to time. Any changes will be posted on this page with an updated "last updated" date. We encourage you to review this page periodically.
Contact us
If you have questions about this privacy policy, your personal information, or wish to exercise your rights, please contact:
Nipun Sood
Submortgage Broker — Westmont Lending Corporation
103-15055 54A Ave, Surrey, BC V3S 5X7
Phone: 250-299-5000
Email: info@vantagemortgage.ca
You may also contact the Office of the Privacy Commissioner of Canada or the BC Office of the Information and Privacy Commissioner if you have concerns about how your information is handled.