Privacy Policy — Your Rate Guy
Effective date: November 15, 2026
Who we are
This policy explains how Dan Mizrahi, operating as Your Rate Guy, a mortgage broker with Choice Financial Corp., collects, uses, shares, and protects your personal information.
- Business name: Your Rate Guy
- Broker: Dan Mizrahi, mortgage broker with Choice Financial Corp.
- Address: 15 Gervais Dr Suite 310, North York, ON M3C 3S2
- Phone: (647) 241-6652
- Email: [email protected]
- Website: https://yourrateguy.ca
Dan is licensed to deal in mortgages in Ontario, Alberta, British Columbia, and Quebec.
We follow Canada's federal privacy law, the Personal Information Protection and Electronic Documents Act (PIPEDA). For people in Quebec, we also follow Quebec's Act respecting the protection of personal information in the private sector, as updated by Law 25. When we send email or text messages, we follow Canada's Anti-Spam Legislation (CASL).
What this policy covers
This policy applies to personal information we collect through:
- our website, yourrateguy.ca, including contact forms, lead forms, and the free guide sign-up
- booking calendars
- email and text (SMS) follow-up and newsletters
- mortgage applications
- related tools we use to run the business, including HighLevel (also called LeadConnector), BrokerPlus, and website analytics
It also explains what happens when you use the social media links on our site. Those platforms (such as Instagram, Facebook, YouTube, and TikTok) have their own privacy policies, which apply when you use their services.
What information we collect
We collect the information we need to respond to you, provide mortgage services, and improve our website. This can include:
Information you give us
- Contact and lead forms, including the free guide sign-up: your name, email address, phone number, the type of mortgage help you are looking for, and your province
- Booking calendars: your name, contact details, and the appointment information you provide
- Email, text, and newsletter sign-ups: the messages you send us and the contact details you use to subscribe
- Mortgage applications through BrokerPlus: the information needed to assess and submit an application. This can include identification, employment and income details, assets and debts, property information, and other financial information you provide, or that lenders or insurers provide in connection with your application
- Anything else you choose to send us by form, email, phone, or text
Information collected automatically
- Website usage and technical information, such as pages visited, how you arrived at the site, and general device or browser information
- Cookies and similar technologies used to operate the site and understand how people find and use it (see Cookies and website analytics below)
- Campaign tracking details in links we share, such as UTM tags that tell us which page, post, or platform you came from (for example, Instagram, Facebook, YouTube, or TikTok)
We do not knowingly collect personal information from children. Our services are intended for adults.
How we use your information
We use your personal information to:
- respond to questions and provide mortgage advice and brokerage services
- send a free guide or other material you requested
- book and manage appointments
- process and submit mortgage applications
- send follow-up emails or texts about your enquiry, and newsletters or market updates you have agreed to receive
- add you to our contact list so we can stay in touch, including weekly emails, where you have consented or where the law allows
- understand how people find and use our website, including which social or marketing links brought them here
- meet legal, regulatory, and professional obligations, and protect our rights
We do not sell your personal information.
Email, text messages, and consent (CASL)
When you submit a form, book a call, or otherwise ask us to contact you, you are asking us to follow up about your mortgage questions. We may email or text you for that purpose.
We also send newsletters and similar updates, including weekly emails, to people who have consented to receive them, or where CASL otherwise allows us to write to you.
Every commercial email we send includes our name, business details, and a way to unsubscribe. You can opt out of marketing emails or texts at any time by using the unsubscribe link, replying STOP or asking us to stop, or contacting us at the details below. We will honour that request.
Unsubscribing from marketing messages does not stop us from sending messages we need to send about a service you have already asked for — for example, an application in progress or an upcoming appointment — where the law allows.
Who we share your information with
We share your personal information only as needed to provide our services, run the business, or meet a legal obligation. This can include:
- Lenders and insurers, when you apply for a mortgage or related product, or when we need to explore options for you
- Credit bureaus, with your consent, when a credit check is needed as part of an application
- Service providers who help us operate, such as:
- HighLevel / LeadConnector, for our website, forms, contact list, calendars, email, and text messaging
- BrokerPlus, for mortgage applications
- Google, for Search Console and related website measurement
- Choice Financial Corp., as the brokerage through which Dan is licensed
- Professional advisors (for example, legal or compliance advisors) and authorities, if we are required or permitted by law to do so
These parties are expected to use your information only to provide their services or to fulfil the purpose for which it was shared, and to protect it appropriately.
We do not share your information with other companies for their own marketing.
Cookies and website analytics
Our website uses cookies and similar technologies to:
- make the site and forms work properly
- remember information needed during a visit
- understand how the site is used and how people find it
The tools involved include:
- HighLevel / LeadConnector, which powers the website, forms, and related features
- Google Search Console, which helps us see how the site appears in Google search
- UTM tracking in links we use on the website and on social media. UTM tags are short labels added to a web address (for example, to show that someone arrived from Instagram or Facebook). They help us see which links are working. They do not, on their own, tell us your name.
You can control cookies through your browser settings. Blocking some cookies may affect how parts of the site work, such as forms.
Social media
Our website and profiles may include links to social media, such as Instagram, Facebook, YouTube, and TikTok. If you follow those links or interact with us on those platforms, the platform's own terms and privacy policy apply. We do not control how those companies collect or use your information.
If you contact us through social media, we may use the information you share there to respond to you.
Where your information is stored
Some of our service providers are located outside Canada, including in the United States. This means your information may be stored or processed in another country and may be subject to the laws of that country, including lawful access by courts or authorities there.
We take this into account when we use those providers, and we use them only as needed to deliver our services.
How long we keep your information
We keep your personal information only as long as we need it to provide our services, follow up on your enquiry, maintain our business records, and meet legal, regulatory, and professional requirements. Mortgage and client files may need to be kept for a longer period required by law or by our brokerage.
When we no longer need your information, we will destroy it or de-identify it in a secure way, unless we are required to keep it longer.
How we protect your information
We use reasonable administrative, technical, and physical safeguards to protect personal information against loss, theft, and unauthorized access, use, or disclosure. This includes limiting access to people who need it to do their work, and using service providers that offer appropriate security for the tools we rely on.
No method of transmission or storage is completely secure. If we become aware of a privacy incident that creates a real risk of significant harm, we will notify the people affected and the appropriate authorities as required by law.
Your rights, including access and correction
You have the right to:
- ask whether we hold personal information about you
- request access to that information
- ask us to correct information that is inaccurate or incomplete
- withdraw consent where we rely on consent, subject to legal or contractual restrictions and reasonable notice
- ask us to stop sending you marketing emails or texts
If you live in Quebec, Law 25 also gives you additional rights in some situations, including the right to ask us to stop disseminating your personal information or to de-index a link to it, and to be told if we use only automated processing to make a decision that has a legal or similarly significant effect on you. We do not currently make those kinds of fully automated decisions about you.
To make a request, contact us using the details below. We may need to confirm it is you before we respond. We will respond within the time the law requires. There is usually no charge for a standard request. If a fee is allowed and we need to charge one, we will tell you first.
Person responsible for personal information
Under Quebec Law 25, we must name the person responsible for the protection of personal information.
Person responsible: Dan Mizrahi
You can reach this person at:
Dan Mizrahi
Your Rate Guy
15 Gervais Dr Suite 310, North York, ON M3C 3S2
Phone: (647) 241-6652
Email: [email protected]
Questions or concerns
If you have a question, a request, or a concern about this policy or about your personal information, please contact:
Dan Mizrahi
Your Rate Guy · Choice Financial Corp.
15 Gervais Dr Suite 310, North York, ON M3C 3S2
Phone: (647) 241-6652
Email: [email protected]
We will do our best to resolve your concern. If you are not satisfied, you may contact the Office of the Privacy Commissioner of Canada, or, if you live in Quebec, the Commission d'accès à l'information du Québec.
- Office of the Privacy Commissioner of Canada: https://www.priv.gc.ca
- Commission d'accès à l'information du Québec: https://www.cai.gouv.qc.ca
Changes to this policy
We may update this policy from time to time. The effective date at the top will change when we do. The current version will be posted on this page.