Last updated: September 28, 2026

Jose Gustavo Salcedo respects your privacy and is committed to handling personal information responsibly. This Privacy Policy explains how personal information is collected, used, disclosed, retained and protected when you visit this website, submit an inquiry or lead form, interact with an advertisement, communicate by email, telephone or WhatsApp, use an automated chat, or schedule an appointment.

1. Who we are

For this Privacy Policy, “we,” “us” and “our” refer to Jose Gustavo Salcedo, Mortgage Agent Level 2 (licence M20001127), working with IDMI Mortgage Brokerage #10584.

This policy applies to the lead, inquiry and appointment journey. If you choose to proceed with a mortgage application, Gustavo will personally explain any additional disclosures, authorizations and consents required by the brokerage, lenders, insurers, credit reporting agencies or other parties involved in that application.

2. Personal information we may collect

Depending on how you interact with us, we may collect:

• identity and contact information, such as your name, email address, telephone number, city and preferred language;

• inquiry information, such as the type of mortgage assistance you are seeking, your general timing and the message or answers you submit;

• lead and attribution information, such as the advertisement, campaign, form or referral source through which you contacted us, including campaign identifiers and UTM parameters;

• appointment and communication information, such as booking details, rescheduling, cancellation, attendance or no-show status, communication history and follow-up status;

• consent and preference records, including when, where and how consent was obtained, the consent language shown, your channel preference, and any opt-out or withdrawal request;

• mortgage-related or financial information that you voluntarily provide later in the process; and

• technical information used to operate, secure and improve the website, such as device, browser, IP address, cookie and analytics information.

Please do not submit a Social Insurance Number, banking credentials, credit report, identity document or other highly sensitive document through a Meta lead form, website contact form, ManyChat or an unsolicited WhatsApp message. Gustavo will personally explain a suitable process if that information becomes necessary for a mortgage application.

3. How we collect information

We may collect personal information:

• directly from you through this website, a contact form, telephone, email, WhatsApp, an appointment or another communication;

• through Meta Lead Ads or other advertising forms that you choose to submit;

• through service providers used to operate the inquiry and appointment journey, such as Wix, Meta, WhatsApp, ManyChat, Calendly, Microsoft 365, Power Automate, Excel or another CRM tool, Zoom and analytics or security providers; and

• from a referral source where the collection and contact are permitted by law. We will not treat a name-only match as proof of identity.

4. How we use personal information

We may use personal information to:

• respond to your inquiry and provide mortgage-related information;

• arrange, reschedule, cancel and follow up on consultations;

• identify the correct contact using exact email or telephone matching and prevent duplicate records;

• record your communication preferences and honour an opt-out;

• provide consent-based follow-up by your selected channel;

• maintain lead and appointment records in our CRM;

• understand which advertisements, forms and channels produce inquiries and appointments;

• improve the website, forms, client experience and business operations;

• detect misuse, protect systems and maintain audit records; and

• comply with legal, regulatory, professional and security obligations.

Automation may help route an inquiry, detect a duplicate, record consent, update an appointment status or send an authorized administrative message. Automation will not approve or decline credit, make a mortgage decision, start a mortgage application, perform a credit inquiry or replace Gustavo's personal mortgage advice.

5. Consent and electronic communications

We seek meaningful consent appropriate to the information and purpose involved. Information required to answer a specific inquiry or schedule a requested consultation is handled for those purposes. Any optional ongoing marketing or WhatsApp consent is separate and is not a condition of submitting an inquiry or booking a consultation.

Where applicable, commercial electronic messages will be sent only with valid consent or as otherwise permitted by law. Messages will identify the sender and include a practical way to unsubscribe.

You may withdraw consent for WhatsApp or other promotional messages at any time by replying STOP or UNSUBSCRIBE, using an unsubscribe link when provided, or contacting us at salcedo.j@mortgagecentre.com. Message and data rates may apply. Withdrawal does not affect handling that occurred lawfully before the withdrawal and may not apply where retention is required by law.

6. How we disclose information

We may disclose personal information only as reasonably necessary for the purposes described in this policy:

• to IDMI Mortgage Brokerage where appropriate to provide or supervise mortgage services;

• to service providers that support the website, advertising, communications, scheduling, video meetings, automation, analytics, security or CRM operations, including Wix, Meta, WhatsApp, ManyChat, Calendly, Microsoft and Zoom;

• to professional advisers, regulators, law enforcement or other parties where authorized or required by law; and

• if you decide to proceed with a mortgage application, to lenders, insurers, credit reporting agencies and other application participants only after Gustavo explains and obtains the applicable authorization.

Service providers may process information only for their contracted services and are also subject to their own terms and privacy practices. We do not sell personal information.

7. Processing outside Canada

Some service providers may store or process personal information outside Ontario or Canada. Information processed in another jurisdiction may be subject to that jurisdiction's laws and lawful access requirements. We remain responsible for personal information under our control and take reasonable steps to select and use service providers with safeguards appropriate to the sensitivity of the information.

8. Retention

We retain personal information only as long as reasonably necessary for the purposes described in this policy and to meet legal, regulatory, dispute-resolution, security and audit requirements. Retention periods depend on the type and sensitivity of the information, the status of the inquiry or relationship, consent records and applicable obligations.

When information is no longer required, we take reasonable steps to securely delete, destroy or anonymize it. A minimal suppression record may be retained to ensure that an opt-out continues to be honoured.

9. Safeguards

We use reasonable administrative, technical and organizational safeguards appropriate to the sensitivity of the information, including access controls and limiting access to those who require it for an authorized purpose. No internet transmission or storage system can be guaranteed to be completely secure.

10. Cookies and analytics

This website and its service providers may use essential cookies and similar technologies for operation, security, preferences and analytics. Where required, you may manage non-essential cookies through the site's cookie controls or your browser settings. Disabling some technologies may affect site functionality. Third-party services may apply their own cookie and privacy practices.

11. Your privacy choices and rights

Subject to applicable law, you may ask us to:

• confirm whether we hold personal information about you;

• provide access to that information;

• explain how it has been used and disclosed;

• correct inaccurate or incomplete information;

• withdraw consent for an optional use or communication; or

• delete information that is no longer required, subject to legal and legitimate retention requirements.

We may need to verify your identity before completing a request. We will respond within the time required by applicable law. If you have a concern, please contact us first so that we can investigate and respond. You may also contact the Office of the Privacy Commissioner of Canada at https://www.priv.gc.ca/.

12. Children

Our mortgage services and lead forms are intended for adults and are not directed to children under 18. We do not knowingly seek personal information from children through this lead and appointment journey.

13. Changes to this policy

We may update this Privacy Policy when our practices, service providers or legal obligations change. The “Last updated” date identifies the current version. If a change introduces a materially new purpose or disclosure, we will provide notice and obtain fresh consent where required.

14. Contact

For privacy questions, access or correction requests, deletion requests, consent withdrawal or complaints, contact:

Jose Gustavo Salcedo

Mortgage Agent Level 2 · M20001127

IDMI Mortgage Brokerage #10584

7662 Buckeye Crescent, Niagara Falls, Ontario L2H 0P2, Canada

Email: salcedo.j@mortgagecentre.com

Office: 905-652-3000 ext. 245