Privacy Policy

Last Updated: March 24, 2026


A Better Way Mortgage Group (operating as DLC – A Better Way and MA A Better Way / Apical Financial Group Inc.) is committed to maintaining the accuracy, confidentiality, and security of your personal information. This Privacy Policy describes the personal information we collect, how we use it, and to whom we disclose it.


1. Accountabilty

We are responsible for personal information under our control. We have designated a Chief Privacy Officer who is accountable for our compliance with this Policy and applicable Canadian privacy laws.

2. Information We Collect

To provide expert mortgage brokerage services, we collect various types of personal information, including:

  • Contact Information: Name, address, phone number, and email address.
  • Financial Information: Income, employment history, assets, liabilities, and credit history (via credit bureau reports).
  • Identification: Social Insurance Number (SIN), used only for credit adjudication and as required by law.

3. Purpose of Collection (Why we need it)

We collect and use your information for the following purposes:

  • To verify your identity and protect against fraud.
  • To assess your eligibility for mortgage products and credit.
  • To submit mortgage applications to financial institutions and lenders on your behalf.
  • To provide ongoing communication regarding your application and mortgage market updates.

4. Mobile Information & SMS Compliance (10DLC)

A Better Way Mortgage Group takes your mobile privacy seriously.

  • No Sharing of Mobile Data: Customer mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.
  • Exclusion: All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
  • Opt-In: By providing your mobile number and consenting to SMS, you agree to receive application updates and appointment reminders.
  • Opt-Out: You may withdraw your consent to receive SMS at any time by replying STOP to any message.

5. Disclosure to Third Parties

In the course of a mortgage transaction, we disclose your information to third parties, including:

  • Lenders and Financial Institutions: To secure mortgage financing.
  • Credit Bureaus: To obtain credit reports.
  • Mortgage Insurers: Such as CMHC, Sagen, or Canada Guaranty.
  • Service Providers: Our technology partners (e.g., Velocity, Zoho CRM) who assist in processing your data under strict confidentiality agreements.

6. Safeguards and Retention

We maintain "Bank-Grade" security standards to protect your data from unauthorized access. We retain your personal information only as long as necessary to fulfill the identified purposes or as required by law (typically seven years for Canadian financial records).

7. Contact Us

For questions regarding this policy or to access your personal information, please contact:

Chief Privacy Officer - A Better Way Mortgage Group

20178 96 Ave C325, Langley, BC V1M 0B2

Email: admin@abwmortgage.ca