Privacy Policy – Hosper Mortgage

Effective date: 12-23-2025
Last updated: 12-23-2025

Hosper Mortgage (“Hosper Mortgage”, “we”, “us”, “our”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, store, and protect personal information when you visit our website, contact us, apply for products or services, invest with us, or otherwise interact with us (collectively, the “Services”).

1) What this policy covers

This policy applies to personal information we handle through:

  • Our website and online forms

  • Email, phone, SMS, and other communications

  • In-person and virtual meetings

  • Applications, onboarding, and ongoing servicing for borrowers, investors, and partners

This policy does not cover third-party websites you may access through links on our website.

2) What is personal information

“Personal information” generally means information about an identifiable individual. Business contact information may be treated differently under some laws.

3) What we collect

We may collect the following types of personal information (depending on your relationship with us):

A. Information you provide directly

  • Contact details (name, email, phone number, mailing address)

  • Identity information (date of birth, government-issued ID details)

  • Financial information (income details, banking details, investment details, source of funds, credit-related information you provide)

  • Employment and verification information (employer, position, employment history)

  • Property and transaction information (property address, loan details, supporting documentation)

  • Communications (messages, emails, call notes, support requests)

  • Preferences (communication preferences, marketing preferences)

B. Information we collect automatically online

  • Device and browser information (IP address, device identifiers, browser type, operating system)

  • Website usage data (pages viewed, clicks, referring pages, time spent)

  • Cookie and similar tracking data (see Section 8)

C. Information from third parties (where permitted)

  • Identity verification providers

  • Credit reporting agencies and fraud prevention services

  • Brokers, referral partners, and professional advisors (with your authorization or as permitted)

  • Public sources and registries (for example, property-related records)

4) How we use personal information

We use personal information to:

  • Provide and administer the Services (including processing applications and servicing accounts)

  • Verify identity, prevent fraud, and manage risk

  • Communicate with you (including responding to inquiries and sending required notices)

  • Meet legal and regulatory requirements

  • Improve our website and Services, including analytics and performance

  • Deliver marketing and advertising (where you have consented or where otherwise permitted by law)

  • Protect our rights and the security of our business, users, and systems

5) Consent and legal basis

We generally collect, use, and disclose personal information with your knowledge and consent, except where permitted or required by law. You can withdraw consent in some circumstances, subject to legal, contractual, and regulatory restrictions and reasonable notice. Withdrawing consent may limit our ability to provide Services.

6) When we disclose personal information

We may disclose personal information to:

  • Service providers who help us operate (for example, website hosting, CRM, analytics, document management, identity verification, email and communications tools). They are authorized to use personal information only as needed to provide services to us and must protect it.

  • Professional advisors (for example, lawyers, auditors, insurers) as necessary.

  • Financial and transaction counterparties involved in providing Services (for example, where required to complete a transaction or administer an account).

  • Regulators, law enforcement, or other parties where required or permitted by law, or to protect rights, safety, and security.

  • Business transactions if we are involved in a merger, acquisition, financing, reorganization, or sale of assets (information may be shared as part of due diligence and transferred as part of the transaction, subject to appropriate safeguards).

7) Where we store and process personal information

We may store or process personal information in Canada and, depending on our service providers, in other jurisdictions. If information is processed outside your province or Canada, it may be subject to the laws of that jurisdiction. We use contractual and other safeguards designed to protect personal information.

8) Cookies and online tracking

We use cookies and similar technologies (for example, pixels and tags) to:

  • Operate and secure our website

  • Remember preferences

  • Understand website performance and usage

  • Support marketing and advertising (where applicable)

You can control cookies through your browser settings and, where available, our cookie banner or preference centre. Disabling certain cookies may impact website functionality.

Optional: If you run advertising or retargeting, add a short list of common tools used (for example, Google Analytics, Google Ads, Meta Pixel, LinkedIn Insight Tag) and link to cookie controls.

9) Marketing communications

If you opt in to marketing, we may send marketing communications by email or other channels you choose. You can unsubscribe at any time using the link in an email or by contacting us (see Section 13). Even if you opt out, we may still send non-marketing communications (for example, service messages and legal notices).

10) Retention

We keep personal information only as long as necessary for the purposes described in this policy, and as required by legal, regulatory, and business requirements. When no longer needed, we securely destroy, delete, or anonymize it.

11) Safeguards

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, copying, use, or modification. No method of transmission or storage is fully secure, so we cannot guarantee absolute security.

12) Your rights and requests

Depending on your jurisdiction, you may have the right to:

  • Request access to your personal information

  • Request correction of inaccurate or incomplete information

  • Withdraw consent (where applicable)

  • Request information about our use and disclosures of your personal information

To make a request, contact us using the details in Section 13. We may need to verify your identity before responding.

13) Contact us (Privacy Officer)

If you have questions, complaints, or requests about privacy, contact:

Privacy Officer
Hosper Mortgage Administration Inc
Mailing address: 21 St Clair Ave E Suite #200, Toronto, ON M4T 1L9
Email: management@hospermortgage.com
Phone: (647) 277-6509

If you are not satisfied with our response, you may have the right to contact the privacy regulator in your jurisdiction.

14) Changes to this policy

We may update this Privacy Policy from time to time. The “Last updated” date shows when it was last revised. Changes take effect when we post the updated policy on our website.