Privacy policy

Your information, handled with care

You share real financial details with us: your mortgage, your income, your debts. We use them to help you, and for nothing you haven't agreed to. We never sell your personal information.

Who we are

ownmore is the website of Mitch Brushett, a licensed Mortgage Associate (Lic. #513871) with Vine Group Mortgage Brokerage (ON Lic. #13511, SK Lic. #512011, QC AMF #3002949472). In this policy, "we" and "us" means Mitch and Vine Group Mortgage Brokerage. Vine Group also has its own privacy practices as a licensed brokerage, which apply when you work with us on a mortgage.

What we collect

We only collect what you choose to give us, plus a small amount of technical information that comes with using any website.

• Contact details: your name, email address and phone number.
• Financial details you enter: for example your home value, mortgage balance, rate and lender, income and province, rentals, investments, debts and monthly expenses, and your goals.
• Information a referral partner sends us: if a realtor, accountant or other professional uses our partner toolkit to refer you, they send us the details you agreed to share with them.
• Webinar and booking details: the session or time you picked.
• Technical information: like any website, the services that run this site receive your IP address, browser type and the pages you visit. Analytics tools only run if you accept them (see cookies).

The numbers you type into a calculator stay in your browser unless you send them to us, for example by asking for your results by email or submitting the Debt Audit.

How we use it

• To respond to you and prepare the estimate, analysis or call you asked for.
• To send you the results you requested.
• To arrange a mortgage, if you decide to apply, including verifying your identity and meeting the record-keeping rules that apply to mortgage brokerages.
• To send you occasional insights and updates, only if you ticked the box to receive them.
• To understand how the site is used and improve it, only if you accept analytics.
• To meet our legal and regulatory obligations.

By submitting a form, you agree to us using your information for that purpose. You can withdraw that consent at any time, subject to legal or contractual limits.

Who we share it with

• Vine Group Mortgage Brokerage, the licensed brokerage Mitch works with.
• Lenders, mortgage insurers and related parties, only when you choose to apply for a mortgage and authorize it.
• Your other advisors, such as your accountant or wealth advisor, only with your permission.
• A referral partner who introduced you, only with your permission.
• Service providers that help us run the site and stay in touch with you, such as our customer relationship and email platform, website hosting, scheduling and webinar tools, and web fonts. They may only use your information to provide their service to us.
• Authorities, when the law requires it.

Where it's stored and how it's protected

Some of our service providers, including our customer relationship and email platform, store and process information outside Canada, mainly in the United States. While it's there, it may be subject to the laws of that country. We choose providers that protect personal information with safeguards comparable to ours.

We use reasonable physical, technical and administrative safeguards to protect your information. No system is perfectly secure, so please don't send us anything by email you'd consider highly sensitive, like a SIN or account password.

Cookies and your browser

This site saves a few small items in your own browser so it works better for you. For example, it remembers your contact details so you don't have to type them twice, and your cookie choice. You can clear these at any time in your browser settings.

If we use analytics or advertising tools, such as Google Analytics or the Meta pixel, they stay off until you accept them in the cookie notice. You can change your mind at any time with the "Cookie settings" link in the footer.

Emails from us

We send you results and replies you asked for. Marketing emails are only sent if you ticked the box to receive them, and every one includes a way to unsubscribe. You can also just reply and ask us to stop.

How long we keep it

We keep personal information only as long as we need it for the purpose you gave it, or as long as the law and brokerage regulations require. When it's no longer needed, we delete it or make it anonymous.

Your choices and rights

You can ask to see the personal information we hold about you, ask us to correct it, or withdraw your consent to how we use it. We'll respond within the time the law allows. This site isn't intended for anyone under 18.

Contact and complaints

For any privacy question or request, contact Mitch Brushett at mitch.brushett@vinegroup.ca or 306.715.9533. If you aren't satisfied with our answer, you can contact the Office of the Privacy Commissioner of Canada, or your provincial privacy commissioner, such as the Commission d'accès à l'information in Quebec.

We may update this policy from time to time. The date at the top shows when it last changed.