Privacy Policy

Last updated: June 24, 2026

1. Who We Are

Titus Financial operates as part of the Verico Paragon Mortgage Group, a licensed mortgage brokerage serving clients across Canada. We are committed to protecting the privacy and security of your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

We collect personal information primarily to provide mortgage brokerage services — connecting borrowers with appropriate lending products and managing the application process from inquiry through to closing.

2. What Personal Information We Collect

Depending on how you interact with us, we may collect the following categories of personal information:

• Contact information — your full name, email address, phone number, and mailing address.
• Location information — your city and province of residence.
• Property and financial details — estimated home value, loan amount requested, mortgage purpose (e.g., refinance, purchase, debt consolidation), and any other details you voluntarily share about your financial situation.
• Application documentation — supporting documents you choose to submit in connection with a mortgage application.
• Website usage data — information collected automatically through cookies and analytics tools when you visit titusfinance.com, including your IP address, browser type, pages visited, and referring URL. This is used to understand how visitors use our site and to improve the experience.

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• Responding to your inquiries and providing mortgage brokerage services.
• Matching you with appropriate lenders and mortgage products.
• Processing and managing mortgage applications.
• Sending you informational content, service updates, and (where you have opted in) marketing communications related to mortgage products and services.
• Complying with applicable legal and regulatory obligations.
• Analyzing and improving the performance and usability of our website.

4. Cookies and Analytics

Our website uses cookies and third-party analytics tools (including Meta Pixel) to collect information about how visitors navigate and interact with our site. This data helps us understand the effectiveness of our marketing and the user experience on our website.

You can control or disable cookies through your browser settings. Note that disabling certain cookies may affect the functionality of the website.

5. How We Protect Your Information

We take reasonable technical and organizational security measures to protect your personal information against unauthorized access, loss, misuse, or alteration. This includes the use of standard security protocols, access controls on our internal systems, and encrypted data transmission where appropriate.

While we are committed to protecting your information, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we continuously review and update our security practices as needed.

6. When We Share Your Information

We do not sell your personal information. We may share your information with the following categories of third parties, but only as reasonably necessary to provide our services:

• Lenders and mortgage lenders — we share your application information with the lenders whose products we present to you, in order to process and evaluate your mortgage application.
• Verico network — as a member of the Verico Paragon Mortgage Group, your information may be shared within the Verico network for the purposes of servicing your account and meeting regulatory obligations.
• Third-party service providers — we use service providers for website hosting, data analytics, email delivery, and SMS communications. These providers are contractually required to handle your information securely and only for the purposes we specify.
• Legal and regulatory authorities — we may disclose your information if required by law, court order, or to comply with regulatory obligations applicable to mortgage brokers in Canada.

7. Your Rights Under PIPEDA

Under PIPEDA, you have the right to:

• Access — request access to the personal information we hold about you, subject to certain exceptions recognized by law.
• Correction — request that we correct any inaccurate or incomplete personal information we hold about you.
• Withdrawal of consent — withdraw your consent to our collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions. Note that withdrawing consent may affect our ability to provide certain services to you.
• Complaint — file a complaint with us regarding our privacy practices, or escalate to the Office of the Privacy Commissioner of Canada if you believe we have not addressed your concern satisfactorily.

To exercise any of these rights, please contact us using the information provided below. We will respond to your request within a reasonable timeframe, and may ask you to verify your identity before proceeding.

8. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes described in this policy, or as required by applicable law. When your information is no longer needed, we take reasonable steps to securely delete or anonymize it.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of any third-party sites. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, or legal requirements. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, notify you by email or through our website.

11. Contact Us

If you have any questions, concerns, or requests related to this Privacy Policy or our handling of your personal information, please contact our Privacy Officer directly:

We aim to respond to all privacy-related inquiries within 10 business days.