Privacy Policy & Terms and Conditions

Karim Hammal (“we”, “us”, “our”) is committed to protecting your privacy and safeguarding the personal information you provide through our website, social media platforms, advertisements, email communications, and mortgage application processes.

We may collect personal information including your name, address, email address, telephone number, date of birth, employment information, income information, credit information, property information, mortgage information, banking information, and information submitted through forms, calculators, or prequalification tools.

By submitting a form on this website, contacting us, requesting information, or using our services, you consent to your information being stored in our client and prospect database.

You also consent to receiving communications from Karim Hammal and his team regarding mortgage services, renewals, refinancing opportunities, mortgage products, market updates, educational content, promotions, newsletters, and follow-up communications related to your inquiry.

You may unsubscribe at any time.

Your information may be shared with lenders, insurers, credit bureaus, lawyers, notaries, appraisers, financial institutions, regulators, and service providers involved in processing your mortgage application.

We do not sell your personal information.

Our website may use cookies, Google Analytics, Meta Pixel, Google Ads tracking tools, and other analytics technologies.

By accessing or using this website, you agree to these Terms and Conditions.

Information on this website is for informational purposes only and does not constitute legal, tax, accounting, or financial advice.

Mortgage approval is subject to lender approval, income verification, property qualification, and regulatory requirements.

Results are estimates only and should not be relied upon as lending commitments.

These Terms shall be governed by the laws of Quebec and Canada.