{"id":3,"date":"2026-01-11T12:17:16","date_gmt":"2026-01-11T12:17:16","guid":{"rendered":"https:\/\/karimhammal.ca\/?page_id=3"},"modified":"2026-06-21T14:51:14","modified_gmt":"2026-06-21T14:51:14","slug":"privacy-policy","status":"publish","type":"page","link":"https:\/\/karimhammal.ca\/en\/privacy-policy\/","title":{"rendered":"Privacy Policy"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"3\" class=\"elementor elementor-3\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a34f9ff e-flex e-con-boxed e-con e-parent\" data-id=\"a34f9ff\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92f7df1 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"92f7df1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<!-- ============================================================\n     PRIVACY POLICY & TERMS \u2014 karimhammal.ca\n     BILINGUAL (EN \/ FR) \u2014 self-translating by URL\n     \u2022 French when the URL path starts with \/fr\/  (also \/fr-ca\/)\n       OR the page <html lang><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span><span data-mce-type=\"bookmark\" style=\"display: inline-block; width: 0px; overflow: hidden; line-height: 0;\" class=\"mce_SELRES_start\"><\/span> is French. Otherwise English.\n     \u2022 One block works on BOTH your English and French pages.\n     \u2022 translate=\"no\" tells client-side translators (GTranslate \/\n       browser translate) to leave it alone, since it translates\n       itself. Remove that attribute if you don't want that.\n\n     Paste into a WordPress \"Custom HTML\" widget \/ block.\n     ============================================================ -->\n<p><style>\n  .khpp-wrap {\n    font-family: 'Segoe UI', Arial, sans-serif;\n    color: #374151;\n    line-height: 1.7;\n    padding: 24px 16px;\n    box-sizing: border-box;\n  }\n  .khpp-card {\n    max-width: 100%;\n    margin: 0 auto;\n    background: #ffffff;\n    border: 1px solid #e5e7eb;\n    border-radius: 16px;\n    overflow: hidden;\n    box-shadow: 0 10px 40px rgba(13,44,88,0.08);\n  }\n\n  \/* Header *\/\n  .khpp-header {\n    background: #0D2C58;\n    padding: 38px 30px 30px;\n    text-align: center;\n    position: relative;\n  }\n  .khpp-header::after {\n    content: '';\n    position: absolute; left: 0; right: 0; bottom: 0;\n    height: 4px; background: #D4AF37;\n  }\n  .khpp-role {\n    color: #D4AF37; font-size: 0.72rem; font-weight: 700;\n    letter-spacing: 3px; text-transform: uppercase; margin-bottom: 10px;\n  }\n  .khpp-name {\n    color: #fff; font-size: 1.9rem; font-weight: 800; letter-spacing: 2px; margin: 0 0 8px;\n  }\n  .khpp-contact { color: #9CA3AF; font-size: 0.85rem; }\n  .khpp-contact a { color: #D4AF37; text-decoration: none; }\n  .khpp-contact a:hover { text-decoration: underline; }\n\n  \/* Title band *\/\n  .khpp-titleband { text-align: center; padding: 30px 30px 0; }\n  .khpp-title { color: #0D2C58; font-size: 1.5rem; font-weight: 800; margin: 0 0 6px; line-height: 1.3; }\n  .khpp-updated { color: #9CA3AF; font-size: 0.8rem; font-style: italic; }\n  .khpp-titlerule { width: 60px; height: 3px; background: #D4AF37; margin: 18px auto 0; border-radius: 2px; }\n\n  \/* Body *\/\n  .khpp-body { padding: 10px 38px 30px; }\n\n  \/* Section header (PRIVACY POLICY \/ TERMS & CONDITIONS) *\/\n  .khpp-section-h {\n    margin: 34px 0 4px;\n    color: #0D2C58;\n    font-size: 1.15rem;\n    font-weight: 800;\n    letter-spacing: 1.5px;\n    text-transform: uppercase;\n    display: flex; align-items: center; gap: 10px;\n  }\n  .khpp-section-h::before { content: ''; width: 10px; height: 10px; background: #D4AF37; border-radius: 2px; flex-shrink: 0; }\n  .khpp-section-rule { height: 2px; background: linear-gradient(90deg, #D4AF37, #e5e7eb); margin: 0 0 14px; border-radius: 2px; }\n\n  \/* Subsection *\/\n  .khpp-sub { margin: 18px 0; }\n  .khpp-sub-h {\n    color: #0D2C58; font-size: 1rem; font-weight: 700; margin: 0 0 6px;\n    padding-left: 12px; border-left: 3px solid #D4AF37;\n  }\n  .khpp-sub p { margin: 0 0 10px; font-size: 0.94rem; color: #374151; }\n  .khpp-sub p:last-child { margin-bottom: 0; }\n  .khpp-sub a { color: #0D2C58; font-weight: 600; }\n  .khpp-contactblock p { margin: 2px 0; }\n\n  \/* Footer *\/\n  .khpp-footer {\n    background: #0D2C58; color: #9CA3AF; text-align: center;\n    padding: 18px 20px; font-size: 0.78rem;\n  }\n  .khpp-footer a { color: #D4AF37; text-decoration: none; }\n  .khpp-footer a:hover { text-decoration: underline; }\n\n  @media (max-width: 680px) {\n    .khpp-header { padding: 30px 20px 24px; }\n    .khpp-titleband { padding: 24px 20px 0; }\n    .khpp-body { padding: 10px 22px 24px; }\n    .khpp-name { font-size: 1.5rem; }\n    .khpp-title { font-size: 1.25rem; }\n  }\n<\/style><\/p>\n<!-- translate=\"no\" => this block translates itself by URL -->\n\n<!-- TITLE -->\n<div class=\"khpp-titleband\">\n<h1 class=\"khpp-title\" data-khpp-i18n=\"docTitle\">Privacy Policy &amp; Terms and Conditions<\/h1>\n<div class=\"khpp-updated\" data-khpp-i18n=\"lastUpdated\">Last Updated: June 2026<\/div>\n<div class=\"khpp-titlerule\">\u00a0<\/div>\n<\/div>\n<!-- BODY -->\n<div class=\"khpp-body\"><!-- ============ PRIVACY POLICY ============ -->\n<div class=\"khpp-section-h\" data-khpp-i18n=\"ppHeading\">Privacy Policy<\/div>\n<div class=\"khpp-section-rule\">\u00a0<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"pp1Title\">1. Introduction<\/div>\n<div data-khpp-i18n-html=\"pp1Body\">\n<p>Karim Hammal (\u201cwe\u201d, \u201cus\u201d, \u201cour\u201d) 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.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"pp2Title\">2. Information We Collect<\/div>\n<div data-khpp-i18n-html=\"pp2Body\">\n<p>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.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"pp3Title\">3. Electronic Communications Consent<\/div>\n<div data-khpp-i18n-html=\"pp3Body\">\n<p>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.<\/p>\n<p>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.<\/p>\n<p>You may unsubscribe at any time.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"pp4Title\">4. Disclosure of Information<\/div>\n<div data-khpp-i18n-html=\"pp4Body\">\n<p>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.<\/p>\n<p>We do not sell your personal information.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"pp5Title\">5. Cookies and Analytics<\/div>\n<div data-khpp-i18n-html=\"pp5Body\">\n<p>Our website may use cookies, Google Analytics, Meta Pixel, Google Ads tracking tools, and other analytics technologies.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"pp6Title\">6. Contact<\/div>\n<div data-khpp-i18n-html=\"pp6Body\">\n<div class=\"khpp-contactblock\">\n<p>Karim Hammal<\/p>\n<p>Mortgage Broker<\/p>\n<p>Email: <a href=\"mailto:info@karimhammal.ca\">info@karimhammal.ca<\/a><\/p>\n<p>Website: <a href=\"https:\/\/karimhammal.ca\">karimhammal.ca<\/a><\/p>\n<\/div>\n<\/div>\n<\/div>\n<!-- ============ TERMS & CONDITIONS ============ -->\n<div class=\"khpp-section-h\" data-khpp-i18n=\"tcHeading\">Terms &amp; Conditions<\/div>\n<div class=\"khpp-section-rule\">\u00a0<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"tc1Title\">Acceptance of Terms<\/div>\n<div data-khpp-i18n-html=\"tc1Body\">\n<p>By accessing or using this website, you agree to these Terms and Conditions.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"tc2Title\">No Financial Advice<\/div>\n<div data-khpp-i18n-html=\"tc2Body\">\n<p>Information on this website is for informational purposes only and does not constitute legal, tax, accounting, or financial advice.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"tc3Title\">No Guarantee of Approval<\/div>\n<div data-khpp-i18n-html=\"tc3Body\">\n<p>Mortgage approval is subject to lender approval, income verification, property qualification, and regulatory requirements.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"tc4Title\">Mortgage Calculators<\/div>\n<div data-khpp-i18n-html=\"tc4Body\">\n<p>Results are estimates only and should not be relied upon as lending commitments.<\/p>\n<\/div>\n<\/div>\n<div class=\"khpp-sub\">\n<div class=\"khpp-sub-h\" data-khpp-i18n=\"tc5Title\">Governing Law<\/div>\n<div data-khpp-i18n-html=\"tc5Body\">\n<p>These Terms shall be governed by the laws of Quebec and Canada.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<!-- FOOTER -->\n\n<\/section>\n<p><script>\n\/* ============================================================\n   LANGUAGE DETECTION\n   French if URL path starts with \/fr (also \/fr-ca, \/fr-fr)\n   OR the page <html lang> is French.\n   ============================================================ *\/\nvar KHPP_LANG = 'en';\n\nfunction khppGetLang() {\n  var path = (window.location.pathname || '').toLowerCase();\n  var hl = (document.documentElement.getAttribute('lang') || '').toLowerCase();\n  if (\/^\\\/fr(-[a-z]{2})?(\\\/|$)\/.test(path) || hl.indexOf('fr') === 0) return 'fr';\n  return 'en';\n}\n\n\/* ============================================================\n   TRANSLATIONS  (double-quoted strings; HTML attributes use\n   single quotes so nothing needs escaping)\n   ============================================================ *\/\nvar KHPP_I18N = {\n  en: {\n    brandRole: \"Mortgage Broker\",\n    docTitle: \"Privacy Policy & Terms and Conditions\",\n    lastUpdated: \"Last Updated: June 2026\",\n\n    ppHeading: \"Privacy Policy\",\n    pp1Title: \"1. Introduction\",\n    pp1Body: \"<p>Karim Hammal (\u201cwe\u201d, \u201cus\u201d, \u201cour\u201d) 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.<\/p>\",\n    pp2Title: \"2. Information We Collect\",\n    pp2Body: \"<p>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.<\/p>\",\n    pp3Title: \"3. Electronic Communications Consent\",\n    pp3Body: \"<p>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.<\/p><p>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.<\/p><p>You may unsubscribe at any time.<\/p>\",\n    pp4Title: \"4. Disclosure of Information\",\n    pp4Body: \"<p>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.<\/p><p>We do not sell your personal information.<\/p>\",\n    pp5Title: \"5. Cookies and Analytics\",\n    pp5Body: \"<p>Our website may use cookies, Google Analytics, Meta Pixel, Google Ads tracking tools, and other analytics technologies.<\/p>\",\n    pp6Title: \"6. Contact\",\n    pp6Body: \"<div class='khpp-contactblock'><p>Karim Hammal<\/p><p>Mortgage Broker<\/p><p>Email: <a href='mailto:info@karimhammal.ca'>info@karimhammal.ca<\/a><\/p><p>Website: <a href='https:\/\/karimhammal.ca'>karimhammal.ca<\/a><\/p><\/div>\",\n\n    tcHeading: \"Terms & Conditions\",\n    tc1Title: \"Acceptance of Terms\",\n    tc1Body: \"<p>By accessing or using this website, you agree to these Terms and Conditions.<\/p>\",\n    tc2Title: \"No Financial Advice\",\n    tc2Body: \"<p>Information on this website is for informational purposes only and does not constitute legal, tax, accounting, or financial advice.<\/p>\",\n    tc3Title: \"No Guarantee of Approval\",\n    tc3Body: \"<p>Mortgage approval is subject to lender approval, income verification, property qualification, and regulatory requirements.<\/p>\",\n    tc4Title: \"Mortgage Calculators\",\n    tc4Body: \"<p>Results are estimates only and should not be relied upon as lending commitments.<\/p>\",\n    tc5Title: \"Governing Law\",\n    tc5Body: \"<p>These Terms shall be governed by the laws of Quebec and Canada.<\/p>\"\n  },\n  fr: {\n    brandRole: \"Courtier hypoth\u00e9caire\",\n    docTitle: \"Politique de confidentialit\u00e9 & Conditions d'utilisation\",\n    lastUpdated: \"Derni\u00e8re mise \u00e0 jour : juin 2026\",\n\n    ppHeading: \"Politique de confidentialit\u00e9\",\n    pp1Title: \"1. Introduction\",\n    pp1Body: \"<p>Karim Hammal (\u00ab nous \u00bb, \u00ab notre \u00bb, \u00ab nos \u00bb) s'engage \u00e0 prot\u00e9ger votre vie priv\u00e9e et \u00e0 prot\u00e9ger les renseignements personnels que vous fournissez par l'entremise de notre site Web, de nos plateformes de m\u00e9dias sociaux, de nos publicit\u00e9s, de nos communications par courriel et de nos processus de demande hypoth\u00e9caire.<\/p>\",\n    pp2Title: \"2. Renseignements recueillis\",\n    pp2Body: \"<p>Nous pouvons recueillir des renseignements personnels, notamment votre nom, votre adresse, votre adresse courriel, votre num\u00e9ro de t\u00e9l\u00e9phone, votre date de naissance, vos renseignements d'emploi, vos renseignements sur le revenu, vos renseignements de cr\u00e9dit, vos renseignements sur la propri\u00e9t\u00e9, vos renseignements hypoth\u00e9caires, vos renseignements bancaires, ainsi que les renseignements soumis au moyen de formulaires, de calculatrices ou d'outils de pr\u00e9qualification.<\/p>\",\n    pp3Title: \"3. Consentement aux communications \u00e9lectroniques\",\n    pp3Body: \"<p>En remplissant un formulaire sur ce site Web, en nous contactant, en demandant des renseignements ou en utilisant nos services, vous consentez \u00e0 ce que vos renseignements soient conserv\u00e9s dans notre base de donn\u00e9es de clients et de prospects.<\/p><p>Vous consentez \u00e9galement \u00e0 recevoir des communications de Karim Hammal et de son \u00e9quipe concernant les services hypoth\u00e9caires, les renouvellements, les occasions de refinancement, les produits hypoth\u00e9caires, les mises \u00e0 jour du march\u00e9, le contenu \u00e9ducatif, les promotions, les infolettres et les suivis relatifs \u00e0 votre demande.<\/p><p>Vous pouvez vous d\u00e9sabonner en tout temps.<\/p>\",\n    pp4Title: \"4. 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Introduction Karim Hammal (\u201cwe\u201d, \u201cus\u201d, \u201cour\u201d) 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. 2. Information We Collect We may collect personal [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Privacy Policy - Karim Hammal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/karimhammal.ca\/en\/privacy-policy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Privacy Policy - Karim Hammal\" \/>\n<meta property=\"og:description\" content=\"Privacy Policy &amp; Terms and Conditions Last Updated: June 2026 \u00a0 Privacy Policy \u00a0 1. 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