PRIVACY POLICY & TERMS OF SERVICE


Rowan Smith Mortgage Broker
Operating under City Wide Mortgage Services
Phone: (604) 657-6775
Email: rowan@citywidemortgage.ca
Address: Unit 103 1245 West Broadway, Vancouver, BC V6H 1G7
Last Updated: 05/02/2026

PART 1 — PRIVACY POLICY

OVERVIEW

Rowan Smith Mortgage Broker (“we,” “us,” or “our”) is committed to protecting your personal information in accordance with PIPEDA and applicable Canadian privacy laws.


INFORMATION WE COLLECT

We may collect:

  • Contact info (name, phone, email, address)
  • Financial info (income, debts, credit, etc.)
  • ID verification documents
  • Website usage data (analytics, IP, browser)


HOW WE USE YOUR INFORMATION

We use your information to:

  • Assess mortgage eligibility
  • Submit applications to lenders
  • Communicate with you
  • Provide updates and services
  • Meet legal requirements


DISCLOSURE OF YOUR INFORMATION

We may share your information with:

  • Lenders and financial institutions
  • City Wide Mortgage Services
  • Service providers (CRM, communication tools)
  • Regulatory authorities if required

We do not sell, rent, or trade your personal information.
Your personal information, including mobile opt-in data and consent, will NOT be shared, sold, or disclosed to any third parties for marketing or promotional purposes under any circumstances.


CONSENT

By submitting your information, you consent to its use as outlined.

You may withdraw consent at any time.


DATA RETENTION

We retain data as required by law (typically 6+ years).


SECURITY

We take reasonable steps to protect your data, but no system is 100% secure.


YOUR RIGHTS

You can:

  • Access your data
  • Request corrections
  • Withdraw consent


COOKIES

We use cookies for analytics. You can disable them anytime.


SMS COMMUNICATIONS & OPT-IN POLICY

We may send:

  • Appointment reminders
  • Mortgage updates
  • Follow-ups
  • Promotional messages


No Sharing of Mobile Data
Mobile opt-in data, including your phone number and consent, will NOT be shared, sold, rented, or disclosed to any third parties or affiliates for marketing or promotional purposes. This applies without exception.

  • Reply STOP to opt out
  • Reply HELP for assistance
  • Msg/data rates may apply
  • Must be 18+

PART 2 — TERMS OF SERVICE

ACCEPTANCE OF TERMS

By using this website, you agree to these terms.


SERVICES PROVIDED

Rowan Smith offers:

  • Home purchase mortgages
  • Pre-approvals
  • Refinancing
  • Construction loans
  • Private lending
  • Debt restructuring


NO GUARANTEE

Mortgage approval is not guaranteed.
All applications depend on lender criteria.


COMPENSATION

  • Typically paid by lenders
  • Some cases may involve client fees (disclosed upfront)

INFORMATION DISCLAIMER

Website content is:

  • General information only
  • Not financial advice
  • Subject to change


LIMITATION OF LIABILITY

We are not liable for:

  • Mortgage outcomes
  • Financial decisions
  • Third-party actions


GOVERNING LAW

Governed by:

  • British Columbia
  • Canadian law


SMS PROGRAM TERMS

By opting in:

  • You agree to receive texts
  • You can opt out anytime (STOP)
  • Msg/data rates may apply

No Sharing Policy
Your SMS opt-in data and consent will NOT be shared with any third parties for marketing or promotional purposes.


CONTACT

Rowan Smith Mortgage Broker
(604) 657-6775
rowan@citywidemortgage.ca