Privacy Policy

1. Personal Information We Collect

We collect personal information that you provide voluntarily when creating a member profile, applying for an independent contractor opportunity, requesting assistance, or communicating with our team:

• Member & Contact Information: First and last name, email address, phone number, city, and province.
• Membership Pathway & Career Preferences: Your selected membership pathway (Exploring a Mortgage Career, Preparing for Licensing, Licensed and Exploring Brokerage Opportunities, or Growing as a Mortgage Professional), career objectives, and preferred contact method.
• Contractor & Applicant Information: Professional experience summaries, cover notes, LinkedIn profile URLs, qualifications, and application records submitted for independent contractor opportunities with Career Bridge.
• Education & Licensing Records: Information related to your course-enrolment status, course provider, completion date, and licensing history provided for administrative assistance or profile coordination.
• Payment & Credit-Card Policy: Career Bridge does not collect or store complete credit-card details through its website or CRM. Any online course-payment or fee-payment process is handled directly through the applicable education provider’s system or an appropriate external secure payment processor.

2. Stated Collection, CRM Use & Processing Purposes

Career Bridge Group collects and uses your personal information—and maintains records within our Customer Relationship Management (CRM) systems—strictly for identified administrative and operational purposes, including:

• Membership Administration & CRM Management: Creating, maintaining, and administering your member profile in our CRM to coordinate requested services, follow-up, and membership resources.
• Independent Contractor Assessment: Evaluating contractor applications, communicating with applicants, and administering independent contractor onboarding and agreements.
• Administrative Course-Registration Assistance: Providing administrative coordination when you request assistance registering for a mortgage agent course with an FSRA-approved education provider.
• Requested Brokerage Introductions: Facilitating introductions to participating licensed mortgage brokerages where you explicitly request a brokerage introduction.
• Communications & Service Updates: Responding to inquiries and sending administrative notifications regarding your membership or contractor application.

3. Information Sharing and Disclosure

We never sell, rent, or lease your personal information. Information is disclosed only under the following defined circumstances:

• Education Providers: When you request course registration assistance, relevant identification and contact details are shared with the applicable FSRA-approved education provider. The education provider independently controls admission, tuition, course delivery, examinations, completion standards, and refunds.
• Participating Mortgage Brokerages: When you request an introduction to explore career opportunities, relevant profile information is shared with the identified licensed mortgage brokerage under the terms of your specific authorization.
• Third-Party Service Providers: We engage verified technology service providers for cloud hosting, customer relationship management (CRM), and telecommunications. These service providers process data strictly on our instructions and are contractually bound to maintain confidentiality and security.
• Legal & Regulatory Requirements: We may disclose information if required to do so by applicable laws, court orders, or governmental/regulatory inquiries.

4. SMS Communications & Marketing Consent

Marketing consent and service consent are kept strictly separate. Service consent is required to administer your membership. Optional marketing consent allows you to receive Career Bridge news, course announcements, and promotional updates.

• Marketing opt-in is optional and never pre-selected.
• Mobile phone information obtained through SMS opt-in is never shared with third parties or affiliates for marketing or promotional purposes.
• You can unsubscribe from marketing emails at any time using the link in the footer of each email. You can stop SMS communications by replying STOP to any text message. For assistance, reply HELP.

5. Data Retention

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, including maintaining your active membership, providing course registration assistance, facilitating requested introductions, and meeting legal, regulatory, tax, or accounting requirements. When information is no longer required, it is securely destroyed, erased, or anonymized.

6. Access and Correction

You have the right to request access to the personal information Career Bridge Group holds about you, and to request that any inaccurate or outdated information be corrected or updated. To submit an access or correction request, please contact our Privacy Officer in writing. We will respond within reasonable and legally required timeframes.

7. Consent Withdrawal

You may withdraw your consent to the collection, use, or disclosure of your personal information at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawing consent for essential service administration may require the closure of your member profile or discontinuation of registration assistance.

8. Cross-Border Service Providers

Career Bridge Group uses reputable cloud, database, and telecommunications infrastructure provided by third-party vendors. In some cases, personal information may be stored or processed on secure servers located outside Ontario or outside Canada (such as in the United States). In such cases, your personal information is subject to the legal jurisdictions of those foreign locations and may be accessible to law enforcement or regulatory authorities under local foreign laws.

9. Data Security

We implement appropriate technical, administrative, and physical safeguards designed to protect personal information against unauthorized access, loss, theft, alteration, or misuse. However, no internet transmission or electronic storage system is completely impenetrable, and we cannot guarantee absolute security.

10. Privacy Officer Contact

If you have questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact our designated Privacy Officer: