Privacy Policy

Garrison Capital Corp., operating as Open Financial ("Open Financial," "we," "us," or "our"), is a licensed mortgage brokerage in the Province of Ontario (FSRA Brokerage License #13362). We are committed to protecting the privacy of all individuals who interact with our website and services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy legislation.

We collect personal information that you voluntarily provide to us when you submit an inquiry, complete our online assessment form, or contact us directly. This may include:

• Full name and contact information (phone number, email address)
• Property information (purchase price, current value, condo development name)
• Financial information relevant to your mortgage situation (income type, existing debt)
• Closing timeline and urgency details
• Any other information you choose to share with us

We may also collect non-personal technical information automatically when you visit our website, including IP address, browser type, pages visited, and time spent on the site. This information is used for analytics and to improve user experience.

We use the personal information we collect to:

• Assess your mortgage situation and determine potential financing options
• Connect you with appropriate lenders from our network
• Communicate with you about your file, including follow-up by phone or email
• Comply with regulatory requirements as a licensed mortgage brokerage
• Improve our services and website functionality
• Fulfill any legal or regulatory obligations

We will not use your personal information for any purpose other than those described above without your prior consent.

We do not sell, rent, or trade your personal information to third parties. We may share your information in the following limited circumstances:

• Lenders and financial institutions: With your knowledge and consent, we may share your file with lenders in our network to obtain financing options on your behalf.
• Service providers: We may engage trusted third-party service providers (such as secure document storage or communication platforms) who are bound by confidentiality obligations.
• Legal requirements: We may disclose information when required by law, court order, or regulatory authority, including FSRA.

Open Financial adheres to the ten principles of PIPEDA, which govern the collection, use, and disclosure of personal information in the course of commercial activities. These principles include accountability, identifying purpose, consent, limiting collection, limiting use and disclosure, accuracy, safeguards, openness, individual access, and challenging compliance.

You have the right to access the personal information we hold about you and to request corrections if it is inaccurate. You may withdraw your consent to the use of your information at any time, subject to legal or contractual restrictions.

We implement appropriate technical and organizational safeguards to protect your personal information against unauthorized access, disclosure, alteration, or destruction. All data transmitted through our website forms is encrypted using industry-standard SSL/TLS protocols. Access to your personal information is restricted to authorized personnel who require it to perform their duties.

We retain personal information only for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable law. Client files related to mortgage transactions are typically retained for a minimum of seven (7) years in accordance with regulatory requirements. After this period, information is securely destroyed or anonymized.

Our website may use cookies and similar tracking technologies to improve your browsing experience and analyze site traffic. You can adjust your browser settings to refuse cookies; however, doing so may affect certain functionality of our website. We do not use cookies to collect personally identifiable information without your consent.

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

If you have questions about this Privacy Policy, wish to access or correct your personal information, or wish to withdraw your consent to its use, please contact our Privacy Officer:

We will respond to privacy-related requests within 30 days of receipt. If you are not satisfied with our response, you have the right to lodge a complaint with the Office of the Privacy Commissioner of Canada.

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated policy on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.