Privacy Policy

Garrison Capital Corp., operating as Open Financial ("Open Financial," "we," "us," or "our"), is an Ontario mortgage brokerage, FSRA Mortgage Brokerage Licence #13362. We are committed to protecting the privacy of all individuals who interact with condoclosinghelp.ca and our 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 and respond to your condo-closing or mortgage inquiry
• Connect you with appropriate lenders or service providers where reasonably necessary and with appropriate consent
• Communicate with you about your request by phone, email, or SMS
• Comply with regulatory requirements as a licensed mortgage brokerage
• Secure, operate, and improve our services and website functionality
• Fulfill legal or regulatory obligations

Future promotional email or SMS is optional and is sent only when you separately select the marketing-consent checkbox. You can unsubscribe at any time.

We do not sell personal information. We make limited disclosures to selected lenders, co-brokers, appraisers, lawyers, credit bureaus, and technology providers when reasonably necessary and with appropriate consent to assess or arrange financing, respond to your request, operate and secure the service, or comply with law and regulatory requirements. Recipients receive only the information reasonably necessary for their role and may be subject to confidentiality, contractual, professional, or legal obligations.

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.

With your optional analytics consent, we use Google Analytics to measure site usage and Microsoft Clarity to understand navigation and interaction patterns. These services do not load until you select "Allow analytics." Advertising storage remains denied for these analytics tools.

Clarity uses its external Balanced masking mode. We also explicitly mask the standard and Meta-specialized assessment funnels, form regions, results, and all personal and financial information regions in the site markup. We never intentionally unmask these regions. You can decline analytics or change your choice at any time through the accessible Analytics settings control. Declining optional analytics does not prevent you from using the assessment or submitting an inquiry.

We also use privacy-minimized first-party attribution to connect an inquiry with its source. We retain only page paths, coarse referrer host classifications, allowlisted campaign fields, and the advertising click identifiers gclid, gbraid, wbraid, fbclid, and msclkid. We do not retain raw query strings, fragments, arbitrary query parameters, or personal information in this attribution envelope. Capturing msclkid does not install Microsoft UET or enable Microsoft Ads.

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.