Privacy policy
Last updated: September 10, 2026. This policy describes how The Mortgage Actuary (Ronald Daigle, commercial mortgage broker) handles personal information collected through this website, in accordance with Quebec's Law 25 and PIPEDA.
Information collected
The contact form collects only what you enter: name, email, phone, type of financing and an optional project description. Please do not include a social insurance number or banking details.
Use
This information is used solely to respond to your inquiry and follow up on it. It is not sold. Information is sent to lenders only with your express authorization as part of a financing application.
Transmission and retention
Your inquiry is sent by email to ronald@themortgageactuary.com. Hosting and email providers process the information needed to transmit and deliver your inquiry. The website itself keeps no database of inquiries. Emails are retained for as long as needed to handle your file, then deleted.
Cookies and analytics
With your consent, we use Google Analytics to measure visits, page use and the number of successfully sent inquiries. Analytics is disabled until you accept it. Refusing does not prevent you from using the website or sending an inquiry. Advertising features are disabled.
Google processes usage information such as the pages viewed, browser and device information, approximate location and a cookie identifier. We do not send your name, email, phone number or project details to Analytics. Google may process usage data outside Canada. See how Google uses information from websites that use its services.
The necessary tma_consent cookie remembers your choice for six months. If accepted, Analytics cookies (_ga and _ga_*) last up to six months. You can withdraw consent through Cookie settings below or in the website footer; this stops future measurement and removes Analytics cookies from this browser. Withdrawal does not erase information already processed by Google.
The rate indicators are obtained from public sources, including the Bank of Canada and U.S. Department of the Treasury.
Your rights
You may request access to, correction of, or deletion of your information by writing to ronald@themortgageactuary.com. The person responsible for the protection of personal information is Ronald Daigle.