ZMortgage
Ziyad Iqbal
3989 Henning Drive, Unit 105
Burnaby, BC V5C 6P8
Phone: 604-619-3271
Email: zi***@*******ge.ca
Fax: 236-300-1418
Last Updated: June 24, 2026
Part 1 — Privacy Policy
Overview
ZMortgage (“we,” “us,” or “our”) is committed to protecting your personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website, submit a mortgage inquiry, apply for financing, or otherwise engage our services.
Information We Collect
We may collect:
Contact Information: Name, phone number, email address, mailing address.
Financial Information: Employment details, income information, assets and liabilities, credit information, property information, mortgage objectives.
Identification Information: Government-issued identification, documentation required for lender verification.
Website Information: IP address, browser information, website usage statistics, cookies and analytics data.
How We Collect Information
We collect information through website forms, mortgage applications, phone calls, email communications, SMS communications, third-party referrals, lenders and financial institutions, and public sources where legally permitted.
How We Use Your Information
Your information may be used to assess mortgage eligibility, obtain financing options, submit mortgage applications, communicate regarding your mortgage file, provide refinancing recommendations, provide reverse mortgage and private lending solutions, respond to inquiries, maintain regulatory compliance, improve services and website functionality, and send marketing communications where consent exists.
Disclosure of Information
We may disclose personal information to lenders and financial institutions (for mortgage qualification, underwriting, approval, and funding), service providers (CRM systems, document storage, communication platforms, website hosting, analytics), regulatory authorities (when required by law), and to meet legal requirements such as court orders or lawful requests.
We do not sell, rent, or trade personal information to third parties for their own marketing purposes.
Consent
By submitting information through our website, forms, or mortgage application process, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. You may withdraw consent at any time, subject to legal and contractual obligations.
Marketing Communications
We comply with Canada’s Anti-Spam Legislation (CASL). Marketing communications are only sent where express or implied consent exists. You may unsubscribe at any time by clicking unsubscribe in an email, replying STOP to SMS messages, or contacting us directly. Service-related communications regarding active inquiries or mortgage applications may continue where permitted by law.
Data Retention
Personal information is retained only as long as necessary to fulfill mortgage service obligations, meet legal requirements, meet regulatory recordkeeping requirements, and resolve disputes. After retention periods expire, information is securely destroyed or anonymized.
Security
We implement administrative, technical, and physical safeguards to protect personal information against unauthorized access, loss, misuse, disclosure, and alteration. While reasonable safeguards are used, no internet transmission or storage system can be guaranteed to be completely secure.
Your Privacy Rights
You may request access to your information, corrections to inaccurate information, withdrawal of consent, and information regarding our privacy practices. Requests can be submitted to Email: zi***@*******ge.ca or Phone: 604-619-3271.
Cookies & Analytics
Our website may use cookies, analytics tools, and performance tracking technologies. These tools help improve user experience and website performance. You may disable cookies through your browser settings.
SMS Communications & Opt-In Policy
ZMortgage may send SMS messages to individuals who provide express consent through our website or application forms. Messages may include appointment reminders, mortgage updates, application status notifications, financing information, and follow-up communications. SMS consent is not a condition of obtaining mortgage services. SMS consent records and mobile numbers are never sold or shared with third parties for their own marketing purposes. Reply STOP to unsubscribe or HELP for assistance. Message and data rates may apply. Message frequency varies. You must be at least 18 years old to opt in.
Part 2 — Terms of Service
Acceptance of Terms
By accessing this website or using ZMortgage services, you agree to these Terms of Service. If you do not agree, please discontinue use of the website and services.
Nature of Services
ZMortgage provides mortgage consulting and mortgage brokerage-related services including home purchase financing, mortgage refinancing, mortgage renewals, home equity loans, reverse mortgages, private lending, alternative lending, and commercial lending. All financing is subject to lender approval. Mortgage approval is never guaranteed.
No Guarantee of Approval
Submitting a quote request, an inquiry, a pre-approval application, or a mortgage application does not guarantee approval. All lending decisions are made solely by participating lenders.
Information Accuracy
Information on this website is provided for informational purposes only. Rates, mortgage products, lender programs, and lending guidelines may change without notice. Nothing on this website constitutes legal, tax, accounting, or financial advice.
Compensation Disclosure
Mortgage brokers may be compensated by lenders upon successful funding of a mortgage transaction. Certain transactions, including private lending or alternative financing arrangements, may involve borrower-paid fees. Any applicable fees will be disclosed before proceeding.
Intellectual Property
All website content including text, graphics, logos, branding, and images is protected by applicable intellectual property laws. Unauthorized reproduction is prohibited.
Limitation of Liability
To the maximum extent permitted by law, ZMortgage shall not be liable for indirect damages, consequential damages, lost profits, delays in lender decisions, third-party actions, or website interruptions. Users assume responsibility for decisions made based on information obtained through the website.
Governing Law
These Terms shall be governed by the laws of Canada and the province in which the mortgage services are provided.
SMS Program Terms
Program Description: ZMortgage sends SMS communications related to mortgage inquiries, applications, appointments, and financing updates.
Opt-Out: Reply STOP to cancel.
Help: Reply HELP or contact 604-619-3271 or zi***@*******ge.ca.
Message Frequency: Varies depending on inquiry status and service activity.
Message & Data Rates: Standard carrier charges may apply.
No Sharing: SMS consent information is never sold, shared, rented, or transferred to third parties for their own marketing purposes.
Carrier Disclaimer: Carriers are not responsible for delayed or undelivered messages.
Contact
ZMortgage
3989 Henning Drive, Unit 105
Burnaby, BC V5C 6P8
Phone: 604-619-3271
Fax: 236-300-1418
Email: zi***@*******ge.ca