Privacy Policy – Manny-Sandhu.com

Last updated: Oct 1, 2025

At Manny-Sandhu.com, your privacy and the protection of your personal information are extremely important to us.
This Privacy Policy explains how we collect, use, and safeguard your data when you visit our website or use our online forms, including our Contact Form and Mortgage Pre-Approval Form.

1. Who We Are

Manny-Sandhu.com is operated by Manny Sandhu, a licensed mortgage and insurance professional based in Alberta, Canada.

Licensing and Affiliations:

  • Mortgage License: Licensed under TMG – The Mortgage Group Canada Inc., Alberta.

  • Insurance License: Licensed through Experior Financial Group Inc., Alberta.

Through this website, we provide information and services related to mortgage financing, insurance solutions, and mortgage protection options.
We also maintain related resources and links to our educational site: SecureYourLife.ca.

2. Information We Collect

a) Information You Provide Voluntarily

When you submit a form, request information, or contact us, we may collect:

  • Your name, email, and phone number

  • Details you enter on mortgage pre-approval or insurance inquiry forms (such as income, down payment, or property information)

  • Any optional message or notes you include

These details are used strictly for professional communication and financial service delivery.

b) Information Collected Automatically

When you browse our site, we may automatically collect:

  • IP address and browser/device details

  • Pages visited and duration

  • Referring sites (e.g., Google, Facebook, or SecureYourLife.ca)

This helps us improve the site and user experience. This information does not identify you personally.

3. How We Use Your Information

Your information is collected and used to:

  • Respond to your inquiries and provide mortgage or insurance advice

  • Assess pre-approval requests and provide personalized recommendations

  • Offer relevant information about mortgage protection or related products

  • Maintain accurate licensing and compliance records as required by TMG and Experior Financial Group

  • Improve website performance and user experience

We do not sell, rent, or trade your personal information to third parties.

4. Sharing of Information

We may share limited personal information only in the following cases:

  • With TMG – The Mortgage Group Canada Inc. for mortgage-related submissions and compliance review

  • With Experior Financial Group Inc. for insurance applications or policy servicing

  • With trusted service providers (e.g., website host, analytics, or form email delivery)

  • As required by law, regulation, or regulatory authorities

Each party receiving data must protect it under strict confidentiality agreements and applicable privacy laws.

5. Data Storage and Security

Your information is stored securely using encrypted servers provided by our hosting provider (Bluehost) and secure email systems.
We use SSL encryption on all forms to protect your data during transmission.

Despite our safeguards, no online platform is completely risk-free. By using our forms, you acknowledge and accept standard online communication risks.

6. Cookies and Tracking

We use cookies and analytics (such as Google Analytics) to:

  • Track site usage and performance

  • Improve navigation and content quality

You can manage or disable cookies in your browser settings anytime.

7. Your Rights

You have the right to:

  • Request access to the personal data we hold about you

  • Request correction of inaccurate information

  • Withdraw consent for communication at any time

To exercise these rights, email us at [insert your email here].

8. Retention of Data

We retain personal data only as long as required to:

  • Provide ongoing service or follow-up

  • Satisfy regulatory and compliance requirements of TMG and Experior Financial Group
    After that period, your information is securely deleted or anonymized.

9. Links to Other Websites

Our site may include links to trusted third-party or affiliate websites, including SecureYourLife.ca, lender portals, or insurer sites.
Please note that we are not responsible for the content or privacy practices of those websites. We recommend reviewing their privacy policies before submitting any personal information.

10. Children’s Privacy

Our website and services are intended for adults. We do not knowingly collect information from individuals under 18 years of age.

11. Updates to This Policy

We may update this Privacy Policy periodically to reflect new legal requirements or operational changes. Updates will be posted here with a revised “Last Updated” date.

12. Contact Information

If you have any questions or concerns about this Privacy Policy or how your information is handled, please contact:

Manny Sandhu
📧 Email: mortgages@many-sandhu.com
🌐 Website: https://manny-sandhu.com
📍 Calgary, Alberta, Canada

Manny Sandhu is a licensed Mortgage Consultant operating under TMG The Mortgage Group Inc., Brokerage License #10315. All mortgage services are provided in accordance with provincial regulations and subject to lender approval.