See how many years you could cut off your mortgage.

Who we are

This site is operated by Phillip Williams, Mortgage Agent (FSRA Lic. #M21004721), doing business as Irie Mortgage, powered by Tango Financial Mortgage (ON) Corporation (FSRA Brokerage Lic. #13691). "We", "us" and "our" mean Phillip Williams and Irie Mortgage, acting through Tango Financial. We follow Canada's Personal Information Protection and Electronic Documents Act (PIPEDA).

What we collect

• Contact details: your name, email and phone number.
• Details you give us about your situation: province, home value, mortgage balance and rate, payments, renewal date, other debts, savings, household income and living costs, and your goals.
• Booking details: the time you choose for a call.
• Basic site data: pages visited and device type, through cookies or similar tools, used to keep the site working and to measure our marketing.

The numbers you type into the payoff calculator are processed in your browser. They are sent to us, with your name and email, only when you ask us to email you your results. If you start the assessment and leave before finishing, your answers are saved only in your own browser so you can pick up where you left off. They are cleared once you submit.

Why we collect it

• To email you the results you asked for.
• To contact you about your request and prepare for your call.
• To review your mortgage options, if you ask us to.
• To send you mortgage tips and offers by email, only if you ticked the box to receive them.
• To meet our legal and regulatory obligations as a licensed mortgage brokerage.

Consent

By submitting a form, you consent to us using your information for the purposes above. Marketing emails need your separate, express consent, which you give only by ticking the optional box. You can withdraw any consent at any time by emailing info@iriemortgage.com or clicking "unsubscribe" in any email. Withdrawing consent may mean we can't complete your request.

Credit checks

We do not run a credit check through this site. If you later apply for a mortgage, we will ask for your separate written consent before obtaining a credit report.

Who we share it with

• Tango Financial, our brokerage, for supervision, compliance and record keeping.
• Lenders and insurers, only if you apply for a mortgage and authorize us to submit your information.
• Service providers that help us run our business, such as our customer relationship management, email, spreadsheet and scheduling tools. They may store information outside Canada, including in the United States, where it may be accessible to authorities under local law. They may use it only to provide services to us.
• Regulators or others when the law requires it.

We never sell or rent your personal information.

How long we keep it

We keep your information only as long as needed for the purposes above, or as long as regulations require mortgage brokerages to keep records. Then we securely delete it.

How we protect it

We use reasonable safeguards, including password-protected systems and limited access, to protect your information from loss, theft and unauthorized use.

Your rights

You can ask to see the personal information we hold about you, ask us to correct it, or ask us to stop contacting you. Email info@iriemortgage.com or call 647-613-4721. We'll respond within 30 days.

Questions or complaints

Contact Phillip Williams at info@iriemortgage.com or 647-613-4721. You can also contact Tango Financial's compliance team. If you're not satisfied, you can contact the Office of the Privacy Commissioner of Canada at priv.gc.ca.

Changes

We may update this policy. The effective date at the top shows when it last changed.

About these terms

These terms apply to your use of this website, and the Mortgage Freedom Calculator (together, the "Tools"), provided by Phillip Williams, Mortgage Agent (FSRA Lic. #M21004721), Irie Mortgage, powered by Tango Financial Mortgage (ON) Corporation (FSRA Brokerage Lic. #13691). By using the site or the Tools, you agree to these terms.

Educational use only

The Tools are for general education and planning. They are not personalized mortgage, financial, tax or legal advice. Results are estimates based on the numbers you enter and on assumptions, such as your interest rate staying the same until payoff. Your actual results will differ.

Not an offer or approval

Nothing on this site is an offer to lend, a pre-approval or a commitment of any kind. All mortgages are subject to lender approval and terms.

Check with your lender

Before making extra payments, confirm your prepayment privileges with your lender. Paying more than your privileges allow may trigger a prepayment penalty. You are responsible for decisions you make using the Tools.

Your use of the Tools

You may use the Tools for your own personal planning. You may not copy, resell, republish or redistribute them, or present them as your own work.

Accuracy and availability

We work to keep the Tools accurate, but we don't guarantee they are error-free, complete or always available. We may change or remove them at any time.

Limitation of liability

The Tools are provided free and "as is". To the extent the law allows, we are not liable for any loss or damage arising from your use of the site or the Tools, or from decisions made based on them. Nothing in these terms limits liability that cannot be limited by law.

Links to other sites

We may link to other websites. We aren't responsible for their content or privacy practices.

Governing law

These terms are governed by the laws of Ontario and the federal laws of Canada that apply there.

Contact

Phillip Williams, Irie Mortgage · 647-613-4721 · info@iriemortgage.com