Privacy Policy

Effective Date: January 1, 2026 | Last Updated: January 1, 2026

AEON&T Financial and Investment ("the Brokerage") and Ganliang Lin, Mortgage Broker, BCFSA Licence No. MB604892 ("the Licensee"), take the protection of your personal information seriously. This Privacy Policy explains how we collect, use, disclose, and protect your personal information.

This policy is prepared in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and British Columbia's Personal Information Protection Act (BC PIPA).

1. Information We Collect

In providing mortgage brokerage services, we may collect the following types of personal information:

Identity information: name, date of birth, ID numbers, immigration documents
Contact information: phone, email, address, WeChat ID
Financial information: income, assets, liabilities, credit history, bank account details
Employment information: employer name, position, years of service
Property information: property address, valuation, mortgage details
Any other information you voluntarily provide

2. How We Use Your Information

Your personal information may be used for the following purposes:

Assessing your mortgage needs and matching suitable mortgage solutions
Submitting mortgage applications to lenders
Communicating with you about your application and related matters
Complying with BCFSA and other regulatory requirements
Internal record-keeping and business analysis

3. Disclosure of Personal Information

We may disclose your personal information in the following circumstances:

To lenders, insurers, or service providers to process your mortgage application
To credit reporting agencies for inquiries or reporting
To regulators when required by law or court order
With your explicit consent

We do not sell, rent, or otherwise use your personal information for purposes without your consent.

4. Protection of Personal Information

We take reasonable technical and organizational measures to protect your personal information, including encryption during transmission, access controls, and secure storage. However, no internet transmission is completely secure, and we cannot guarantee absolute security during transmission.

5. Retention of Personal Information

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, or as required by law. BCFSA requires mortgage brokerage records to be retained for at least seven years. After the retention period, information is securely destroyed or anonymized.

6. Your Rights

Under PIPEDA and BC PIPA, you have the right to:

Access personal information we hold about you
Request correction of inaccurate or incomplete information
Withdraw consent for certain uses (subject to legal and contractual restrictions)
File a complaint with us regarding privacy concerns

To exercise these rights, contact us using the details below. We will respond within a reasonable time.

7. Cookies and Tracking

This website may use cookies and similar technologies to improve user experience and analyze website traffic. You can manage or disable cookies through your browser settings, though this may affect some website functionality.

8. Third-Party Links

This website may contain links to third-party websites. We are not responsible for their privacy practices or content. We encourage you to review the privacy policies of any third-party site you visit.

9. Privacy Officer Contact

For questions or complaints about this Privacy Policy, contact our Privacy Officer:

Privacy Officer: Ganliang Lin
Direct: (604) 780-9668
Email: ganlianglin@gmail.com
Office: (647) 898-1281
Office Email: aeontfinancial@gmail.com
Address: 7240 Woodbine Ave, Unit 210, Markham, Ontario L3R 1A4

10. Policy Updates

We may update this Privacy Policy from time to time. The updated version will be posted on this website with the updated date. We encourage you to review this page periodically.