Privacy Policy

[last updated December 26, 2022]

Privacy Policy

[last updated December 1, 2022]

The business of is marketing and involves the collection of Personal Information from individuals who may be interested in a specific type of service, and the sale of this personal information to our clients, who are businesses that provide services in the area for which the personal information was collected.

We use advertising, for example on social media sites, to attract individuals that may be suited for business products or services of our clients. We are up front and open about what we do, and this Privacy Policy sets out how we collect your personal data, what we do with it, who we give it to, how we keep it safe and how long we store it for. Although we sell personal data, we believe that transparency is important, and we strive to do our best to protect your personal information in accordance with this Privacy Policy.


When we talk about ‘us’, we mean and the entity detailed in the Schedule. We are the operator of this website. When we talk about ‘you’, we mean the person using this website or services of this website or participating in any surveys, questionnaires or quizzes produced by this website. When we talk about ‘client’ we mean the business or businesses that engage or deal with us to purchase the information we collect. Our client(s) details are listed in the schedule.

‘Personal data’ or ‘personal information’ is information that directly identifies you, such as your name and email address, or data that could be used, on its own or in combination with other data, to identify you.

It is very important to us to protect your personal data and to use it strictly in adherence with applicable privacy and data protection laws.


You can browse our website anonymously, although cookies may be collected. You will not be able to access surveys or questionnaires anonymously.


We collect personal data about you when you give it to us or explicitly consent for it to be given to us. This generally occurs when you complete an online form, survey, quiz or questionnaire in which case you have chosen to consent to the collection and subsequent sale of your personal data.

We collect and process the minimum amount of information we need to be able to sell your details to our client, so that our client is able to contact you about their services and deliver effectively to you the service you have expressed interest in, or to fulfil a service contract, or to meet a legal obligation. How much data we collect depends on the type of service you have expressed an interest in. This information can include:

  • your first name and last name
  • your email address
  • your phone number
  • your postal address
  • your gender and age
  • your employment status
  • if you are a homeowner and, if so, your property value and how much you owe
  • if you are wishing to borrow, the amount wish to borrow and for what time period

We will not seek sensitive personal data from you, such as health details or information revealing your religious beliefs or ethnic origin.

Other than listed above, we do not collect financial information relating to you such as bank card details.

If you partially complete an inquiry, we may follow up with you to make sure you did not forget to complete the inquiry. 


We may also use ‘cookies’ on our website to provide a way for the website to recognise you and keep a track of your preferences, and to enable you to contact us directly from the website. Cookies may also be used to optimise website speed for your convenience, to allow you to customize our web pages and so that you do not have to keep filling in your details repeatedly. We may collect information about your IP address and how you used our site.

That data collected by cookies does not usually identify you, but may be combined with other information to identify you. If we identify you using information from cookies, we may use that information to track how you use our website and send you information more specific to your needs, or to invite you to purchase one of our services.


We sell your personal data to our clients who may use your personal data to contact you about products or services they deliver or sell. It allows us to align the products and services of our Clients as closely as possible to your needs and situation. Our clients may then contact you to offer or market their services to you.

We process data by selling it and transferring it to our clients to enable our clients to deliver to you, products, services and information that you have expressed interest in, or that are compatible with the reason you provided your personal data. We may do this because you gave your consent. Once we have delivered your personal data to our client, that client becomes the controller of your personal data and they will treat your personal data in accordance with their privacy policy. Once your personal data has been delivered to our client we are no longer responsible for your personal data. Our clients have their own privacy policies in relation to the data they hold or process. You can ask them about their privacy policy when they contact you.

We may also process your usage data (your IP address, geographical location, manner in which you used our site etc) for our legitimate business purpose of monitoring and improving our website.

We will also disclose your personal data where legally compelled to do so.


The personal data you provide to us is stored with strict security to ensure data protection, integrity and confidentiality. While we do our best to ensure the security of your data, no storage is 100% secure and we cannot guarantee the safety of your data. Your data is then transferred to our Client. Such a transfer may include transfer of information across boarders depending on where the Client is. This means your data may be transferred to, and stored, computers outside of your state or country and the data protection laws may be different from those where you live. By agreeing to this policy, you agree to such a transfer.

Data is deleted from our storage every 30 days. This means, if we have collected your personal data, we will delete it within 31 days.


We do not intend to collect the personal data of persons under the age of 13. If you are the guardian of a minor and suspect they may have provided us with their personal information, please contact us and request to have the minor’s personal information destroyed (use the contact information in the schedule below).


At your request, we will tell you what personal data about you is being processed, on what basis, and by whom. If you decide your data should not be processed for one or more purposes, you may withdraw your consent from using your data in that way. Please note that we will action your request as soon as practically possible however such a request will not take effect immediately and you may still be contacted by our client in the meantime.

You may amend inaccurate, incomplete or outdated personal data at any time by applying directly to us using the contact information in the schedule below.

You may also request that all personal data we have collected about you be deleted from our records and erased from information stored by any third party organisations processing data on our behalf. We have implemented an ongoing destruction process so that any collected data is securely destroyed within 31 days of collection.

If data we have collected about you is processed using automated means, you have the right to receive that data in a structured, machine-readable format and to transmit it to another data controller without hindrance.


Please let us know if you have any requests, feedback or concerns regarding the way we manage your personal data. Use the contact details listed in the below schedule. We will respond to you within 30 days and take action, within reason, as quickly as possible.

If you are not happy with how we manage your concerns, you can contact your local data protection supervisory office.

Changes to this Privacy Notice

 It is important to us that our privacy notice is regularly reviewed and we will do so to keep it relevant and up to date with changing laws. We will notify you of any changes by posting the new policy on this page. This privacy policy was last updated on December 2022.

Where used in this privacy policy, we and us means This website is owned and operated by Guardian Lend.

Data Protection Act Registration Number ZA 148876

Our principal place of business is in Toronto, Ontario, Canada

Our clients are made up of categories of business types. When we talk about our clients in this privacy policy we mean

Our clients are authorised and regulated debt solution providers in North America.

If you have questions about your information we hold or how we use it, please contact us via email at:

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Questions? Here are the answers.

Can I get a better rate if I already have a mortgage?

Yes! refinancing may be a good option, where you obtain a new mortgage to pay off an existing mortgage. You can often get a lower interrest rate, change the duration of your mortgage, and/or switch from a fixed to variable rate mortgage.

How does having a guarantor help me qualify for a mortgage?

With the right terms and structure, having a guarantor can greatly improve your chances of getting approved for a mortgage. This is especially true for those with a limited credit history or lower income. If you are fortunate enough to have a guarantor, we can help you find the right solution for you.

How long does it take to get a mortgage?

We get it, sometimes you need to get approved fast to get your dream home! Our mortgage specialists are ready to work with you in a crunch to help you meet your tight deadlines. Every situation is different so timelines vary, but we’ll work fast and guide you in stages, starting with the pre-approval all the way to closing.

What types of mortgages do you provide?

Our mortgage specialists provide all sorts of mortgages to suit your needs. whether you are a first-time buyer, refinancing, looking to take equity out of your home, or looking for uniquely structured mortgages like guarantor-backed mortgages. We are here to help!