1457 McCowan Rd suite 202, Scarborough, Toronto, ON M1S 5K7, Canada
Privacy Policy
Privacy Policy for Maria Lacayo – Mortgage Agent
Pegasus Mortgage Lending Center Inc.
FSRA License #11479 • Agent License M250003012
Last Updated: November 26 2025
1. Introduction
Your privacy is important to me. This Privacy Policy explains how I collect, use, store, and protect your personal information when you visit my website, submit a form, or work with me as your mortgage agent in Ontario.
By using this website, you consent to the practices outlined in this policy.
2. Contact Information
Mortgage Agent: Maria Lacayo
Brokerage: Pegasus Mortgage Lending Center Inc.
Email: mortgage@marialacayo.ca
Phone: +1.905.466.1474
For any privacy-related questions, you may contact me directly.
3. Information I Collect
A. Information You Provide Directly
When you submit a form or contact me, you may provide:
- Name
- Email address
- Phone number
- Financial goals
- Mortgage details
- Documents uploaded through secure channels
- Any information you choose to share voluntarily
B. Information Collected Automatically
My website may automatically collect:
- IP address
- Browser type
- Device information
- Pages visited
- Cookies and tracking technologies
This information helps improve site performance and user experience.
4. Use of Personal Information
Your information is used for:
- Understanding your mortgage needs
- Preparing personalized mortgage options
- Communicating with you about services
- Submitting applications to lenders (with your consent)
- Providing updates and educational content
- Improving website functionality
- Meeting regulatory and legal requirements (including FSRA compliance)
I do not sell, rent, or trade your personal information.
5. Sharing of Information
Your personal information may be shared with:
- Pegasus Mortgage Lending Center Inc.
- Lenders, financial institutions, or insurers (only with your approval)
- Credit bureaus (when authorized for applications)
- Legal or regulatory bodies (when required by law)
- Trusted third-party service providers such as secure document portals, CRM systems, or email tools
All third parties must comply with privacy standards and confidentiality requirements.
6. Cookies & Tracking Technologies
This website may use:
- Cookies
- Analytics tools (e.g., Google Analytics)
- Pixels (e.g., Facebook Pixel)
These tools help understand site traffic, improve marketing performance, and personalize content.
You can disable cookies in your browser settings at any time.
7. Security of Your Information
I take reasonable measures to protect your information through:
- Secure servers
- Encrypted document upload systems
- Restricted access
- Compliance with FSRA and Canadian privacy laws
However, no online transmission is 100% secure. I encourage you to avoid sending sensitive documents via unencrypted email.
8. External Links
My website may contain links to external sites. I am not responsible for the privacy practices of those websites. Please review their privacy policies before providing personal information.
9. Your Rights
As an Ontario consumer, you have the right to:
- Access your personal information
- Request corrections
- Withdraw consent (subject to legal requirements)
- Ask for your data to be deleted (when applicable)
- Limit the use of your information for marketing
To exercise these rights, contact me using the information above.
10. Email Marketing & Communication
By providing your email, you consent to receiving:
- Mortgage updates
- Financial education
- Promotions or offers
You can unsubscribe at any time by clicking “unsubscribe” or contacting me directly.
11. Retention of Information
Your information is retained only as long as necessary to:
- Complete your mortgage request
- Meet legal, regulatory, and audit requirements
- Maintain professional records
12. Children’s Privacy
This website is not intended for individuals under 18. I do not knowingly collect personal information from minors.
13. Changes to This Policy
I may update this Privacy Policy from time to time. The “Last Updated” date at the top will reflect any changes.
14. Acceptance of This Policy
By using the website, you confirm that you have read, understood, and agreed to this Privacy Policy.
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Mortgage Industry Compliance Disclaimer (Ontario)
Maria Lacayo — Mortgage Agent, Level 2
Licence # M250003012
Pegasus Mortgage Lending Center Inc.
Brokerage Licence # 11479
The information provided on this website is for general informational purposes only and does not constitute financial or mortgage advice. All mortgage products, rates, terms, and approval criteria are subject to change at any time without notice and may vary based on individual qualifications and lender guidelines.
Nothing on this website should be interpreted as an offer to lend. Mortgage approvals are not guaranteed, and final lending decisions are made solely by the lender after a full application, verification of documents, credit review, and underwriting assessment.
While every effort is made to ensure accuracy, Pegasus Mortgage Lending Center Inc. and its agents do not guarantee the completeness or reliability of the information presented. Visitors should not rely solely on website content when making financial decisions. You are encouraged to seek personalized advice from a licensed mortgage professional, financial advisor, or other qualified specialist before acting on any information provided.
Submitting an inquiry or application through this website does not create a client–agent relationship and does not obligate you to proceed with any mortgage transaction.
Some products and services may not be available in all areas of Ontario or to all applicants.
FSRA regulates mortgage brokerages, brokers, agents, and administrators in Ontario.
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1. Política de Privacidad (Spanish Translation)
Política de Privacidad
Última actualización: 26 de noviembre 2025
Esta Política de Privacidad describe cómo recopilamos, usamos y protegemos la información personal que proporcionas al visitar este sitio web o al utilizar nuestros servicios hipotecarios.
Información que recopilamos
Podemos recopilar la siguiente información:
- Información personal proporcionada por ti, como nombre, correo electrónico, número telefónico y detalles relacionados con tu solicitud hipotecaria.
- Información automáticamente recopilada, como dirección IP, tipo de navegador, páginas visitadas y duración de la visita.
- Información enviada a través de formularios de contacto, solicitudes de consulta o aplicaciones preliminares.
Cómo utilizamos tu información
Utilizamos tu información para:
- Proporcionar asesoría hipotecaria y responder a tus solicitudes.
- Evaluar tu elegibilidad para productos hipotecarios.
- Comunicarnos contigo con actualizaciones, recursos educativos o información relevante.
- Mejorar el rendimiento y la experiencia de este sitio web.
Protección de tu información
Tomamos medidas razonables para proteger tu información personal contra acceso no autorizado, divulgación o pérdida. Sin embargo, ningún método de transmisión por Internet es completamente seguro.
Compartir información
Podemos compartir tu información únicamente con:
- Prestamistas hipotecarios y proveedores relacionados, como parte del proceso de evaluación.
- Proveedores de servicios que ayudan en operaciones del sitio web o comunicación.
- Cuando lo exija la ley o una autoridad reguladora.
Nunca vendemos tu información personal.
Cookies y tecnologías similares
Usamos cookies para mejorar tu experiencia y analizar el uso del sitio. Puedes desactivarlas desde la configuración de tu navegador.
Tus derechos
Puedes solicitar acceso, corrección o eliminación de tu información personal comunicándote con nosotros.
Cambios a esta política
Podemos actualizar esta Política de Privacidad ocasionalmente. Las actualizaciones se publicarán en esta página.
Contacto
Si tienes preguntas sobre esta Política de Privacidad, puedes contactarme en:
mortgage@marialacayo.ca
+1.905.466.1474
2. Mortgage Industry Compliance Disclaimer (Spanish Translation)
Descargo de Responsabilidad — Industria Hipotecaria (Ontario)
Maria Lacayo — Agente Hipotecaria, Nivel 2
Licencia # M250003012
Pegasus Mortgage Lending Center Inc.
Licencia del corredor # 11479
La información proporcionada en este sitio web es únicamente para fines informativos generales y no constituye asesoría financiera ni hipotecaria. Todos los productos hipotecarios, tasas, términos y criterios de aprobación están sujetos a cambios sin previo aviso y pueden variar según la situación individual y las políticas de cada prestamista.
Nada en este sitio debe interpretarse como una oferta de préstamo. No se garantiza la aprobación hipotecaria. Las decisiones finales pertenecen exclusivamente al prestamista después de recibir la solicitud completa, verificar documentos, revisar el historial crediticio y realizar la evaluación de riesgo correspondiente.
Aunque se hace todo lo posible para garantizar la exactitud de la información presentada, Pegasus Mortgage Lending Center Inc. y sus agentes no garantizan que el contenido esté completo o libre de errores. No debes basarte únicamente en la información de este sitio para tomar decisiones financieras. Se recomienda obtener asesoría personalizada de un profesional hipotecario con licencia o un asesor financiero calificado.
Enviar una consulta o formulario a través de este sitio no crea una relación cliente-agente ni te obliga a continuar con un trámite hipotecario.
Algunos productos o servicios pueden no estar disponibles en todas las áreas de Ontario o para todos los solicitantes.
FSRA regula a los corredores, agentes, administradores y compañías hipotecarias en Ontario.