Privacy Policy

Effective Date: January 1st, 2025

1. Introduction Genesis Group (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website [https://thegenesisgroup.ca] (the “Website”).

By using our Website, you agree to the terms of this Privacy Policy. If you do not agree with the terms, please do not access or use our Website.

2. Information We Collect

2.1 Personal Information We may collect personally identifiable information (“Personal Information”) that you voluntarily provide to us when you fill out forms, subscribe to newsletters, request information, or otherwise engage with our services. This information may include:

  • Full Name
  • Email Address
  • Phone Number
  • Mailing Address
  • Financial Information (for mortgage consultations)
  • Any other information you provide

2.2 Non-Personal Information We may collect non-personally identifiable information about you automatically when you visit our Website, including:

  • IP Address
  • Browser Type
  • Operating System
  • Referral URL
  • Time and Date of Access
  • Clickstream Data

2.3 Cookies and Tracking Technologies We use cookies, web beacons, and similar tracking technologies to improve your browsing experience. You can control or disable cookies through your browser settings.

3. How We Use Your Information We use the information we collect for various purposes, including:

  • Providing and improving our services
  • Processing mortgage applications
  • Responding to your inquiries
  • Sending newsletters and promotional materials
  • Analyzing website usage and trends
  • Complying with legal obligations

4. Disclosure of Your Information We do not sell, rent, or trade your Personal Information. However, we may share your information with:

  • Service Providers: Third-party vendors who assist in operating our Website and business.
  • Legal Compliance: When required by law or to protect our legal rights.
  • Business Transfers: In the event of a merger, acquisition, or sale of assets.

5. Data Security We implement appropriate technical and organizational measures to protect your information from unauthorized access, use, or disclosure. However, no data transmission over the internet is 100% secure.

6. Your Rights and Choices Depending on your location, you may have the following rights regarding your Personal Information:

  • Access to your data
  • Correction of inaccurate information
  • Deletion of your data
  • Restriction of processing
  • Data portability
  • Withdrawal of consent

To exercise any of these rights, please contact us at [Insert Contact Email].

7. Third-Party Links Our Website may contain links to third-party sites. We are not responsible for the privacy practices or content of these sites. Please review their privacy policies.

8. Retention of Data We will retain your information only as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required by law.

9. Children’s Privacy Our Website is not intended for children under 18. We do not knowingly collect personal information from individuals under the age of 18.

10. Changes to This Privacy Policy We may update this Privacy Policy from time to time. The updated version will be posted with a revised “Effective Date.” We encourage you to review the Privacy Policy periodically.

11. Contact Us If you have any questions about this Privacy Policy or how we handle your data, please contact us:

Genesis Group
18-487 Westney Rd. S, Ajax, ON L1S 6W7
Email: [email protected]
Phone: +1-866-404-3637

By using our Website, you acknowledge that you have read and understood this Privacy Policy.

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5 Year - Variable

4.45%

This exclusive rate is available for High Ratio Mortgages and applies to both new purchases and some mortgage switches. With a guaranteed rate of Prime -1.00%, you’ll enjoy the freedom to make extra payments or increase your monthly payments by up to 20% per year.

And the best part? This is a full-frills mortgage—no hidden surprises or restrictive clauses like a bona fide sales clause!

Prime Rate @ 5.45%

4.45% - 5.50%

If you don’t qualify for our lowest advertised rate, don’t worry! We have other competitive options tailored to your needs. Factors such as your credit score and home equity will determine your final rate.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

5 Year - Open

4.95%

Enjoy a rate discount starting from Prime -0.50% for your term. This 5-year Adjustable Rate Mortgage (ARM) offers unmatched flexibility: pay it, lock it, break it, or change it—with no restrictions or penalties.

Perfect for insured, insurable, and uninsured new purchases and switches, this option is available for owner-occupied properties only.

Prime Rate @ 5.45%

4.95% - 6.75%

If you don’t qualify for our lowest advertised rate, don’t worry—there are still excellent low-rate options for you! Your final rate depends on factors such as your credit rating and home equity.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

5 Year - Fixed

4.24%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.24% - 5.69%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

4 Year - Fixed

4.59%

Take advantage of this competitive rate available for High Ratio purchases and select Insured transfers! Enjoy the flexibility of making up to 20% lump sum payments annually and increasing your regular payments by up to 20%. This is a full-featured mortgage designed to give you the freedom and flexibility you need. 

4.59% - 6.84%

If you don’t qualify for our lowest advertised rate, don’t worry—we’ve got a variety of low-rate options to fit your needs. The rates shown above reflect realistic scenarios and are influenced by factors like credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

3 Year - Fixed

4.39%

Take advantage of this fantastic rate available exclusively for High Ratio deals! With the flexibility to make up to 15% lump sum payments annually and the option to increase your regular payments by up to 15%, this is a full-featured mortgage that adapts to your needs. Lock in this rate for up to 120 days and plan your homeownership journey with confidence.

4.39% - 5.79%

Don’t worry if you don’t qualify for our lowest advertised rate—we’ve got you covered with a range of low-rate options tailored to fit your unique circumstances. The rates above reflect realistic scenarios based on factors such as credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

2 Year - Fixed

4.84%

Lock in this competitive rate for High Ratio purchases! Enjoy the flexibility of making up to 20% lump sum payments annually, plus the option to increase your regular payments by up to 20%—perfect for managing your mortgage your way. Secure this rate for up to 120 days, giving you the confidence to plan ahead.

4.84% - 6.19%

Even if you don’t qualify for our lowest advertised rate, we’re here to help with a variety of competitive options designed to meet your needs. The rates above reflect realistic possibilities based on factors such as your credit score, home equity, and financial profile.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!

1 Year - Fixed

5.49%

Unlock this exclusive low rate for High Ratio purchases and Switches. Enjoy up to 20% lump sum payments annually and the flexibility to increase your payments by 20%! Plus, lock in this fully-loaded mortgage rate for up to 120 days—no hidden restrictions, just exceptional value.

5.49% - 6.99%

Even if you don’t qualify for our lowest rate, we’ve got plenty of low-rate options tailored to fit your unique situation. Your final rate depends on factors like your home equity and credit score, but with Genesis, you’ll always get the best-possible rate for your needs.

Note: Additional premiums may apply for rental properties, extended amortizations, non-standard properties, or alternative lending solutions.

Secure Your Best Rate Today!