Fred Camingal — First-Time Homebuyer Services
Effective Date: October 13, 2026
Website: fredcamingal.com and associated subdomains
Fred Camingal ("I," "me," or "my") respects your privacy and is committed to handling your personal information responsibly.
This Privacy Policy explains how information is collected, used, disclosed, stored, and protected when you visit my website, complete the Scarborough First-Home Finder, request property information, or contact me about real estate services.
Real estate services are provided through Right at Home Realty Inc., Brokerage.
Mortgage-related services, where separately requested, are provided through Pegasus Mortgage Lending Centre, FSRA Brokerage Licence #11479.
Depending on how you interact with the website, I may collect:
Contact information: Your name, email address, telephone number, and other details you voluntarily provide.
Homebuying preferences: Your preferred neighbourhoods, estimated purchase budget, desired property type, lifestyle priorities, and buying timeline.
Financing readiness: General information you voluntarily share about your mortgage pre-approval status or interest in financing assistance.
Appointment information: Information submitted when you schedule a consultation.
Website information: Technical information such as browser type, device information, pages visited, referral source, and IP address, where collected through website or analytics tools.
Communications: Information you provide through emails, forms, messages, or other inquiries.
The First-Home Finder is not intended to collect sensitive financial documents, banking passwords, Social Insurance Numbers, or detailed mortgage application information.
I use personal information for purposes that may include:
Providing neighbourhood recommendations and responding to homebuying inquiries.
Understanding your property preferences and identifying potentially relevant homes.
Arranging and managing consultations.
Providing real estate information and services you request.
Sending property updates, educational information, and promotional emails where permitted by applicable law.
Maintaining contact records and managing client relationships.
Improving website functionality and understanding visitor engagement.
Complying with applicable legal and regulatory obligations.
I do not treat completion of the neighbourhood quiz as automatic consent to receive unrelated mortgage marketing.
If you choose to subscribe to property updates or other marketing communications, I may contact you using the methods covered by your consent.
Marketing emails will include an unsubscribe mechanism as required by applicable law.
You may withdraw your marketing consent at any time by using the unsubscribe link in an email or contacting me directly.
Withdrawing marketing consent will not necessarily prevent communications required to respond to an existing inquiry, manage an appointment, or fulfill other lawful obligations.
Requests for mortgage-related marketing communications will be handled separately where appropriate.
Your information may be shared with service providers that help operate this website and deliver requested services, including:
GoHighLevel / LeadConnector: Website forms, contact management, customer relationship management, and communications.
TidyCal: Online appointment scheduling.
Website hosting, email, analytics, and technical service providers: Where these services are actually enabled.
Right at Home Realty Inc., Brokerage: Where appropriate for real estate service delivery, supervision, or regulatory obligations.
Pegasus Mortgage Lending Centre: Only where appropriate and permitted for separately requested mortgage services, or otherwise authorized or required by law.
Personal information may also be disclosed where required or permitted by law.
I do not sell personal information to third-party advertisers.
I take reasonable steps to protect personal information against unauthorized access, loss, misuse, and disclosure.
Information may be stored or processed by third-party service providers in Canada or other jurisdictions, including the United States, and may be subject to the laws of those jurisdictions.
No internet-based system can guarantee absolute security.
Personal information is retained only as long as reasonably necessary for the purposes for which it was collected, subject to applicable legal, professional, regulatory, and recordkeeping requirements.
When information is no longer required, it will be securely deleted, anonymized, or otherwise handled in accordance with applicable requirements.
The website may use cookies and similar technologies to support website functionality, understand visitor activity, and measure marketing performance.
Where analytics, advertising pixels, or other non-essential tracking technologies are enabled, additional notices or consent controls may be provided as required by applicable law.
You can manage certain cookies through your browser settings.
You may contact me to request access to your personal information, ask for corrections, withdraw consent, or inquire about how your information is handled.
Requests will be addressed in accordance with applicable privacy laws, subject to lawful exceptions and retention requirements.
This website may link to third-party services, including TidyCal and external property information websites.
These third parties may have their own privacy policies and information-handling practices. Please review their policies before providing information directly to them.
This website is intended for adults seeking real estate information and services. It is not designed to knowingly collect personal information from children.
This Privacy Policy may be updated periodically to reflect changes in website operations, service providers, business practices, or legal requirements.
The latest version will be posted on this website with its effective date.
For questions or concerns about this Privacy Policy, please contact:
Fred Camingal
Right at Home Realty Inc., Brokerage
1396 Don Mills Road, Suite B121
Toronto, Ontario M3B 0A7
Email: [email protected]
Phone: 416-670-8598
Privacy contact: Tim Andrada - [email protected]
This policy applies to the website activities described above. Separate privacy notices or documentation may apply when entering into formal real estate or mortgage service relationships.