Privacy Policy
Privacy Policy
Welcome
Your privacy and trust are important to Manzil. This Privacy Policy explains how personal information is collected, used, disclosed, retained, and protected by Murabaha Inc. o/a Manzil, together with its affiliated entities (collectively, “Manzil,” “we,” “us,” or “our”).
This Privacy Policy applies to personal information collected through Manzil’s websites, platforms, products, services, and interactions with customers, prospective customers, and job applicants.
COLLECTION AND USE OF PERSONAL INFORMATION
Legal Affiliates
This Privacy Policy is provided on behalf of Murabaha Inc., operating as Manzil, together with its affiliated entities (collectively, “Manzil”), including:
Murabaha Inc. (o/a Manzil)
Manzil Mortgage Services Inc.
Manzil Money Services Inc.
Manzil Investment Services Inc.
Manzil Inc.
References in this Privacy Policy to “Manzil,” “we,” “us,” or “our” include all of the entities listed above, unless the context indicates otherwise.
Table of Contents
Scope of This Privacy Policy
Product Availability
Personal Information
Accountability
Personal Information We Collect
How We Use Personal Information
Data De-Identification and Aggregation
Profiling and Automated Decision-Making
Use of Artificial Intelligence
Key Partnerships
Marketing Communications
Disclosure of Personal Information
Third-Party Websites and Services
Safeguards and Retention
Privacy Breach Notification
Your Rights
Changes to This Privacy Policy
Contact Us
1. Scope of This Privacy Policy
This Privacy Policy applies to personal information collected in connection with:
Manzil Mortgages
Manzil Invest
Manzil Wills
Manzil Realty
Manzil Money
Manzil websites, applications, and digital platforms
Communications and interactions with Manzil (including customer support and recruitment)
This Privacy Policy continues to apply for as long as we retain personal information, including after you stop using a Manzil product or service.
This Privacy Policy is intended to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and substantially similar provincial privacy legislation, including Alberta’s Personal Information Protection Act (PIPA), British Columbia’s Personal Information Protection Act (PIPA), and Quebec’s Act respecting the protection of personal information in the private sector, as applicable.
2. Product Availability
Certain Manzil products may not be available in all jurisdictions.
3. Personal Information
Personal information means information about an identifiable individual, as defined under applicable privacy laws. This may include identification and contact details, financial and employment information, government-issued identifiers, and online identifiers such as IP address or device information.
Some personal information we collect may be considered sensitive, such as financial or credit-related information. We collect such information only when necessary to provide our products or services, meet legal or regulatory obligations, or with your consent.
This Privacy Policy does not apply to information that is not considered personal information under applicable law.
4. Accountability
Manzil is responsible for personal information in its possession or control, including personal information transferred to service providers for processing on our behalf. We take reasonable steps to require service providers to protect personal information through appropriate safeguards.
Personal information may be processed or stored outside of Canada by service providers acting on our behalf. Where this occurs, we require contractual and other safeguards to provide a level of protection comparable to that required under Canadian privacy laws.
5. Personal Information We Collect
We collect only the personal information that is reasonably necessary to provide our products and services, meet legal and regulatory requirements, and operate and secure our platforms. The information we collect depends on your relationship with Manzil (for example, customer, applicant, website visitor, or job applicant).
Our products and services are intended primarily for individuals who have reached the age of majority in their jurisdiction, except where information about minors is provided by an authorized adult for legitimate purposes such as estate planning.
Information You Provide
Identification and contact information
Account and authentication information (excluding passwords or access credentials)
Financial and employment information
Mortgage and property information
Verification documents
Wills and estate planning information
Please do not provide account numbers, passwords, or access credentials.
Communications and support information
Support access to Wills documents may require your consent and is limited to what is necessary
Employment application information
Information about other individuals (where you have authority and consent)
Information Collected Automatically
IP address, device, and browser information
Usage and interaction data
Cookies and similar technologies (manageable via browser settings)
Information from Third Parties
Credit reporting agencies (with consent)
Appraisers, financial institutions, verification providers
Corex Financial Inc., a registered Portfolio Manager and Investment Fund Manager
Real estate partners, including eXp Realty Canada, where you request or use Manzil Realty services, for the purpose of facilitating real estate transactions and related professional services.
Backup servicers, trustees, custodians, and title custody providers, where applicable, in connection with mortgage funding, servicing continuity, document custody, security interests, and regulatory or investor requirements
Optional third-party bank verification partners (no credentials collected)
Account Security
You should never share your account passwords or authentication credentials with anyone. Manzil will never ask you to provide your password or access credentials in any unsolicited communication. If you receive an email or communication from Manzil that you believe is suspicious, please visit https://www.manzil.ca/contact-us to verify.
6. How We Use Personal Information
We process personal information with your consent, to perform or administer a product or service you request, or as otherwise permitted or required by law.
We use personal information to:
Provide and administer products and services
Verify identity and information
Assess eligibility and manage risk
Detect and prevent fraud
Communicate with you and provide support
Meet legal and regulatory obligations
Develop, improve, and personalize products and services, including analytics and research
Call Recording
Telephone calls with Manzil representatives may be monitored or recorded for training, quality assurance, and compliance purposes. Where required by applicable law, you will be notified at the beginning of the call. If you do not wish to have your call recorded, you may request an alternative method of communication, where available.
7. Data De-Identification and Aggregation
Where permitted by law, Manzil may de-identify or aggregate personal information so it can no longer reasonably be used to identify an individual. This information may be used for analytics, reporting, product improvement, research, and performance evaluation, including aggregated mortgage performance reporting for investors. Aggregated and de-identified information may be shared with current or prospective investors for purposes such as analysis and product design.
8. Profiling and Automated Decision-Making
Manzil may use automated systems for identity verification, fraud detection, compliance screening, eligibility assessment, and customer support. You may contact us for more information, subject to legal limitations. Where automated decision-making is used and has a significant impact, you may request meaningful information about the factors considered and request human review of the decision, subject to legal and regulatory limitations.
9. Use of Artificial Intelligence
We may use tools that incorporate artificial intelligence to support customer service, security, fraud prevention, eligibility assessments, and service improvements. Appropriate safeguards are applied consistent with this Privacy Policy. Where automated or AI-assisted tools are used in decision-making processes that may have a significant impact, Manzil applies appropriate human oversight and monitoring to promote fairness, accuracy, and accountability. Artificial intelligence tools may form part of the automated systems described in Section 8. Where required by applicable law, Manzil conducts privacy impact assessments for high-risk data processing activities.
10. Key Partnerships
Manzil Invest
Offered through a strategic partnership with Corex Financial Inc., a registered Portfolio Manager and Investment Fund Manager. Personal information is shared only as necessary to support investment management, fund administration, reporting, and related regulatory and operational functions, and in accordance with applicable laws and partner privacy policies.
Manzil Mortgages
In connection with Manzil mortgage products, personal information may be shared with trusted third parties as necessary to facilitate underwriting, funding, closing, servicing, and ongoing administration, including:
Credit reporting agencies, such as Equifax, for credit assessment and monitoring (with consent where required)
Independent legal professionals who act on your behalf or on behalf of Manzil to complete mortgage closings and related legal documentation
Custodians and trustees, including TSX Trust, where applicable, in connection with mortgage security, title custody, investor reporting, and related administrative functions
Manzil Realty
Offered through a partnership with eXp Canada. Personal information may be shared with licensed real estate professionals to facilitate real estate transactions and related professional services at your request.
11. Marketing Communications
With your consent where required, we may send marketing communications. You may opt out at any time. Transactional or service-related communications may still be sent.
Manzil does not sell personal information and does not disclose personal information for third-party marketing or lead-generation purposes.
12. Disclosure of Personal Information
We may disclose personal information:
To service providers acting on our behalf
To credit bureaus and verification partners
To regulated partners
In aggregated, non-identifiable form
Where required by law
In connection with corporate transactions
13. Third-Party Websites and Services
This Privacy Policy does not apply to third-party websites or services. We encourage you to review their privacy policies before providing personal information.
14. Safeguards and Retention
We maintain reasonable administrative, technical, and physical safeguards to protect personal information. Personal information is retained only for as long as necessary to fulfill the purposes for which it was collected, or as otherwise required by law. For example, certain financial, tax, mortgage, and investment records may be retained for up to seven (7) years or longer where required under applicable tax, securities, or anti-money laundering laws. When no longer required, personal information is securely destroyed, erased, or anonymized.
15. Privacy Breach Notification
In the event of a breach of security safeguards involving personal information that poses a real risk of significant harm, Manzil will notify affected individuals and applicable regulatory authorities (such as the Office of the Privacy Commissioner of Canada and, where applicable, provincial privacy regulators) in accordance with applicable privacy laws. We maintain incident response procedures designed to assess, contain, mitigate, and document privacy breaches. Notification will be provided as soon as feasible in the circumstances, in accordance with applicable law.
16. Your Rights
You may request access to and correction of personal information in our custody or control. You may also request deletion or withdraw consent in certain circumstances, subject to legal and regulatory requirements. We will investigate and respond in a timely and fair manner in accordance with applicable law. Where required by applicable law, you may also request that certain personal information be provided in a structured, commonly used technological format.
17. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The version in effect at the time of collection applies unless you consent otherwise.
Legal Affiliates
This Privacy Policy is provided on behalf of Murabaha Inc., operating as Manzil, together with its affiliated entities (collectively, “Manzil”), including:
Murabaha Inc. (o/a Manzil)
Manzil Mortgage Services Inc.
Manzil Money Services Inc.
Manzil Investment Services Inc.
Manzil Inc.
References in this Privacy Policy to “Manzil,” “we,” “us,” or “our” include all of the entities listed above, unless the context indicates otherwise.
Table of Contents
Scope of This Privacy Policy
Product Availability
Personal Information
Accountability
Personal Information We Collect
How We Use Personal Information
Data De-Identification and Aggregation
Profiling and Automated Decision-Making
Use of Artificial Intelligence
Key Partnerships
Marketing Communications
Disclosure of Personal Information
Third-Party Websites and Services
Safeguards and Retention
Privacy Breach Notification
Your Rights
Changes to This Privacy Policy
Contact Us
1. Scope of This Privacy Policy
This Privacy Policy applies to personal information collected in connection with:
Manzil Mortgages
Manzil Invest
Manzil Wills
Manzil Realty
Manzil Money
Manzil websites, applications, and digital platforms
Communications and interactions with Manzil (including customer support and recruitment)
This Privacy Policy continues to apply for as long as we retain personal information, including after you stop using a Manzil product or service.
This Privacy Policy is intended to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and substantially similar provincial privacy legislation, including Alberta’s Personal Information Protection Act (PIPA), British Columbia’s Personal Information Protection Act (PIPA), and Quebec’s Act respecting the protection of personal information in the private sector, as applicable.
2. Product Availability
Certain Manzil products may not be available in all jurisdictions.
3. Personal Information
Personal information means information about an identifiable individual, as defined under applicable privacy laws. This may include identification and contact details, financial and employment information, government-issued identifiers, and online identifiers such as IP address or device information.
Some personal information we collect may be considered sensitive, such as financial or credit-related information. We collect such information only when necessary to provide our products or services, meet legal or regulatory obligations, or with your consent.
This Privacy Policy does not apply to information that is not considered personal information under applicable law.
4. Accountability
Manzil is responsible for personal information in its possession or control, including personal information transferred to service providers for processing on our behalf. We take reasonable steps to require service providers to protect personal information through appropriate safeguards.
Personal information may be processed or stored outside of Canada by service providers acting on our behalf. Where this occurs, we require contractual and other safeguards to provide a level of protection comparable to that required under Canadian privacy laws.
5. Personal Information We Collect
We collect only the personal information that is reasonably necessary to provide our products and services, meet legal and regulatory requirements, and operate and secure our platforms. The information we collect depends on your relationship with Manzil (for example, customer, applicant, website visitor, or job applicant).
Our products and services are intended primarily for individuals who have reached the age of majority in their jurisdiction, except where information about minors is provided by an authorized adult for legitimate purposes such as estate planning.
Information You Provide
Identification and contact information
Account and authentication information (excluding passwords or access credentials)
Financial and employment information
Mortgage and property information
Verification documents
Wills and estate planning information
Please do not provide account numbers, passwords, or access credentials.
Communications and support information
Support access to Wills documents may require your consent and is limited to what is necessary
Employment application information
Information about other individuals (where you have authority and consent)
Information Collected Automatically
IP address, device, and browser information
Usage and interaction data
Cookies and similar technologies (manageable via browser settings)
Information from Third Parties
Credit reporting agencies (with consent)
Appraisers, financial institutions, verification providers
Corex Financial Inc., a registered Portfolio Manager and Investment Fund Manager
Real estate partners, including eXp Realty Canada, where you request or use Manzil Realty services, for the purpose of facilitating real estate transactions and related professional services.
Backup servicers, trustees, custodians, and title custody providers, where applicable, in connection with mortgage funding, servicing continuity, document custody, security interests, and regulatory or investor requirements
Optional third-party bank verification partners (no credentials collected)
Account Security
You should never share your account passwords or authentication credentials with anyone. Manzil will never ask you to provide your password or access credentials in any unsolicited communication. If you receive an email or communication from Manzil that you believe is suspicious, please visit https://www.manzil.ca/contact-us to verify.
6. How We Use Personal Information
We process personal information with your consent, to perform or administer a product or service you request, or as otherwise permitted or required by law.
We use personal information to:
Provide and administer products and services
Verify identity and information
Assess eligibility and manage risk
Detect and prevent fraud
Communicate with you and provide support
Meet legal and regulatory obligations
Develop, improve, and personalize products and services, including analytics and research
Call Recording
Telephone calls with Manzil representatives may be monitored or recorded for training, quality assurance, and compliance purposes. Where required by applicable law, you will be notified at the beginning of the call. If you do not wish to have your call recorded, you may request an alternative method of communication, where available.
7. Data De-Identification and Aggregation
Where permitted by law, Manzil may de-identify or aggregate personal information so it can no longer reasonably be used to identify an individual. This information may be used for analytics, reporting, product improvement, research, and performance evaluation, including aggregated mortgage performance reporting for investors. Aggregated and de-identified information may be shared with current or prospective investors for purposes such as analysis and product design.
8. Profiling and Automated Decision-Making
Manzil may use automated systems for identity verification, fraud detection, compliance screening, eligibility assessment, and customer support. You may contact us for more information, subject to legal limitations. Where automated decision-making is used and has a significant impact, you may request meaningful information about the factors considered and request human review of the decision, subject to legal and regulatory limitations.
9. Use of Artificial Intelligence
We may use tools that incorporate artificial intelligence to support customer service, security, fraud prevention, eligibility assessments, and service improvements. Appropriate safeguards are applied consistent with this Privacy Policy. Where automated or AI-assisted tools are used in decision-making processes that may have a significant impact, Manzil applies appropriate human oversight and monitoring to promote fairness, accuracy, and accountability. Artificial intelligence tools may form part of the automated systems described in Section 8. Where required by applicable law, Manzil conducts privacy impact assessments for high-risk data processing activities.
10. Key Partnerships
Manzil Invest
Offered through a strategic partnership with Corex Financial Inc., a registered Portfolio Manager and Investment Fund Manager. Personal information is shared only as necessary to support investment management, fund administration, reporting, and related regulatory and operational functions, and in accordance with applicable laws and partner privacy policies.
Manzil Mortgages
In connection with Manzil mortgage products, personal information may be shared with trusted third parties as necessary to facilitate underwriting, funding, closing, servicing, and ongoing administration, including:
Credit reporting agencies, such as Equifax, for credit assessment and monitoring (with consent where required)
Independent legal professionals who act on your behalf or on behalf of Manzil to complete mortgage closings and related legal documentation
Custodians and trustees, including TSX Trust, where applicable, in connection with mortgage security, title custody, investor reporting, and related administrative functions
Manzil Realty
Offered through a partnership with eXp Canada. Personal information may be shared with licensed real estate professionals to facilitate real estate transactions and related professional services at your request.
11. Marketing Communications
With your consent where required, we may send marketing communications. You may opt out at any time. Transactional or service-related communications may still be sent.
Manzil does not sell personal information and does not disclose personal information for third-party marketing or lead-generation purposes.
12. Disclosure of Personal Information
We may disclose personal information:
To service providers acting on our behalf
To credit bureaus and verification partners
To regulated partners
In aggregated, non-identifiable form
Where required by law
In connection with corporate transactions
13. Third-Party Websites and Services
This Privacy Policy does not apply to third-party websites or services. We encourage you to review their privacy policies before providing personal information.
14. Safeguards and Retention
We maintain reasonable administrative, technical, and physical safeguards to protect personal information. Personal information is retained only for as long as necessary to fulfill the purposes for which it was collected, or as otherwise required by law. For example, certain financial, tax, mortgage, and investment records may be retained for up to seven (7) years or longer where required under applicable tax, securities, or anti-money laundering laws. When no longer required, personal information is securely destroyed, erased, or anonymized.
15. Privacy Breach Notification
In the event of a breach of security safeguards involving personal information that poses a real risk of significant harm, Manzil will notify affected individuals and applicable regulatory authorities (such as the Office of the Privacy Commissioner of Canada and, where applicable, provincial privacy regulators) in accordance with applicable privacy laws. We maintain incident response procedures designed to assess, contain, mitigate, and document privacy breaches. Notification will be provided as soon as feasible in the circumstances, in accordance with applicable law.
16. Your Rights
You may request access to and correction of personal information in our custody or control. You may also request deletion or withdraw consent in certain circumstances, subject to legal and regulatory requirements. We will investigate and respond in a timely and fair manner in accordance with applicable law. Where required by applicable law, you may also request that certain personal information be provided in a structured, commonly used technological format.
17. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. The version in effect at the time of collection applies unless you consent otherwise.
Contact Us
If you have concerns about our privacy practices, you may contact us using the information above. We will review and respond in accordance with applicable law. Manzil has designated a Privacy Officer responsible for overseeing compliance with applicable privacy laws. The Privacy Officer may be contacted at:
Name: Mohamad Sawwaf
Title: Chief Privacy Officer
Email: privacy@manzil.ca
Mailing Address:100 King Street West, Suite 6200Toronto, ON M5X 1B8
Services
Funds
Manzil Mortgage Services Inc. holds the following licenses: Ontario # 13411, British Colombia # MB601417
Saskatchewan # 512027, Nova Scotia # 2022-3000552, and Alberta.
© 2025 All rights reserved. Manzil is a registered trademark