Clarity about your information.
Understand what these website tools do, where external quotation services begin and how to keep sensitive information out of a general enquiry.
Planning tools
Calculator values are processed in your browser. This draft does not send them to Ritu, an insurer, a lender or the quotation provider. They are not stored in an online account.
Email enquiries
The contact-page email tool creates a draft in your email app. It does not submit that message to a website server. The separate mortgage rate-review form is described below. If you send that email, your email provider and the recipient process its contents. Call or email Ritu to ask about an appropriate secure process for applications and documents.
External providers
MS Insurance and FSRA links open external websites, which have their own privacy practices. No calculator values are placed in those links. This site does not make an insurance eligibility or underwriting decision.
Important disclosures
Ritu Sachdeva is a Mortgage Agent Level 1, licence M18001896, through Centum Financial Services Limited Partnership, brokerage licence 13054. Her insurance licence is 26251701, Life Insurance and A&S Insurance Agent; insurance affiliation: MS Insurance Inc.
Mortgage rates, approvals and terms depend on lender review. Insurance premiums, availability and coverage depend on insurer requirements and the policy. No calculator is a quote, recommendation or approval.
Insurance-based investments can fluctuate in value. Any guarantees, fees and withdrawal conditions depend on the contract. No advertised or guaranteed investment return is offered.
Fonts and hosting
Pages use externally hosted Google Fonts, which may receive standard connection information. Web hosting providers may maintain ordinary access logs. No advertising pixels or analytics have been added to this draft.
Mortgage rate-review requests
The rate-review form asks for your name, email and contact number. Your rate, lender and property address are optional. When sending is enabled on the approved live website, these details are emailed to ritu@ritu.ca so Ritu can respond to your mortgage enquiry. No credit check or automatic eligibility decision is performed. Do not submit banking details or identity documents.
In this private preview, nothing is sent. The form uses a session cookie for request security when hosted; no advertising tracking is added. Closing the invitation is remembered in session storage for the current browser tab. Contact Ritu at ritu@ritu.ca to ask about access, corrections or deletion of your enquiry information.
The homepage uses an AI-generated illustrative character holding a home model and an insurance folder. This is not a portrait of Ritu Sachdeva, a specific property, a client outcome or a policy document.
Credit and chat enquiries
The credit and chat forms collect contact details and your message. The credit enquiry also asks for an estimated score band and homeownership, with optional mortgage estimates if relevant. These are sent to ritu@ritu.ca after you choose Send and request contact. There is no automated credit or insurance eligibility decision. No immigration or citizenship information is collected.
In this private preview, no form information is sent. When approved hosting is configured, a security session cookie protects requests. Enquiry information is not stored in the browser or placed in URLs. To ask about access, corrections or deletion, contact ritu@ritu.ca. A line of credit’s terms and provider must be confirmed separately; this website does not guarantee funding or pricing.