BHAGAT REAL ESTATE GROUP

Privacy Policy

Effective Date: May 2026 | Last Updated: May 2026

⚠️ Important Notice — Call & Meeting Recording

All telephone calls, video calls, and in-person meetings with Bhagat Real Estate Group (BREG) are recorded. By communicating with BREG, you consent to such recording. Recordings are retained for quality assurance, training, compliance, and dispute resolution purposes.

1. Introduction

Rishi Bhagat Personal Real Estate Corporation, doing business as Bhagat Real Estate Group, hereinafter referred to as "BREG" ("we", "us", or "our") is committed to protecting the privacy and personal information of our clients, prospective clients, website visitors, and all individuals we interact with in the course of providing commercial real estate services.

This Privacy Policy explains how BREG collects, uses, discloses, and safeguards personal information in accordance with Canada's Personal Information Protection and Electronic Documents Act (PIPEDA) and all applicable provincial privacy laws, including Ontario's privacy legislation.

By engaging with BREG — whether through our website (thebreg.ca), by telephone, by email, in person, or through any other channel — you acknowledge that you have read and understood this Privacy Policy.

2. About Bhagat Real Estate Group

Company

Bhagat Real Estate Group (BREG)

Address

495 Wellington St W, Suite 100, Toronto, ON M5V 1E9

Telephone

+1 647.948.5811

Email

info@thebreg.ca

Website

https://www.thebreg.ca

Privacy Officer

To be designated — contact info@thebreg.ca for all privacy enquiries

3. Call & Meeting Recording — Important Disclosure

Recording Consent Notice

All calls and meetings with Bhagat Real Estate Group are recorded.

This applies to all forms of communication, including but not limited to:

• Telephone calls (inbound and outbound)

• Video conferences (Zoom, Microsoft Teams, Google Meet, or any other platform)

• In-person meetings at our office or any other location

• Site visits and property viewings

Purpose of recordings: Quality assurance, staff training, compliance with real estate

regulations, accurate record-keeping, and dispute resolution.

By proceeding with any call or meeting with BREG, you provide your informed consent

BREG records calls and meetings for the following legitimate business purposes:

• Quality assurance — to maintain the high standard of advice and service we provide to every client.

• Staff training — recordings are reviewed internally to improve the quality of our team's guidance.

• Compliance — Ontario real estate regulations and RECO requirements mandate accurate record-keeping of client communications and instructions.

• Dispute resolution — in the event of any disagreement regarding instructions given, advice received, or terms discussed, recordings provide an accurate and verifiable record.

• Transaction accuracy — to ensure that all verbal instructions, property details, and negotiation terms are recorded correctly.

Recordings are stored securely and accessed only by authorised BREG personnel. They are retained for a minimum of 7 years in accordance with Ontario real estate record-keeping requirements (RECO / TRESA), or longer where required by law. Recordings will not be shared with third parties except where required by law, court order, or a regulatory body.

4. Personal Information We Collect

BREG collects only the personal information that is necessary to provide you with professional commercial real estate services. We collect information through the following means:

4.1 Information You Provide Directly

• Full name, title, and company name

• Mailing address, email address, and telephone number(s)

• Financial information relevant to a real estate transaction (e.g., purchase budget, financing pre-approval status, proof of funds)

• Property ownership information and transaction history

• Communications submitted through contact forms, emails, or telephone calls

Identification documents required under FINTRAC (Proceeds of Crime / Money Laundering and Terrorist Financing Act) for identity verification

4.2 Information Collected Automatically (Website)

• IP address and browser type

• Pages visited and time spent on the website

• Referring website or search query that brought you to thebreg.ca

• Cookie data (see Section 9 — Cookies)

4.3 Information Collected During Calls and Meetings

• Audio and/or video recordings of all telephone calls, video conferences, and in-person meetings (see Section 3)

• Notes and records of instructions, preferences, and decisions communicated verbally

5. How We Use Your Personal Information

Your personal information is used exclusively for the purposes identified at the time of collection, or for purposes that are reasonably consistent with those purposes. Specifically, BREG uses personal information to:

• Provide you with commercial real estate advisory, acquisition, and disposition services

• Identify and present suitable properties that match your stated investment criteria

• Communicate with you regarding listings, market updates, and transaction progress

• Conduct identity verification as required by FINTRAC anti-money laundering regulations

• Prepare, review, and execute offer documents, agreements, and transaction records

• Maintain records as required by RECO, TRESA, and applicable Ontario real estate legislation

• Respond to your enquiries and provide customer support

• Improve our services and train our team using recorded communications (see Section 3)

• Send you market reports, newsletters, or property updates — only where you have consented to receive these

• Comply with legal obligations, court orders, or regulatory requirements

BREG will not use your personal information for any purpose other than those listed above without obtaining your prior consent.

6. Disclosure of Personal Information

BREG does not sell, rent, or trade your personal information to any third party. We may disclose your personal information to the following parties, only to the extent necessary to complete your transaction or fulfil our legal obligations:

• Transaction professionals — lawyers, notaries, mortgage brokers, lenders, home inspectors, environmental consultants, and other professionals directly involved in your real estate transaction

• Real estate boards and regulatory bodies — RECO, TRREB, CREA, or other boards where listing or transaction filing is required

• FINTRAC — where identity verification disclosures are required under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act

• Service providers — cloud storage, CRM, and IT service providers engaged by BREG under strict confidentiality agreements

• Government and regulatory authorities — where required by law, court order, or lawful regulatory demand.

Any third party that receives your personal information is bound by confidentiality obligations and may only use the information for the specific purpose for which it was disclosed.

7. Consent

BREG collects, uses, and discloses personal information with your knowledge and consent. By engaging BREG's services — including by submitting a contact form, booking a consultation, or communicating with us by any channel — you consent to the collection and use of your personal information as described in this Privacy Policy.

You may withdraw your consent at any time by contacting our Privacy Officer at info@thebreg.ca. Please note that withdrawing consent may limit our ability to provide you with certain services that require the use of that information. Withdrawal of consent does not affect the lawfulness of any collection or use that occurred before withdrawal.

Consent to call and meeting recording is considered given upon proceeding with any communication with BREG. If you wish to withhold consent to recording, you must notify BREG in writing before the communication takes place.

8. Retention of Personal Information

BREG retains personal information only as long as necessary to fulfil the purposes for which it was collected, or as required by law. Our standard retention periods are as follows:

Type of Record	Retention Period	Legal Basis
Transaction records & client files	Minimum 7 years	RECO / TRESA
Call & meeting recordings	Minimum 7 years	RECO / PIPEDA
FINTRAC identity verification	Minimum 5 years	PCMLTFA
Marketing contacts	Until unsubscribed or removed	CASL / PIPEDA
Website analytics data	26 months (rolling)	PIPEDA

9. Cookies & Website Analytics

The BREG website (thebreg.ca) uses cookies and similar tracking technologies to improve your browsing experience and to understand how visitors use our site. The types of cookies we use are:

• Essential cookies — required for the website to function correctly. These cannot be disabled.

• Analytics cookies — we use Google Analytics to collect anonymised data about page visits, session duration, and traffic sources. This data is never linked to individual identities and is used only to improve our website.

• Preference cookies — to remember your settings and preferences on return visits.

You may disable cookies through your browser settings at any time. Disabling cookies may affect the functionality of certain features on thebreg.ca. By continuing to use our website without adjusting your browser settings, you consent to our use of cookies as described above.

10. Security of Personal Information

BREG takes the protection of your personal information seriously. We implement appropriate technical and organisational security measures to protect against unauthorised access, disclosure, alteration, or destruction of your personal information. These measures include:

• SSL/TLS encryption on all data transmitted through thebreg.ca

• Secure, access-controlled storage for physical and digital records

• Restricted access to personal information — available only to authorised personnel on a need-to-know basis

• Password-protected systems and multi-factor authentication for internal databases

In the event of a data breach that poses a real risk of significant harm, BREG will notify affected individuals and the Office of the Privacy Commissioner of Canada as required by PIPEDA's mandatory breach reporting requirements.

11. Your Privacy Rights

Under PIPEDA, you have the following rights with respect to your personal information held by BREG:

• Right of access — you may request a copy of the personal information BREG holds about you.

• Right to correction — you may request that inaccurate or incomplete information be corrected.

• Right to withdraw consent — you may withdraw consent to marketing communications at any time. Note: withdrawal of consent for recording must be provided before the communication takes place.

To exercise any of these rights, please contact BREG's Privacy Officer in writing at info@thebreg.ca or by mail at the address in Section 2. We will respond within 30 days.

12. Third-Party Links

The BREG website may contain links to third-party websites, including real estate portals, mapping services, and government resources. BREG is not responsible for the privacy practices or content of those external websites. We encourage you to review the privacy policies of any third-party sites you visit through links on thebreg.ca.

13. Marketing Communications (CASL)

BREG complies with Canada's Anti-Spam Legislation (CASL). We will only send you commercial electronic messages (newsletters, market updates, listing alerts) where you have provided express or implied consent to receive them.

You may unsubscribe from any BREG marketing communications at any time by clicking the "unsubscribe" link in any email or by contacting us directly at info@thebreg.ca. Unsubscribing from marketing communications does not affect your ability to receive transactional messages related to a property transaction in which you are a party.

14. Updates to This Privacy Policy

15. Contact Us — Privacy Enquiries

Privacy Officer — Bhagat Real Estate Group

For any questions, access requests, correction requests, or complaints relating to this

Email: info@thebreg.ca

Phone: +1 647.548.9811

Mail: 495 Wellington St W, Suite 100, Toronto, ON M5V 1E9

Website: https://www.thebreg.ca

You may also contact the Office of the Privacy Commissioner of Canada:

Website: https://www.priv.gc.ca

Toll-free: 1-800-282-1376