Privacy Policy
Privacy Policy
We understand the power that the Internet holds for changing your life and making things easier for you. These benefits are at risk if people are concerned about their personal privacy. We are committed to providing you with an Internet experience that respects and protects your personal privacy choices and concerns.
In general, we gather information about all of our users collectively. We only use such information anonymously and in the aggregate. This information helps us determine what is most beneficial for our users, and how we can continually create a better overall experience for you.
Email Links
This site provides an email address link located on the Contact Us page so that you may email us directly with any questions or comments you may have. This site reads all messages received and makes efforts to respond promptly.
In addition to replying to your comment or inquiry, we may also file your email for future reference regarding improvements to our website or discard the information. Your personal information is not shared, traded, sold, or exchanged with any third parties without your express permission.
Information Collection and Use
This site is the sole owner of the information collected. We will not sell, share, trade, or rent this information to others in ways different from what is disclosed in this statement.
This site collects information from our users at several different points on our website. We only collect personal information necessary to effectively market and sell the property of sellers, to locate, assess, and qualify properties for buyers, and to otherwise provide professional services to clients and customers.
We do not sell, trade, transfer, rent, or exchange your personal information with anyone.
Free Evaluation Form / Find Your Dream Home
Did You Know? / Free Real Estate Reports
Since this site is a real estate site, we give you the option of requesting free real estate information about real estate properties. Your personal information is stored on our secure database.
We only collect personal information necessary to effectively market and sell the property of sellers, to locate, assess, and qualify properties for buyers, and to otherwise provide professional services to clients and customers.
We do not sell, trade, transfer, rent, or exchange your personal information with anyone.
Personal Information
This site functionality requires or requests users to give us contact information, such as their email address, and personal information, such as their names, addresses, phone numbers, and property details.
The visitor’s contact and personal information is used to contact the visitor when necessary and requested, but is primarily used to collect personal information necessary to effectively market and sell the property of sellers, to locate, assess, and qualify properties for buyers, and to otherwise provide professional services to clients and customers.
We do not sell, trade, transfer, rent, or exchange your personal information with anyone.
We do not disclose information about your individual visits to this site, or personal information that you provide, such as your name, address, email address, telephone number, etc., to any outside parties, except when we believe the law requires it.
Legal Disclaimer
We may disclose personal information when required by law, or in the good-faith belief that such action is necessary in order to conform to the edicts of the law, or comply with a legal process served on our website.
Opt-Out
Users of this site have the option to unsubscribe from our mailing list directly through their accounts. To opt out, please navigate to the Subscription Settings located under My Account.
By disabling the email or SMS notification toggle, you’ll cease to receive notifications associated with the selected options.
Links
This site contains links to other sites. These sites have their own policies and practices with respect to online privacy, and this site cannot be responsible for the privacy practices, or the content, of these websites.
In addition, in certain instances, this site’s advertisers may ask you for personal information. This site cannot be responsible for the privacy practices of its advertisers.
Only certain employees have access to the information you provide us. For example, we impose strict rules on our employees who have access either to the databases that store user information, or to the servers that host our services.
While we cannot guarantee that loss, misuse, or alteration to data will not occur, we try to prevent such unfortunate occurrences.
Notification of Changes
This policy may be revised over time as new features are added to the website. We’ll post those changes so that you’ll always know what information we gather, how we might use that information, and whether we’ll disclose it to anyone.
Please check this site for information about revisions to our privacy policy. We’ll notify you directly if there is a material change in our privacy practices.
We’ll take commercially reasonable measures to obtain written or active email consent from the user if this site is going to use the information collected from the user in a manner different from that stated at the time of collection. We’ll also post the changes in our privacy statement 10 days prior to a change.
Cookies
This website uses the following cookies:
Google Analytics
This cookie allows us to see information on user website activities, including, but not limited to, page views, source, and time spent on websites. The information is depersonalized and is displayed as numbers, meaning it cannot be tracked back to individuals.
This will help to protect your privacy. Using Google Analytics, we can see what content is popular on our website, and strive to give you more of the things you enjoy reading and watching.
Google AdWords
Using Google AdWords code, we’re able to see which pages helped lead to contact form submissions. This allows us to make better use of our paid search budget.
Removal of and Access to Personal Information
We’ll accommodate the deletion of any personal information as soon as reasonably possible.
Should you wish to request erasure of personal data, please submit a written request to Macedo Real Estate Group, addressed to the address listed below. Each request will be validated, and you’ll be required to provide some personal information for security reasons.
Please note that Macedo Real Estate Group has the right to deny a request and provide an explanation as to why each request was denied.
Macedo Real Estate Group
www.MacedoRealEstateGroup.com
110 Weston Road
Toronto, ON M6M0A6
Canada
[email protected]
416-535-5000
Privacy Questions
If you have any questions regarding our privacy policy, please send us an email, and we’ll be pleased to assist.
Royal LePage® Supreme Realty, Brokerage
110 Weston Road
Toronto, ON M6N 0A6
Call 416-535-8000
Text 647-931-5151
Copyright 2026. Macedo Real Estate Group, Danny Macedo, Sales Representative, Anthony Rocco Macedo, Sales Representative, Royal LePage Supreme Realty, Brokerage all rights reserved assumes no responsibility for the accuracy of any information shown. The information provided herein must only be used by consumers that have a bona fide interest in the purchase, sale or lease of real estate and may not be used for any commercial purpose or any other purpose.
Elite Broker Blogs
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Title Insurance: Why Your Lender Requires It and Why You Might Want It Anyway
The purpose of title insurance
Title insurance protects against defects in property ownership. If someone sells you a home and later it turns out they did not have the right to sell it, or if a claim arises against the property from years ago, title insurance covers the cost of defending your ownership and resolving the claim.
This sounds implausible. How can someone sell you a home without owning it? It happens more often than most buyers realise. An ex-spouse may have an undisclosed claim on the property. A contractor or tradesperson may have filed a lien that was never properly discharged. A property line may be incorrect. Previous owners may have failed to pay property taxes, and the municipality may have a claim.
Title insurance catches these things before closing, when they can be fixed. If something is missed and only discovered after you own the property, title insurance covers the cost of sorting it out.
Lender's title insurance vs. owner's title insurance
Your mortgage lender requires you to buy lender's title insurance. This policy protects the lender's interest in the property. It is a condition of the mortgage. The cost is typically a one-time premium paid at closing, usually a few hundred dollars depending on the purchase price.
Lender's title insurance does not protect you. It protects the lender. If the title turns out to be defective after you close, the lender's policy protects the lender's investment. Your personal interest is unprotected unless you buy owner's title insurance as well.
Owner's title insurance costs extra. It is optional. But if you buy owner's title insurance, you get personal coverage for exactly the same risks.
Why a defective title matters
Imagine you buy a home for $1 million and close the transaction. A year later, a previous owner's spouse surfaces with a claim against the property that was never resolved. The title is now in dispute. You need a lawyer to sort it out. The legal fees are $10,000 to $20,000 minimum. If the claim is substantial, the dispute could cost far more and take years to resolve.
Title insurance covers those legal costs and the cost of resolving the claim. Without it, you pay out of pocket.
Another scenario: you buy a home and later discover the surveyed property line does not match the actual boundary. A fence encroaches on your neighbour's land. Removing the fence costs $5,000. Title insurance would cover that.
How title insurance differs from home insurance
Home insurance covers physical damage to the structure from fire, theft, weather, and other events. Title insurance covers ownership and legal claims. They are entirely separate risks and they require entirely separate coverage.
You need both. Home insurance protects the building. Title insurance protects your right to own the building.
The cost and whether it is worth it
Lender's title insurance is usually mandatory and non-negotiable. The cost varies by purchase price but typically runs from $300 to $500. That is a fixed cost of closing regardless of what you decide about owner's coverage.
Owner's title insurance is optional and costs roughly the same as lender's insurance, sometimes slightly less. So if lender's insurance costs $400, owner's insurance might cost $350 to $400 as well. The premium is a one-time cost paid at closing.
Whether to buy owner's title insurance is a personal decision based on your risk tolerance and your financial situation. If the purchase price is high and you are putting significant equity into the home, owner's insurance protects that equity. If the purchase price is lower and you have other protections, you may decide the extra cost is not worth it.
Your solicitor should explain both options clearly before you close. If they do not, ask.
What title insurance does not cover
Title insurance does not cover physical defects in the home. That is what a home inspection is for. It does not cover zoning issues that existed when you bought. It does not cover boundary disputes that existed before closing and were known to the owner. It covers hidden defects and claims that were not disclosed.
Read the policy exclusions carefully. They matter.
A final note
In some provinces, title insurance is nearly universal. In others it is less common. In Ontario, it is increasingly standard, but not everyone buys owner's coverage. The decision is yours, but it should be an informed one.
Talk to your solicitor about title insurance before you close. Do not skip this conversation. And if the concept is still unclear after that conversation, call me at 416-560-4983 and we can talk through it.
