Ontario permits a landlord to consider rental history, credit checks, credit references and income information in selecting tenants, subject to prescribed rules.
Human Rights Code, s. 21(3); O. Reg. 290/98, s. 1Rights, privacy & legal
A tenancy starts with a lawful process, in writing.
This page states plainly how applications at FRAMEwork 204 are handled: the information we consider, the information we never collect, what your consent covers, how long records are kept, and the Ontario law behind each of those choices. It is written to be read before you apply — not after a decision.
01Legal basis
Five rules that shape this entire process.
Income information may not be used on its own to screen an applicant where credit and rental information is available, and no rent-to-income ratio is applied here.
O. Reg. 290/98, s. 1(3)Every person has a right to equal treatment in the occupancy of accommodation without discrimination on a protected ground.
Human Rights Code, ss. 2 and 21Ontario law limits the type and amount of deposit a landlord may collect. There is no application fee, screening fee or reservation payment at any point in this process.
Residential Tenancies Act, 2006, ss. 105–107You cannot be required to provide post-dated cheques or to authorize automatic withdrawal of rent. Nothing in this application asks you to.
Residential Tenancies Act, 2006, s. 108Most residential tenancies entered into since April 30, 2018 must use the Ontario Standard Lease, and a lease cannot remove rights established by the Act.
Residential Tenancies Act, 2006, s. 12.1Organizations must identify the purposes of collection, obtain consent, limit collection to what is reasonably required, and protect the information they hold.
PIPEDA, Schedule 102What we never ask
The form has no field for any of this.
These are not questions we choose to skip out of courtesy. Under the Human Rights Code they are not lawful grounds for selecting a tenant, so the application does not collect them, the review console does not display them, and no decision record can cite them.
- 01Social Insurance Number
- 02Citizenship or immigration status
- 03Visa or permit details
- 04Race, ancestry, ethnic origin or place of origin
- 05Religion or creed
- 06Marital or family status
- 07Sexual orientation, gender identity or gender expression
- 08Disability or medical information
- 09Receipt of public assistance as a screening criterion
- 10Age, beyond confirming legal capacity to enter a tenancy
One narrow exception exists in the opposite direction: if you need an accommodation related to a disability in order to complete the application or occupy a unit, there is an optional field to tell us. That information is used only to accommodate you, never to assess you.
03Consent
Three separate authorizations. Each one optional.
Verification consent is granted item by item, never as a single bundled checkbox. Declining any one of them does not end your application, and a decline is recorded as a decline — never converted into a negative finding.
01Credit check and credit references
I authorize FRAMEwork 204, or a credit-reporting agency acting on its behalf, to obtain a credit report and credit references about me for the purpose of assessing this application.
You may decline. Your application continues either way, and a declined authorization is recorded as exactly that — not as negative credit information.
02Employment or income verification
I authorize FRAMEwork 204 to contact the employer or income source I have identified, solely to confirm the information I have provided.
You may decline. No ratio or threshold is applied to your income.
03Rental references
I authorize FRAMEwork 204 to contact the current or previous landlords I have identified for a rental reference.
You may decline. If you have no rental history, that is recorded as no information provided — never as a negative reference.
04Privacy notice · v2026.08.03
Collected for stated purposes. Kept for a stated period.
Purposes of collection
- Evaluating your rental application
- Verifying information you have provided, where you have separately authorized verification
- Conducting authorized credit and reference checks
- Communicating with you about your application
- Preparing tenancy documentation if your application is successful
Your information is never sold, and it is not used for marketing. A submitted application is delivered to the FRAMEwork 204 office inbox and read by a person. There is no applicant portal and no online review console. Documents you attach stay in private storage and are opened through links that expire seven days after you submit. Nothing is scored, ranked, or decided automatically.
Retention schedule
- Successful applications and tenancy documentation
- Retained for the tenancy and for the period required by law afterward
- Unsuccessful applications and assessment records
- Retained for 12 months, then securely destroyed
- Supporting documents you chose to attach
- Retained only while required for the assessment, then securely destroyed
- Consent records and decision audit trail
- Retained as evidence of a lawful process, separate from your documents
You can ask to see the information we hold about you, correct it, or withdraw a consent at any time by writing to us. We will confirm in writing what was done.
05Money
No application fee. No holding deposit. No pre-authorized anything.
Applying costs nothing and no payment is collected at any point in this process. If your application is successful, the only deposit contemplated is a rent deposit permitted by the Residential Tenancies Act, collected on signing — not to reserve a unit. You will never be asked here for post-dated cheques or automatic-withdrawal authorization.
06How decisions are made
A person decides, on the record, against lawful criteria.
01No automated scoring
Nothing in this system ranks applicants, calculates a score, or applies a rent-to-income ratio. There is no algorithm to appeal to, because there is none.
02One assessment framework
Every application is reviewed against the same documented criteria — rental history, credit information, credit references, income and resources, and internal consistency — under framework version 2026.08.12.
03A written trail
Each decision records the lawful reason relied on, the reviewer, and the time. Declines require an explicit confirmation that no protected ground played any part.
07Legal representation
Counsel is named, not implied.
Tenancy matters for FRAMEwork 204 are handled with legal counsel. We list the firm here so you know who stands behind the documents you are asked to sign. For questions about your own rights, you can also contact the Landlord and Tenant Board, the Ontario Human Rights Commission, or a community legal clinic — independently of us.
Counsel of record
Neeraj Mehan
B.Com, LL.B., C.A., CPA IDTP
Barrister, Solicitor and Notary Public
Legal Resolutions Professional Corporation
Unit 105, 5805 Whittle Road, Mississauga, Ontario L4Z 2J1
- Tel
- 905-564-5229
- Fax
- 905-564-1229
Ready when you are