Renting

My landlord is asking for my Social Insurance Number (SIN). Should I give it?

By: Zandile Chiwanza on November 21, 2024
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This article has been updated from a previous version.  

While house hunting in Toronto’s nightmare of a rental market, a landlord said he needed my passport and Social Insurance Number (SIN) to run a background check as part of my apartment rental application.  

Keep in mind, this was three months into my search. So, between multiple failed applications, dealing with discrimination, and fierce competition, I was getting desperate.   

I’d never given out my SIN except for employment and tax purposes, so I confided in a close friend who documented my ordeal, and she advised me to politely decline and ask if there was any other documentation I could provide instead.   

To which the landlord replied, “unfortunately, I’m sorry to say that I have decided to move forward with another, more qualified applicant.”   

Can landlords ask for your SIN number?  

While I can’t prove that not providing my SIN was the reason my application got rejected, it’s indicative that the landlord ignored my privacy concerns or perhaps was unaware that providing a SIN is not a legal requirement for prospective tenants.   

In fact, the Office of the Privacy Commissioner of Canada’s (OPC) states that “organizations that request SIN outside of a legal requirement must clearly mark it as optional” — something the landlord didn’t.   

To clarify, a landlord can ask for your SIN when you are filling out an application to rent a property or negotiating a lease with a landlord, according to the Government of Canada. But you aren’t required to provide it.  

Even the practice of asking for one’s SIN is “strongly discouraged, but it’s not illegal,” according to the government, due to the potential of SIN-related identity fraud.   

In the case of having to hand over their SIN number to a prospective landlord, individuals are advised to ask why their SIN is being requested, how it will be used, and who it might be shared with.  

It’s important to remember that landlords aren’t allowed to refuse your application if you decline to provide your SIN.  

“No one can force you to provide it regardless of the application source,” says Juliet Craig, manager for tenant and home staging at Rental Affiliate, and moderator of the Facebook group, Black Housing Directory (Renting While Black) Toronto, a resource I used when house hunting.   

“There is other government identification one can present that should be more than sufficient,” she says.  

Related: Rising rent prices. High inflation. Is the 30% income-to-housing rule still realistic for renters?  

What information can a landlord ask for in Ontario?  

To run a credit check, OPC says the landlord would need to ask for your name, address, and date of birth.   

“A prospective landlord must have your consent to share your personal information with any third party or organization, such as a credit reporting agency,” Craig says.  

In other words, putting your SIN number on a rental application is not required because a landlord doesn’t need your SIN to run a credit check. If they demand your SIN and other personal information as a condition of renting without clear justification, contact an advocacy agency in your province or territory, or file a complaint with the OPC. It’s free to file a complaint.  

Related: Who pays for damage when it comes to renters 

The dangers of giving out your SIN number  

Recovering from identity theft can take years.  

“The problem is a social insurance number can be compromised, and if this information were to fall into the wrong hands, it can cause enormous harm,” says Ann Cavoukian, founder and CEO of the Global Privacy & Security by Design Centre.  

There are serious financial repercussions from identity theft. From filing police reports to re-establishing credit, it can take years for victims to get their finances back in order.     

As Ontario’s former privacy commissioner for 17 years, Cavoukian saw a number of identity theft victims firsthand, and urges people to be very careful about who they provide personal information to.  

“A SIN and a name are sufficient to perpetrate identity theft, meaning you can impersonate them, and you can rack up charges under their name,” Cavoukian says.   

“[A landlord] may be well-intentioned, but unless they really secure the data, then it can be used by third parties in ways that were never contemplated.”  

Landlords, especially new ones, might not know all the laws pertaining to inappropriate use of personal information and are just trying to do their due diligence when looking for a good tenant.   

“A small measure you can take is say, ‘look, I really want to be assured that you’re not going to use this information in any way other than to verify my identity,’” she suggests.   

The next step might be to ask the landlord for some assurance on how they will store your confidential information. She suggests saying: “I would like some assurance that you’re going to destroy that information and not have it remain in your database or wherever where it can be compromised and accessed by potential third parties.”  

When you’re desperate to find a place to live, you might be more inclined to hand over whatever information a landlord asks.  But it's equally important to know and uphold your rights. Don’t let a landlord overstep their boundaries, and don’t readily hand out information that is not required.  

If your landlord asks you to get tenant insurance, consider comparing rates to find the cheapest premiums and ensure you're getting the best deal possible 

Read next: Factor in the cost of tenant insurance on your apartment hunt 

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