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Disclaimer and Privacy Policy
Privacy Policy
Our company is committed to respecting
and protecting the privacy of information that you have
entrusted to us. As a result, we employ procedural and
technical safeguards to prevent unauthorized access
to and dissemination of your personal information. The
purpose of this policy is to advise you as to why we
ask for personal information, how the information is
used, and how to contact us with privacy related matters.
We are also providing you with our online privacy policy
in order to inform you of our practices concerning the
collection, use and disclosure of personal information
by our website, mortgagealliancebarrie.com.
Your use of our website constitutes
your agreement with this privacy policy. If at any time
you disagree with any of the following terms and conditions,
please exit this website immediately.
Personal Information
Personal information is information
that identifies you as an individual and that you would
reasonably expect to be kept private. Examples of personal
information range from age, contact details, marital
status and social insurance numbers to personal opinions,
income, employment records and medical information.
Collection and Use of Your Personal
Information
On our website, we collect certain
personal information through three means. The first
occurs when you submit a request to us using the form
on our Partners page. We collect your name, city, email
address, phone number, and your selection of the additional
services that you are interested in. We use this information
to email or call you and respond to your inquiry.
The second means through which we
collect personal information is the sign-up form for
our Rate Advisor Subscription. We collect your name,
email address, residential/business address, your email
format preference, and the name of the broker who referred
you to our service. This information is used to send
you periodic email updates regarding our lending rates.
We will send you our email updates only if you have
specifically requested us to do so by submitting the
Rate Advisor subscription form or requesting the subscription
be set up for you. You can withdraw your consent for
the email updates by selecting the unsubscribe option
within the Rate Advisor by contacting us at info@mortgagealliancebarrie.com.
The third means is our mortgage application
form. Whether you fill out the online form and submit
it electronically, download and print the form and then
deliver it to us, or complete the application with a
mortgage broker directly, in person or over the phone,
we collect certain detailed personal information about
you, which includes:
- name, email address, home and work phone numbers;
- current and previous addresses, duration of residence
at each location, and amount of rent;
- language, marital status, social insurance number,
date of birth, and number of dependants;
- current and previous employment information, including
occupation, income, employer, and duration of employment;
- assets and liabilities, including amount of credit
lines, debt and property owned;
- description of the mortgaged property, including
address, purchase price, amount of down payment, maintenance
fees, utilities, and taxes; and
- credit references, existing mortgages, and refinancing
information.
We use this information to evaluate
your credit standing and to negotiate with lenders,
financial institutions and/or private lenders, in obtaining
mortgage financing that best suits your situation. We
may ask you or your employer or credit references for
additional personal information in order supplement
or confirm the information you have provided on the
mortgage application.
We collect and use this information
to assist you in obtaining financing only if you request
that we do so by submitting a mortgage application form.
If you wish to withdraw your consent to us using your
personal information for this purpose, you may cancel
your mortgage application by contacting the mortgage
broker directly.
In addition to the specific purposes
outlined above, we use the personal information we collect
to manage and administer our business, enhance the products
and services we provide to you and develop new products
and services. If you cancel your Rate AdvisorSubscription
or your mortgage application, we may retain and use
your personal information for our internal business
and administrative purposes.
Non-personal Information and Cookies
Cookies are small files containing
a unique identification number. The first time you visit
a website, a cookie is sent to the hard drive of your
computer so that the website can recognize you as a
unique user. Cookies identify your browser and are used
to store user preferences and track user trends and
patterns. For example, they tell us how people visit
our website and which pages they visit. Cookies do not
collect personal information such as names and addresses.
Most browsers are set up to automatically
receive cookies. You can reset your browser to notify
you when a cookie is being sent or to refuse all cookies.
Please keep in mind that some websites may not function
properly if your browser does not accept cookies.
We may use cookies and other software devices to collect
anonymous information concerning the use of our website
by our visitors. We also may share with our partners
and advertisers this information in a general statistical
form. However, we do not combine the information we
collect in this manner with personally identifiable
information.
Disclosure
of Your Personal Information
Match Maker online inquiry
We collect your name, city, email
address, phone number, and your selection of the additional
services that you are interested in. We collect and
use this information to assist you in obtaining additional
services only if you request that we do so by submitting
a Match Maker online inquiry form. We disclose the information
we collect through our Match Maker online inquiry form
to our referral partners, in order to allow them to
contact you regarding the additional services you have
indicated that you are interested in. If you wish to
withdraw your consent to us using your contact information
for this purpose, you may do so by contacting Customized
Mortgage Strategies directly.
Rate AdvisorSubscription forms
We do not disclose to any third party
the personal information that we collect when you sign
up for our Rate Advisor Subscription updates.
Mortgage application form
We disclose the personal information
we collect through our mortgage application form to
lenders, financial institutions and/or private lenders,
in order to find the best financing options for our
customers. We also disclose this information to credit
agencies that contact us to update their records and
appraisal companies where it is necessary to obtain
the value of the property being mortgage. We also disclose
certain information to life insurance companies to obtain
a quote for insurance products.
Other Third Parties
We do not disclose your personal
information to third parties, except for the purposes
stated above and except as may be required by a court
order, subpoena, search warrant or other legal process.
Furthermore, we are not in the business of selling customer
information to others. We do not sell, lease or trade
the personal information we collect to outside parties.
If we use other agents, contractors or companies to
perform services on our behalf, we will ensure that
they will protect your personal information in a manner
consistent with this privacy policy. They will have
access to customer information only as required to help
them perform these functions and not be allowed to use
that information for any other purpose, and they must
keep that information confidential.
External Links
Our website contains links or references
to other websites. We do not own or control these websites,
and therefore we bear no responsibility for the collection,
use or disclosure of personal information by these websites
or their respective owners. Please read the privacy
policies of these third party websites as they may have
privacy practices different from ours.
Security
We have established technology and
security measures and strict policies to prevent unauthorized
access to or improper use of your personal information.
Only those employees, agents and affiliates of Customized
Mortgage Strategies who require access to your personal
information in order to fulfill their job or contractual
duties will have this access and only to the extent
necessary to fulfill these duties.
Account Information
If you wish to review or update your
personal information that we have collected, you may
make a request to do so by contacting your mortgage
broker. You may verify that your personal information
is accurate and complete, and inform us of any necessary
corrections or updates.
Your Consent
By providing us with your personal
information, you are consenting, whether express or
implied, to the collection, use and disclosure of this
information for the purposes described in this privacy
policy or described at the time of collection. You may
withdraw your consent to our collection, use and disclosure
of this information for any purpose at any time, subject
to legal and contractual restrictions and reasonable
notice. However, please keep in mind that if you do
so, we may not be able to provide certain products or
services to you.
Customer Concerns
If you have any questions or concerns
about this privacy policy or its implementation, you
can contact us by telephone at 1-866-864-8218, by email
at info@mortgagealliancebarrie.com or by mail at the
following address:
Customized Mortgage Strategies
8 Sophia Street East
Barrie , ON
L4M 1Y2
Attention: Privacy Officer
You can find more information on
Canada’s privacy legislation, the Personal Information
Protection and Electronic Documents Act, on the Government
of Canada website at www.canada.gc.ca
and the website of the Office of the Privacy Commissioner
of Canada at www.privcom.gc.ca.
Unresolved privacy complaints may be made to the Privacy
Commissioner of Canada by writing to the following address:
Office of the Privacy Commissioner
112 Kent Street
Place de Ville
Tower B, 3rd Floor
Ottawa, Ontario K1A 1H3
Additional Information
Any privacy dispute between
Customized Mortgage Strategies and its customers is
governed by our terms of use and this privacy policy
and by the laws of the Province of Ontario in Canada.
We reserve the right to revise or update this privacy
policy at our discretion and without notice, so please
check back periodically for such changes. This policy
is effective June 16, 2008.
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