As independent mortgage brokers and as a franchise of Mortgage Centre Canada, we are committed to keeping your privacy protected and your information confidential at all times.
We collect, use and disclose information about you for a variety of reasons:
- To Identify you and verify any information you give us
- To protect us both from error and fraud
- To understand your needs and eligibility for products and services
- To recommend particular products and services so we may serve you better
- To meet legal requirements, such as asking you to provide the necessary information to verify your identity
- To present your mortgage application to various lenders and insurers for the purpose of securing a mortgage and/or related service
- We may review and analyze your use of our services, In order to assist in the above
We may collect from you and share health information with insurers and Insurance agents for the purpose of applying for creditor insurance.
Your information and the business you do with us is kept strictly confidential
Your information will be protected from error, loss and unauthorized access. Our procedures and systems are designed to ensure this security. We collect, use and disclose personal information only for purposes that a reasonable person would consider appropriate in the circumstances. As well, we never sell any information about our customers to others, and we only keep information as long as it is needed.
Your Information is obtained or used only with your consent
We obtain your (express or implied) consent before we:
- Check your employment
- Obtain a credit report
- Offer you other products and services
- Obtain, use or disclose to other persons, information about you unless we are obliged to do so by law or to protect our interests
- Use your information in any way we didn’t tell you about previously
You can withdraw your consent any time after you’ve given it to us, provided there are no legal requirements to prevent this, by contacting your Mortgage Centre Specialist.
You can choose not to receive direct marketing
We may tell you about products and services through direct mail, telephone, or other means. If you do not wish us to do so, advise your Mortgage Centre Specialist.
Sharing your information with other people
We don’t share information about you, except as is necessary to complete your mortgage application and take all steps necessary to secure mortgage financing on your behalf, nor do we release it to anyone else, without your express or implied consent.
You can review and make corrections to your information
You can review your personal information held by us and make corrections to it by contacting your Mortgage Centre Specialist. You may be asked to put your request in writing.
If you have any questions, comments or complaints contact your Mortgage Centre Specialist.
We ask for your consent via our online application before using your Social Insurance Number
When we obtain a report and update your information with a credit bureau, your SIN is the best way to make sure that the information actually refers to you. Wrong information could lead us to draw wrong conclusions about you. You should be aware, though, that providing us your SIN for use this way is voluntary for you. If you choose not to give us your SIN when its collection is optional, this by itself will not prevent you from getting any products or services.
Your Consent Can Be Express Or Implied
Express consent can be verbal or written. For example, when you sign a credit application you are giving your written consent for us to obtain a credit report or submit an application online.
You imply consent when we can reasonably conclude that you’ve given consent by some action you’ve taken, or when you decide not to take action. If we give you an opportunity to tell us you don’t want direct marketing material and you don’t tell us that you don’t want us to send it, we can conclude that you have no objection.
We will rely on your implied consent to use and disclose identifying information about you, such as your name and address.
We Protect Your Information From Error, Loss and Unauthorized Access
Our employees who have access to your information are made aware of how to keep it confidential. Each employee must sign an agreement stating that maintaining confidentiality is a condition of employment with Mortgage Centre Canada and Garibaldi Mortgage. Our computer security specialists build security into all our computer systems.
This protects your information at all times, when it is stored in data files or handled by our employees. Our systems also protect your information when it is transmitted.
Your Information Is Destroyed When It Is No Longer Needed
We keep your information only so long as we need it for the products and services you’re using, to offer you products and services when you are a customer and for a reasonable time thereafter, or to meet any legal requirements. We have retention standards which meet these requirements. We destroy your information when it is no longer needed, or we remove your name from the information.