Privacy Policy - Canadian Mortgage Services
Last Updated: March 2024
Canadian Mortgage Services ("we," "us," or "our") is dedicated to protecting the privacy of our clients and all users of our services, including visitors to our website and users of related tools ("Services"). This Privacy Policy explains how we collect, use, store, and disclose your personal information ("Personal Information") when you interact with us. By using our Services, you agree to the terms outlined in this Privacy Policy.
If you have questions or concerns, please contact us at neil@cmsmortgages.ca or call 905-455-5005.
Scope of the Privacy Policy
This Privacy Policy applies to all Personal Information provided to us through our Services. It also covers information shared while working with third-party tools or mortgage professionals connected to our Services. Please note that third-party privacy policies may differ from ours, and we encourage you to review them.
By providing your Personal Information, you consent to its collection and use as outlined in this Privacy Policy. If you do not agree with these terms, please refrain from using our Services or sharing your information.
A. Collection of Personal Information
1. Information You Provide
We collect Personal Information that you voluntarily provide, including:
Full name, contact details, marital status, and employment details.
Income information, Social Insurance Numbers (SIN), and other financial details for mortgage applications.
Property-related data, including addresses and purchase details.
Feedback on our Services or any additional information shared during communication.
We only collect information necessary to process your requests, provide our Services, and comply with legal and regulatory requirements.
2. Automatic Information
When using our website or interacting with our Services, we may automatically collect non-personally identifiable data, such as:
Browser type, IP address, device information, and operating system.
Pages viewed, time spent on our site, and navigation patterns.
Cookies and tracking technologies to personalize your experience and improve functionality.
You can manage cookies through your browser settings. However, disabling them may limit access to certain features.
B. Use of Your Information
We use your Personal and Automatic Information for the following purposes:
- To process mortgage applications and connect you with lending institutions or professionals.
- To enhance our Services, including improving website functionality and security.
- To offer tailored advice and personalized mortgage solutions.
- To send marketing updates and service-related communications based on your preferences.
- To respond to inquiries and ensure a seamless customer experience.
C. Disclosure of Information
1. Business Operations
We may share your Personal Information with trusted third parties or service providers to facilitate:
- Credit checks, income verification, and property-related data processing.
- Secure document handling and payment solutions.
- These third parties are required to protect your information and use it only for authorized purposes.
2. Legal and Safety Obligations
We may disclose your Personal Information if required to:
- Comply with legal obligations such as subpoenas, court orders, or regulatory requests.
- Prevent fraud, unauthorized access, or other unlawful activities.
3. Business Transfers
In the event of a merger, acquisition, or sale of our business, your information may be transferred to the new entity, provided it remains protected under this Privacy Policy.
D. Protecting Your Information
We implement industry-standard security measures to safeguard your Personal Information. While no system is entirely secure, we strive to protect your data against unauthorized access, loss, or misuse.
Data may be stored on secure servers within Canada, with some third-party tools potentially operating in other jurisdictions.
E. Retention of Information
We retain Personal Information only for as long as necessary to:
- Fulfill our business purposes and obligations.
- Comply with applicable legal or regulatory requirements.
- Resolve disputes and enforce agreements.
- Aggregated or anonymized data may be retained indefinitely for analytical purposes.
F. Your Rights
You may have rights under Canadian privacy laws, which include:
- Accessing or updating your Personal Information.
- Requesting corrections or the deletion of your data.
- Withdrawing consent for certain data uses.
To exercise your rights, please contact us at neil@cmsmortgages.ca or call 905-455-5005.
G. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The most recent version will always be available on our website, and updates will include the date of the latest revision.
H. Contact Information
If you have any questions, concerns, or requests related to this Privacy Policy, please reach out to us:
Canadian Mortgage Services
4 Wildercroft Ave,
Brampton, ON L6V 4E6
Phone: 905-455-5005
Email: neil@cmsmortgages.ca
Thank you for trusting Canadian Mortgage Services with your mortgage needs.