© 2014 Boss Mortgages The Mortgage Centre is Independently Owned and Operated

Elizabeth (Liz) Gnoinski - Principal Mortgage Broker - Lic. # 12957

Head Office - 19 Thorne Street, Cambridge, Ontario N1R 1S2

Privacy and Security Policy

 

At Boss Mortgages The Mortgage Centre, 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.

 

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 CONSENT (EXPRESS OR IMPLIED) 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 Boss Mortgages The 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 Boss Mortgages The 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. However, there are some exceptions. For example, we may collect, use or disclose information without your consent if we:

  • are obligated or permitted to do so for legal reasons

  • use an outside company, to do work for us involving some of your information

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 Boss Mortgages The Mortgage Centre Specialist. You may be asked to put your request in writing.

QUESTIONS?

If you have any questions, comments or complaints contact your Boss Mortgages The Mortgage Centre Specialist.

In the operation of this site, Boss Mortgages The Mortgage Centre collects your information. While Boss Mortgages The Mortgage Centre has control of your information Boss Mortgages The Mortgage Centre Privacy Policy applies.

YOUR PRIVACY IS PROTECTED

At Boss Mortgages The Mortgage Centre, an important part of our commitment to provide you with service excellence is our respect for your right to privacy.

Keeping our customers' information and affairs in strict confidence is a cornerstone of our business. The range of products and services we offer our customers continues to expand, and the technology we use continues to change. But, no matter how our business changes, we'll always protect your privacy.

Our policies and procedures which we practice in order to protect your privacy are in place across Boss Mortgages The Mortgage Centre.

In the following sections we describe these policies and procedures and how we put them into practice so that you have control over how we collect, use and disclose your information.

PROTECTING YOUR PRIVACY MEANS:

  • we keep your information and the business you do with us in strict confidence

  • your information is not sold

  • you have control over how we obtain, use, and give out information about you

  • you have access to the information we have about you

  • we respect your privacy when we market our products and service

OUR PRIVACY POLICIES PROTECT ALL OF OUR CUSTOMERS

When you first become a Boss Mortgages The Mortgage Centre client and whenever you apply for more products and services, we let you know that:

  • besides your name, address and telephone number, we need information to:

    • establish your identification

    • protect you and us from error and fraud

    • understand your needs and eligibility for products and services

    • recommend particular products and services to meet your needs

    • provide ongoing service

    • comply with legal requirements

  • we may verify some of the information you give us with your employer or your references

  • we may offer other products that are suitable to you
     

We may review and analyze your use of products and services, to help protect you from unauthorized use of your accounts, to help us serve you better, and to bring other products and services to your attention which we feel will be of benefit to you. We also collect and analyze information from other sources for the same purposes.

Certain information, such as a driver's licence, although convenient for identification, is voluntary. It is up to you whether you want to provide those or some other suitable identification, subject to any legal requirements.

We collect, use and disclose personal information only for purposes that a reasonable person would consider appropriate in the circumstances.

WE ASK FOR YOUR CONSENT 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.

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.

YOU CAN WITHDRAW YOUR CONSENT AFTER YOU'VE GIVEN IT

You can withdraw your consent any time after you've given it to us, provided there are no legal requirements to prevent this. However, in order to maintain the integrity of the credit reporting system, we do have to update your credit information with the credit bureau as long as you have credit with us. Your consent for this purpose cannot be withdrawn during this time.

If you don't consent to certain uses of information, or if you withdraw your consent, we may not be able to provide you with a particular product or service. If so, we'll explain the situation to you to help you with your decision.

WE ASK FOR YOUR CONSENT BEFORE SHARING INFORMATION WITH OTHER PEOPLE

We don't share information about you, or release it to anyone outside of Boss Mortgages The Mortgage Centre.

There are some exceptions to the rules above. For example, we may collect, use or disclose information without your consent if we:

  1. must disclose information for legal reasons 

  2. we may be compelled to release information by a court of law, or other legal or regulatory authority. If so, our policy is to release information only to the extent that we have to.

  3. have to protect the interests of Boss Mortgages The Mortgage Centre
    In certain circumstances, Boss Mortgages The Mortgage Centre may have to collect, use or release information for its protection. For example, we may do so when collecting an overdue account, when realizing on security pledged for a loan, or to detect or prevent fraud. We may share information for business transactions.

     

From time to time, we may sell parts of our business, sell or securitize assets, or merge or amalgamate parts of our business with other parties. Since client and account information will normally be a part of the transaction, we may disclose this information to other parties in the transaction, as part of due diligence and on completion of the transaction. We require that the other parties keep this information confidential and limit its use to the purposes of the transaction.

INFORMATION MAY BE LOCATED OUTSIDE OF CANADA

Boss Mortgages The Mortgage Centre, its outside suppliers and other third parties to whom we disclose information under this policy (such as credit bureaus) may perform activities outside of Canada. As a result, your information may be securely used, stored or accessed in other countries and may be subject to the laws of those countries. For example, information may be disclosed in response to valid demands or requests from government authorities, courts, or law enforcement in these countries.

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 Boss Mortgages The Mortgage Centre.

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.

YOU CAN SEE AND VERIFY THE ACCURACY OF YOUR INFORMATION

You can check your information to verify, update and correct it, and to have any obsolete information removed. We may ask you to put your request in writing.

 

There's no charge for verifying or correcting your information. 

If you have a sensory disability, we will give you access to your personal information in any alternative format you request if we already have it in that format or if its conversion into that format is reasonable and necessary in order for you to be able to exercise your rights under applicable legislation.

YOU CAN FIND OUT TO WHOM WE'VE GIVEN INFORMATION ABOUT YOU

We don't share your information. Period. 

WE RESPOND TO YOUR REQUEST PROMPTLY

We'll deal quickly with your request to see your information, and always respond to you within 30 days. If we need to extend the time, or we have to refuse your request, we'll tell you why, subject to any legal restrictions and we'll notify you of the new deadline, the reasons for the extension, and your rights under applicable legislation respecting the extension.

WE MONITOR OUR COMPLIANCE WITH THE BOSS MORTGAGES THE MORTGAGE CENTRE PRIVACY POLICES

We have procedures in place to assist our employees in the practice of the Boss Mortgages The Mortgage Centre privacy policies. Our internal auditors monitor the practice of these policies on a regular basis, and report their findings to a committee of the Board of Directors of Boss Mortgages The Mortgage Centre.

WE ARE COMMITTED TO UPHOLDING THE BOSS MORTGAGES THE MORTGAGE CENTRE PRIVACY POLICIES

If you have any questions or complaints about our privacy policies, or about how we are living up to them, let us know right away.

QUESTIONS?

If you have questions, comments or complaints please email info@bossmortgages.ca

If the above steps fail to resolve your concern you may also contact the:

Office of the Privacy Commissioner of Canada: 
Place de Ville 
112 Kent Street, 3rd Floor 
Ottawa, ON 
K1A 1H3

Call toll free at 1 800 282-1376 http://www.priv.gc.ca/