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Mortgage Alliance Company of Canada (“Mortgage Alliance”) helps customers find the most suitable mortgage, loan or credit facility, and/or other related products and services like insurance that we may offer. Mortgage Alliance is a member of a group which includes Multi-Prêts, Mortgage Intelligence Inc., Invis Inc. and other affiliated entities (hereinafter, the “M3 Mortgage Group”).
Application and Scope
Definition of Personal information
Collection and Use of Personal Information
We collect most of our information about you directly from you, with your consent.
We usually collect your name, address, phone number(s), email address, occupation, employer’s name, birth date, annual income, net worth, assets, liabilities, credit history, investment objectives, banking information, as well as other account and payment information, including information pertaining to your use of our products and services when you register to Mortgage Alliance services. We may also collect other information such as your social insurance number, driver’s license or passport number, when required and/or authorized by law, for instance to fulfill regulatory and other governmental obligations and to distinguish you from other clients with similar names.
We may also obtain information about you from third parties, with your consent. For example, for credit evaluation purposes, we may need to determine your creditworthiness through contact with an independent credit reporting agency or another source, which may include account information. Mortgage Alliance uses this information to help determine the product or service that is suitable to your mortgage needs. We may also collect personal information from other third parties, such as your spouse, if you are applying for certain products and services, and information about beneficial owners, intermediaries and other parties.
Mortgage Alliance generally collects personal information from or about its customers and other individuals with whom it deals for the following purposes:
If you have applied for employment with Mortgage Alliance, the personal information submitted with your job application will be used for recruitment and other customary human resources purposes. For example, we may send you information about new job opportunities within Mortgage Alliance as well as other career development resources.
Mortgage Alliance offers you the opportunity to use simulators. These simulators are designed to collect information about you or your financial situation. The details are then used to establish your type of profile with a view to helping you choose the most suitable product for your particular needs.
Mortgage Alliance obtains consent from the individuals concerned for the collection, use or disclosure of personal information through various means. The most common method we use to obtain a customer’s consent is by way of the customer’s consent as confirmed by consent forms. Where practicable, we may also obtain a customer’s consent through electronic communications or other written documentation.
In certain circumstances, personal information may be collected, used or disclosed without consent. These exceptional circumstances may include:
Right to Withdraw Consent
Consent may be withdrawn at any time, subject to legal or contractual restrictions and reasonable notice. Depending on the circumstances, however, any withdrawal or amendment to your consent may prevent us from providing you, or continuing to provide you, with Mortgage Alliance products and services or information that may be of value to you. You may also withdraw your consent as follows:
Sharing of Personal Information
We may share aggregated customers and/or website users’ information with our partners or entities within the M3 Mortgage Group. This information does not allow identifying individual customers nor users, and is only used to provide our partners a better understanding of the general profile of customers of our products and/or services and users of our website, trends in the industry, or similar type of information. We do not link aggregate user data with personal information.
Mortgage Alliance generally collects and uses personal information from or about its website visitors and users as follows:
Mobile App Data Collection
In the event that you download and/or use any of our applications, we may require and collect, directly from you, information necessary to authenticate you. We may also record your IP geolocation, allowing us to block the access when the user is outside of Canada. When you register on certain apps, you may be required to agree that we may send you notifications regarding your property evaluation, credit score, or general information by electronic messaging on a periodic basis. If you no longer want to receive any notifications, you can unsubscribe at any time.
Quality and Access Rights
Personal Information Outside of Canada
In some cases, personal information that we manage may be transferred, processed and stored outside Canada, and therefore may be available to government authorities under lawful orders and laws applicable there.
Security of Personal Information
We will use reasonable security measures to protect your personal information against unauthorized access. Mortgage Alliance has implemented security measures that contain administrative, technical and physical controls that are designed to safeguard your personal information. No method of transmission over the internet, or method of electronic storage, is 100% secure, however.
Personal information will be retained only as long as necessary for the fulfilment of the purposes for which it was collected and for which consent was received or to satisfy legal requirements.
How to Contact Us
200 – 2005 Sheppard Ave. E,
Toronto, ON M2J 5B4
By phone: 416-499-5454
By e-mail: firstname.lastname@example.org
ChathamCopyright © 2018 Mortgage Alliance / Jim Paisiovich All Rights Reserved.
Chatham: 234 Queen Street, N7M 2H1 / London: 561 Southdale Road E, N6E 3M7
Mortgage Alliance Head Office: 2005-200 Sheppard Ave. E. Toronto, ON M2J 5B4 | Lic. 10530 | Toll Free: 877.366.3487