Legal
How we collect, use, and protect your personal information.
Our brokerage company operates a network of independently owned and operated mortgage brokers throughout Canada. Each mortgage broker is duly licensed as a mortgage broker in compliance with provincial laws. Broker licensees provide a variety of products and services to the public, including but not limited to mortgage brokerage services.
In the course of providing these products and services, mortgage broker licensees may collect certain personal information about its clients with their consent. "Personal Information" means information about an identifiable individual. This may include, without limitation, the individual's name, home address, age, income, credit history or other financial information, credit card information, personal preferences and other information about his or her family. Personal Information does not include the name, title, business address or telephone number of an employee of an organization.
Our Privacy Policy is based on, and complies with, Canada's Personal Information Protection and Electronic Documents Act ("PIPEDA"), which includes the Ten Privacy Principles outlined in the Canadian Standards Association Model Code for the Protection of Personal Privacy. For more information about this legislation, please visit the official website of the Privacy Commission of Canada.
The following ten principles govern our actions as they relate to the use of Personal Information:
Mortgage broker licensees are accountable for all Personal Information in its possession or custody, including Personal Information disclosed to third parties for purposes of providing services requested by you.
Mortgage broker licensees will inform you of the purposes for which it is collecting any Personal Information, before or at the time the information is collected. Often the purpose is outlined within the body of any mortgage application or contract for services you may execute when dealing with your mortgage broker.
Mortgage broker licensees will obtain your consent before or when it collects, uses or discloses your Personal Information. Consent can be express, implied, or given through an authorized representative. You may withdraw your consent at any time (subject to any legal consequences of which you will be informed). Mortgage broker licensees may, however, collect, use or disclose Personal Information without your knowledge or consent in exceptional circumstances where such collection, use or disclosure is permitted or required by law.
The information collected by mortgage broker licensees will be limited to those details necessary for the purposes identified to you or to perform the services you have requested. Information will be collected by fair and lawful means.
Personal Information will only be used or disclosed for the purpose for which it was collected unless you have otherwise consented. Personal Information may only be retained for the amount of time needed to fulfill the purpose for which it was collected. In certain exceptional circumstances, mortgage broker licensees may have a legal duty or right to disclose Personal Information without your knowledge or consent with respect to matters that concern the company's or the public's interest.
Mortgage broker licensees will keep Personal Information as accurate, complete and current as necessary to fulfill the identified purposes for which it was collected. You may have this information amended where it is found to be inaccurate or incomplete.
Personal Information is safeguarded using measures appropriate to the sensitivity of the information and in keeping with generally accepted industry standards.
Mortgage broker licensees will make information available to its clients, employees and mortgage brokers about the policies and procedures used to manage personal information. You have access to this information through our website, or through alternate means if requested.
Upon written request, you will be informed of the existence, use and disclosure of your Personal Information, and will be given access to it. Mortgage broker licensees will respond to such requests as efficiently as possible. If mortgage broker licensees are prohibited from providing such access, they will explain the reasons for the lack of access, except where prohibited by law.
You may challenge mortgage broker licensees' compliance with this Privacy Policy. Mortgage broker licensees have policies and procedures to receive, investigate and respond to complaints and questions regarding this Privacy Policy and our collection, use and disclosure of Personal Information. You may contact our Privacy Officer to express any concerns or to request access to your Personal Information.
Mortgage broker licensees gather and use Personal Information in order to provide you with the products and services you have requested — namely, information required to effectively provide mortgage brokerage services and to ensure that you are satisfied with the products and services we have provided. We may also use your Personal Information to update you about our services and to offer you additional products or services you may be interested in.
If you visit our website, we do not collect personally identifiable information about you unless you provide it. All information you do provide us with is securely maintained and kept strictly confidential.
We use Personal Information for three general purposes:
We will only use Personal Information for the purpose that we have disclosed to you. If we want to use your information for a different purpose, we will notify you and ask for your consent first.
Mortgage broker licensees are obliged to keep your Personal Information confidential except under the following circumstances:
Mortgage broker licensees: In the course of daily operations, access to sensitive Personal Information is limited to our employees, licensees, brokers and agents with a legitimate reason for accessing it. Unauthorized use or disclosure of confidential client information by any mortgage broker licensee is prohibited and may result in disciplinary measures.
Broker Affiliates: In order to better meet your needs, we may share some of your Personal Information with our affiliates. We will only do this with your express consent and you may withdraw this consent at any time.
Third Party Suppliers: We may engage third party suppliers to provide you with certain services. Such suppliers are only given the information needed to provide the specific service contracted to them. Suppliers are obliged to protect the confidentiality of your Personal Information and are prohibited from doing anything with this information that we have not authorized.
Sale of Business: We may transfer your personally identifiable information to a third party in connection with a sale, merger or other disposition of our business.
Mortgage broker licensees have extensive controls in place to maintain the security of its information and information systems. Client and independent broker files are stored according to the sensitivity of the information contained therein. Appropriate controls (such as restricted access) are placed on our computer systems and data processing procedures. Physical access to areas where Personal Information is gathered, processed or stored is limited to authorized persons.
When you contact us to speak about your file, you may be asked for some personally identifying information. This type of safeguard is designed to ensure that only you, or someone authorized by you, has access to your file.
This website contains links to other websites, including those of licensees and business partners. We are in no way responsible and cannot guarantee the content or privacy practices of other sites linked from this website.
As a client, you have the right to access the Personal Information we keep in your file and you have the right to verify or amend the information if it is shown to be inaccurate. If you would like to view or amend the Personal Information held in your file, please make a written request to the Privacy Officer at the contact information below.
Should you not want to receive promotional materials from us, or have your Personal Information shared with affiliate companies, please contact the Privacy Officer at the address, phone number or email address provided below.
Mortgage broker licensees may collect anonymous information about you — information that cannot be traced back to a specific person. For example, our web servers may record certain information automatically when you visit our website, including the pages you visited, your IP address, and other site usage statistics. This anonymous information is used for research and analytical purposes only and does not reveal any Personal Information about you.
Cookies are small text files that contain a unique identification number allowing our computers to identify your web browser (but not you) each time you visit one of our websites. The information helps improve the functionality of the site and enhance navigation and security. Most major websites use this technology. You may configure your browser to notify you when you receive a cookie, or refuse to accept them entirely. However, doing so may limit some functionality when you visit our site.
If you have any questions, concerns or complaints about your Personal Information or about this Privacy Policy, please contact us:
In Debt On Purpose | Vine Group Mortgage Brokerage
555 Bloor St. E., Toronto, ON M4W 1J1