Today's Mortgage Choice Privacy Policy
This Privacy Policy describes how your personal information is collected, used, and shared when you visit or make a purchase from www.todaysmortgagechoice.com (the “Site”).
PERSONAL INFORMATION WE COLLECT
When you visit the Site, we automatically collect certain information about your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Site, we collect information about the individual web pages or products that you view, what websites or search terms referred you to the Site, and information about how you interact with the Site. We refer to this automatically-collected information as “Device Information.”
We collect Device Information using the following technologies:
- “Cookies” are data files that are placed on your device or computer and often include an anonymous unique identifier. For more information about cookies, and how to disable cookies, visit http://www.allaboutcookies.org.
- “Log files” track actions occurring on the Site, and collect data including your IP address, browser type, Internet service provider, referring/exit pages, and date/time stamps.
- “Web beacons,” “tags,” and “pixels” are electronic files used to record information about how you browse the Site.
When we talk about “Personal Information” in this Privacy Policy, we are talking both about Device Information and Order Information.
HOW DO WE USE YOUR PERSONAL INFORMATION?
We use the Order Information that we collect generally to fulfill any orders placed through the Site (including processing your payment information, arranging for shipping, and providing you with invoices and/or order confirmations). Additionally, we use this Order Information to:
communicate with you;
screen our orders for potential risk or fraud
to confirm and/or authenticate customers’ identity, to determine customers’ eligibility for Mortgage Alliance’s products and services and as necessary, to establish or verify the credit of customers that use, or intend to use, one or more of the products or services offered by Mortgage Alliance;
to process customers’ applications or requests, to provide the products or services that it offers, or receive the products or services that it requests, and ensure that all related transactions are supported and implemented;
to monitor, review and improve customer service, manage its business, establish, develop and preserve its business relationship respectively with its customers and other individuals with whom it deals;
to create, establish and administer customers’ mortgage financing or accounts and to respond to customer or supplier inquiries;
for internal training and quality assurance purposes, to meet legal and regulatory requirements and to allow Mortgage Alliance to meet contractual requirements relating to the products and services provided to customers;
to understand and assess the interests, wants and changing needs of customers with a view to improving its products and services and developing new ones, and to provide personalized products and services as well as product recommendations to customers;
We do not share any of your personal or financial information with any parties other than the lending partner you have approved and we are working with.
We use the Device Information that we collect to help us screen for potential risk and fraud (in particular, your IP address), and more generally to improve and optimize our Site (for example, by generating analytics about how our customers browse and interact with the Site, and to assess the success of our marketing and advertising campaigns).
DATA RETENTION
When you work with us, we will maintain your Information for our records unless and until you ask us to delete this information.
Sharing of Personal Information
Your information may be made available by Today's Mortgage Choice and to Authorized Agents or service providers to fulfill the purposes for which it has been collected or as set forth in this Privacy Policy. Today's Mortgage Choice will not sell, rent or trade your personal information to any third party. However, we may share your personal information when authorized by law or as follows:
Financial institutions and Credit. We may share your personal information with financial institutions in connection with the administration and management of the products and services that you have requested, as well as convey your credit file to credit reporting and assessment agencies, insurers or other lenders, as applicable.
Service Providers and Authorized Agents. We do not directly provide all of our products and services. For example, in some cases we rely on assessment agencies, real estate appraisers, financial institutions, insurance agents or brokers, public registers, employers, credit reporting and collection agencies, professionals, our subsidiaries and affiliated companies, as well as, other third parties to provide you with the products and services. We may therefore disclose information about you to such providers or agents in order for us to provide you with the requested products and services. We provide them with information which is necessary in order for them to provide the services required. They are prohibited from using the information for purposes other than to facilitate and carry out the services they have been engaged to provide. These service providers and agents are not permitted to disclose this information to others.
Affiliated entities. We may share your personal information to entities from the M3 Mortgage Group for legal and regulatory purposes, to perform analytics, to offer you a suitable range of products and services and to better manage your relationship with us.
As permitted or required by law. Mortgage Alliance may disclose information when compelled in response to a law, regulation, court order, subpoena, valid demand, search warrant, government investigation or other legally valid request or enquiry. We may also disclose information to our accountants, auditors, agents and lawyers in connection with the enforcement or protection of our legal rights. We also reserve the right to report to law enforcement agencies any activities that we, in good faith, believe to be unlawful or to law enforcement and emergency services providers, in an emergency or where required or permitted by law. We may release certain personal information when we have reasonable grounds to believe that such release is reasonably necessary to protect the rights, property and safety of others and ourselves, in accordance with or as authorized by law.
Business transaction. We may disclose personal information to a third party in connection with a sale or transfer of business or assets, an amalgamation, re-organization or financing of parts of our business. However, in the event the transaction is completed, your personal information will remain protected by applicable privacy laws. In the event the transaction is not completed, we will require the other party not to use or disclose your personal information in any manner whatsoever and to completely delete such information.
Other types of sharing. We may also disclose our customers’ personal information to an individual who, in the reasonable judgement of Mortgage Alliance, is acting on behalf of the individual in question, such as through a power of attorney.
MINORS
The Site is not intended for individuals under the age of 18.
CHANGES
We may update this privacy policy from time to time in order to reflect, for example, changes to our practices or for other operational, legal or regulatory reasons.
CONTACT US
For more information about our privacy practices, if you have questions, or if you would like to make a complaint, please contact us by e-mail at rbagnato@tmcgroup.ca or by mail using the details provided below:
398 Lloyd Street, Sudbury, ON, P3B1P3, Canada