Privacy Policy

Grey Matter Data (“GMD”) is committed to protecting the privacy rights of all persons with whom it deals. We will take every step to maintain the confidentiality of your personal information. This Privacy Policy applies to your use of the Approval Mortgage website. This Privacy Policy governs Approval Mortgage' collection, use and/or disclosure of an individual's personal information.

Accountability

Approval Mortgage is accountable for all personal information under its care and control. Approval Mortgage' Privacy Officer is designated as the person responsible for the Privacy Policy and for the personal information received by Approval Mortgage. The Privacy Officer can be reached as follows: by email at info@approvalmortgage.com, or by mail at 2750-14th Avenue, Markham, ON, L3R 0B6: Privacy Officer.

Any questions relating to Approval Mortgage' handling of personal information should directed to our Privacy Officer.

Purpose

AApproval Mortgage' websites (collectively the “Website”) are used by individuals (“users”) who are interested in obtaining mortgage loans and/or credit cards. As a result, Approval Mortgage makes the personal information provided by users available to mortgage brokers and financial institutions in order to assist users in obtaining mortgage loans and/or credit cards.

Approval Mortgage is required to collect and use personal information in order to provide its services, to administer and process customer surveys, special promotions and other marketing activities, as well as other internal administrative functions. As a result, personal information can be collected when you use our website. This can include your name, the size of the mortgage loan or credit card you wish to obtain, your salary range, total annual income, address, telephone number, email address and postal code.

Your IP address, your computer's operating system, the browser type and language are automatically collected each time you use the Website. Moreover, the identity of the website you came from will also be collected, as will your web request and the date and time of your visit and the site pages visited. Other information such as your name, address, and e-mail address (“contact information”) is collected in order to allow us to administer the Website, to identify and contact users and in order to conduct Website maintenance. For audit and other internal and administrative purposes Approval Mortgage may also keep a record of all information you contribute to the Website.

The Website will also use cookies to keep track of your activities and behaviour while on the Website. When you visit the Website, we send one or more cookies - a small file containing a string of characters - to your computer that uniquely identifies your browser. Most browsers are initially set up to accept cookies, but you can reset your browser to refuse all cookies or to indicate when a cookie is being sent. If you refuse or delete our cookies however, you will not be able to log on as an authenticated user and you will not be able to use the Website.

How we use your personal information

Your personal information will be provided to mortgage brokers and/or financial institutions in order for you to receive mortgage quotes and/or credit cards. We may also provide your personal information to our service providers in order to provide you with a seamless user experience and to improve the quality of our services. We will not disclose your personal information to other people or non-affiliated companies, except in the limited circumstances described in this Privacy Policy or with your consent.

While Approval Mortgage will not conduct credit reports on the websites' users, it is possible that a mortgage broker or a financial institution may do so. As a result, you consent to a mortgage broker or financial institution obtaining your credit score and related information from a credit reporting agency. Furthermore, if a user is contacted by a mortgage broker and/or financial institution it will be the Privacy Policy of the mortgage broker and/or financial institution which applies and not Approval Mortgage' Privacy Policy.

Approval Mortgage may also provide personal information to third parties who may provide services on Approval Mortgage' behalf such as responding to customer inquiries, processing data, conducting special promotions and marketing activities and other administrative functions. In all instances, Approval Mortgage will only provide personal information to third parties on an “as needed” basis and provided that such third parties agree to be bound by this Privacy Policy.

In the event of a transaction involving the sale of some or all of Approval Mortgage, personal information will generally be one of the transferred business assets and thus will become subject to a different Privacy Policy.

Limits for Collecting, Using, Disclosing and Retaining Personal Information

Approval Mortgage, unless required or permitted by law, does not collect, use or disclose personal information, except when it has obtained consent. In all cases, Approval Mortgage limits the amount and type of information collected to that which is necessary to meet the purposes described above. Approval Mortgage undertakes to keep all personal information it collects strictly confidential. Approval Mortgage will only retain personal information for the duration of its intended use or as otherwise required by law. Thereafter, all personal information that does not have a specific purpose or that no longer fulfills its intended purpose will be destroyed in a secure fashion.

As mentioned above, Approval Mortgage may provide personal information to third parties who may provide services on Approval Mortgage' behalf such as responding to client inquiries, processing data, conducting special promotions and marketing activities and other administrative functions. In all instances, Approval Mortgage will only provide personal information to third parties on an “as needed” basis and provided that such third parties agree to be bound by this Privacy Policy.

Links

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that website. Therefore, we cannot be responsible for the protection and/or privacy of any information that you provide while visiting such sites. Also, please be advised that such websites are not governed by this Privacy Policy. You should exercise caution and review the Privacy Policy of any website you may link to.

Safeguarding Personal Information

Approval Mortgage respects individual's privacy and will protect that privacy as vigorously as possible. Approval Mortgage stores personal information in electronic and physical files that are secure and to which access is restricted.

Accuracy of Personal Information

Approval Mortgage also makes every effort to keep all personal information it holds, including contact information and financial information, accurate, complete, and current. Approval Mortgage will update any changes to personal information when received from you through the Website. If Approval Mortgage holds personal information about an individual which can be established by the individual to be inaccurate, Approval Mortgage will take reasonable steps to correct it.

Consent

By using the Approval Mortgage' Website you consent to the uses indicated in this Privacy Policy. Should you chose, at any time, to withdraw your consent please immediately contact Approval Mortgage' Privacy Officer in writing to advise of this decision.

If Approval Mortgage requires personal information for a new purpose, it will seek consent for such new use.

Access to Personal Information

You have the ability to access all your personal information on the Website at any time. If you have any questions regarding the personal information held by Approval Mortgage, you should, in writing, contact Approval Mortgage' Privacy Officer. Approval Mortgage will respond to any written requests within 30 days of receiving written notice. Approval Mortgage will keep records of enquiries and/or objections and will document their resolution. Approval Mortgage will conduct all investigations in a timely, fair and impartial manner.

Changes to the Privacy Policy

Approval Mortgage reserves the right to modify or supplement this Privacy Policy at any time. If we make a change to this Privacy Policy, we will post such changes on the Privacy page of the Website. Approval Mortgage will obtain the necessary consents required under applicable privacy laws if it seeks to collect, use or disclose your personal information for purposes other than those to which consent has been obtained unless otherwise required or permitted by law.

Effective July 2018