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Privacy Policy
Privacy Policy
Capital Rate Mortgage (“CRM”) (hereinafter collectively called ” The Company “, “we”, “us” and similar personal pronouns) are committed to maintaining the accuracy, security and privacy of the personal Information submitted to us by our clients and others with whom we do business (hereinafter collectively referred to as “you”), in accordance with applicable legislation. This Privacy Policy is a statement of the principles and guidelines we apply with respect to your personal information. This Privacy Statement describes how CRM, uses the information you provide.
CONSENT
BY SUBMITTING PERSONAL INFORMATION TO The Company, OR TO ANY OF OUR ASSOCIATED BROKERAGES OR STAFF, YOU AGREE THAT WE MAY COLLECT, USE AND DISCLOSE SUCH PERSONAL INFORMATION IN ACCORDANCE WITH THIS PRIVACY POLICY AND AS PERMITTED OR REQUIRED BY LAW. You may refuse or withdraw your consent at any time by contacting the CAPITALRATEMORTGAGE.COM Privacy Officer. If you refuse or withdraw your consent, we may not be able to provide, or continue to provide, our services to you.
We will rely, unless you specifically advise us to the contrary in writing at the time, upon your personal representation that you have all necessary authority and/or have obtained all necessary consents to enable us to collect, use and disclose any personal information of another individual which you may provide to us, for all purposes permitted by this Privacy Policy.
INFORMATION GATHERED
You may choose to provide information about yourself in order to be contacted by CRM regarding loan products and/or services or to receive a response to your question or inquiry. Such information may include the following:
Your name
Your company name
Contact information including phone number and email address
Property address
Information about your business
Other information you choose to provide via a telephone call, letter or e-mail
TO WHOM DO WE DISCLOSE YOUR PERSONAL INFORMATION?
From time to time, The Company may disclose your Personal Information to:
prospective lenders, financial institutions, insurance companies and other suppliers of products or services The Company is providing or offering to you; sub-mortgage brokers and other staff within The Company and its affiliated brokerages for purposes related to the services we are providing to you; service providers, including organizations or individuals we have retained to perform functions on our behalf, such as office and registry services;
organizations or individuals retained by us to evaluate your creditworthiness or to collect debts outstanding on an account; our insurers and to regulatory agencies such as provincial financial institutions commissions or others in connection with regulatory or other activities relating to our obligations and/or our mortgage brokerage businesses; or
any third party or parties, where you consent to such disclosure or where disclosure is required or permitted by law.
As many of our dealings with lenders and other parties are conducted through electronic means of communication, you specifically consent to our transmission of your Personal Information by electronic means, including by email and facsimile transmission, for all purposes identified in this Policy or otherwise consented to by you.
WHERE DO WE STORE YOUR PERSONAL INFORMATION?
Your Personal Information is stored in secured locations and on computers and computer servers controlled by The Company, located either at our offices or at the offices of our affiliated brokerages. Once a file or matter has been completed, paper records may be stored in off-site storage facilities, and are subject to destruction after such reasonable period of time as The Company determines is appropriate to meet the requirements of any applicable regulatory bodies and/or any other applicable laws or regulations, statutory or otherwise, from time to time.
HOW MAY YOU OBTAIN ACCESS TO YOUR PERSONAL INFORMATION?
Upon your written request, The Company will inform you of the existence, use, and disclosure of all of your Personal Information which we have in our possession and will give you access to that information. Access requests should be sent to info@capitalratemortgage.com.
USE
Primarily, the information you provide will be used to contact you and better understand your specific needs as a client. You understand that by submitting your information through this Website or one of CRM’s other company websites, you agree to be contacted regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry. By providing information to CRM through this Website, a telephone call, an e-mail or letter, you authorize CRM to engage in the following uses of your information:
– to improve its products and services
– to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements
– to contact you
CHANGE IN CONTROL
Your information may be transferred in connection with a sale, merger, transfer, exchange or other disposition (whether assets, stock or otherwise) of all or a portion of the business of CRM. You will have the opportunity to opt-out of further secondary use of your information following any such change in control.
THIRD-PARTY LINKS
You might find links to third-party websites on this Website. These websites should have their own privacy policies which you should read and understand before using their site. CRM does not accept any responsibility or liability for their policies or for the security of information you submit through a third-party website whatsoever as CRM has no control over third-party websites.
CHANGES TO OUR PRIVACY STATEMENT
CRM reserves the right to modify this Privacy Statement at any time without notice, but the most current version of the Privacy Statement is available to you by clicking on the link at the bottom of this Website. By continuing to use the Website and the services available through it, after the date of any change to this Privacy Statement, including accessing the Website, you agree and acknowledge acceptance of the Privacy Statement in its most current version.
TERMS AND CONDITIONS
Please see the CRM Terms of Use statement for other details that are applicable to and regard your use and access of this Website by clicking the link at the bottom of this page.
AGREEMENT
By using this Website, you agree to CRM Privacy Statement and to the use of the information CRM receives and collects as stated herein and in ways CRM may notify you of in the future. By providing any personal information to this site, you acknowledge that you fully understand and consent to the collection and processing of such information. CRM reserves the right at its discretion to modify this Privacy Statement at any time. Your continued use of this site following the posting of changes to these terms indicates your acknowledgment and acceptance of all changes.
QUESTIONS?
Should you still have questions regarding CRM’s use of your information, you may contact CRM at info@capitalratemortgage.com