Privacy Policy

PERSONAL INFORMATION
Personal Information is defined as “information that is gathered in connection with an application, pre-approval, request for information for a mortgage(s), loan(s), insurance or other products offered through A Simpler Mortgage, and is provided to, or collected by, A Simpler Mortgage, it’s consultants, brokers, agents, associates, and affiliates on A Simpler Mortgage’s behalf”.

ACCOUNTABILITY
A Simpler Mortgage is responsible for the Personal Information under its control and has appointed a Privacy Officer to oversee our efforts to comply in all materials respects with applicable privacy legislation and the terms of this Privacy Policy.

WHAT PERSONAL INFORMATION DO WE COLLECT?
Personal information includes, but is not limited to:Your full name, address and telephone, cell phone number(s); fax number(s) or email address(es);Your occupation, your salary, duration of employment; contact numbers; address of employer;Information on existing property and/or home(s); including principal amount(s) of 1st, 2nd Mortgages; LOC, interest, repayments and amortization schedules;Financial and credit information about you and/or other members of your family (spouse, etc.);Your Social Insurance Number (SIN), and SIN’s for other members of your family;Health Information, if you are applying for life/disability Mortgage Insurance;Amount(s) of life or disability insurance, RRSP’s and other investments.

PROVISION OF YOUR SOCIAL INSURANCE NUMBER (SIN), IS OPTIONAL
You should note that most Credit Reporting Agencies use the SIN as a unique identifier to ensure proper identification when conducting credit reviews and/or preparing credit reports. If you do NOT wish to provide your SIN, our ability to order a timely and accurate credit report may be affected.

HOW DO WE USE YOUR PERSONAL INFORMATION?
Your Personal Information may be used by us, A Simpler Mortgage, to provide financial advice and/or services to you such as: obtaining a credit bureau for mortgage(s), loan(s), insurance or other products offered through A Simpler Mortgage which we think might be of interest to you

SOMETIMES WE HAVE TO SHARE PERSONAL INFORMATION
We do not sell Personal Information to third parties. We may share some or all of your Personal Information with third parties such as lenders, lawyers and their related companies, providers of products or services relating to your “home and/or mortgage(s), credit reporting agencies, financial institutions or financing companies which provide or insure mortgage(s), loan(s) relating to your home(s)”. Your Personal Information may be disclosed when we are required or permitted by law, to do so.

HOW LONG DO WE KEEP YOUR PERSONAL INFORMATION?
Your Personal Information is retained only for as long as it is required to fulfill the purposes for which it was obtained and to meet our professional requirements as set out for governing regulatory bodies and/or any legal requirements, statutory or otherwise, from time to time.

WHAT CAN YOU DO IF YOU WANT TO LIMIT THE USE TO WHICH WE PUT YOUR PERSONAL INFORMATION?
Personal Information collected from you, enables A Simpler Mortgage to provide financial services in connection with an application, pre-approval, request for information for a mortgage(s), loan(s), insurance or other products offered through A Simpler Mortgage We cannot provide this service without your personal information. If you do not want us to disclose your Personal Information in a particular way, please advise our Privacy Officer as described in the previous heading, “Accountability”. We will be pleased to discuss with you how we can limit collection, use or disclosure of your Personal Information.

YOU CAN REQUEST ACCESS TO YOUR PERSONAL INFORMATION
You have the right to access the Personal Information obtained by us, per your consent, to ensure accuracy and to correct any errors. If you wish access to your Personal Information, you should contact our Privacy Officer, who will be pleased to assist you.

COMPANIES WITH WHOM WE MAY SHARE, AND ARE NOT LIMITED TO, YOUR PERSONAL INFORMATION: Lending Institutions, Private Investors, Appraisers, Real Estate Offices, Law firms, Equifax, TransUnion, Credit companies, Banks, Finance companies, and/or Authorized staff of A Simpler Mortgage