PRIVACY POLICY
Please read the terms and conditions of this agreement ("Agreement") carefully. By accessing this web site, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this website and any web pages thereof.
In this Agreement, "you" and "your" refer to persons who access this web site and web pages. "I", "we", "us" and "our" refer to David Sprague and Pembina Mortgage Corporation Ltd. and affiliated mortgage agents.
Introduction & Our Commitment to You:
ManitobaMortgage.com website is operated by David Sprague of Pembina Mortgage Corporation Ltd. who provides you with financial assistance based on the information you provide by submitting the online, fax or mail in mortgage application found at this website.
We are committed to protecting the information you provide. We understand that you are entrusting us with your most personal information, and how we use and handle this information will have a great impact on you. In compliance with Bill 44 - Personal Information Protection Act, we have put policies in place to ensure the protection and confidentiality of all client information.
It is important for you to know that in order to provide you with the very best service and the highest quality products, we collect demographic information (like your name and address) and credit information. In addition, during your visit to our Internet web sites, we may collect certain information about your Internet usage.
We Respect Your Privacy:
Since some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access and we do not share the information in violation of any regulation or law.
Because we respects your privacy and values your trust, the only employees or companies who access your private personal information are those who use it to service your account or provide services to you or to us. We diligently maintain physical, electronic and procedural safeguards that comply with applicable standards to guard your private personal information and to assist us in preventing unauthorized access to that information.
How We Share Information with Companies Affiliated with Us:
When you submit online, faxed or mailed in application to us we share this information with our assistants, emploees and other companies. These affiliated companies all provide financial services, such as mortgage broker services, banking, consumer finance, insurance and other mortgage transaction related services. Some examples include companies doing business under the names AGF Trust - B2B Trust - Banca Commercial Italiana - Bank of Montreal - Bank of Nova Scotia - Bridgewater Financial Services - Business Development Bank of Canada - Caisse Populaire - Citi Financial - Cooperative Trust Company of Canada - Equitable Trust - Equity Plus Financial - First National Financial - FirstLine Mortgages - Gibraltar Mortgage - Home Trust Company - Household Financial - HSBC Bank of Canada - ICI Mortgages Managers - ING Mortgage Broker Services - La Capital Groupe Financier - Laurentian Bank - ManuLife Financial - Maple Trust - MCAP Mortgage - MRS Trust - National Bank of Canada - Scotia Express Service - TD Canada Trust - Alberta Treasury Branch - Xceed Mortgage Corporation - Wells Fargo.
The information we share comes from your application, for instance your name, address, telephone number, social insurance number, e-mail address, assets, and income. Finally, we provide information about you to non-affiliated companies such as credit reporting agencies and companies that provide services related to your account. This information sharing is also permitted by law. We do not directly share your information with third parties.
We destroy information after it is no longer needed:
Information that is no longer needed is destroyed. We are required for certain legal, tax and accounting reasons to keep customer information for at least 7 years. You can request that we purge the entirety of the personal information submitted by you through this website from our database by providing detailed instructions to Privacy Officer below. In such cases we will delete all digitally warehoused information you have submitted. Please note that we cannot purge information from the systems or files of our affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services.
We ask others to maintain confidentiality:
When your information is provided to our affiliates with whom we have a business relationship, we will seek to require that affiliate to adhere to adequate privacy policies to maintain the confidentiality of your information and to ensure the reliability and accuracy of the information as required by law.
Inquiries:
Any inquiries or complaints concerning our privacy policy can be made to Privacy Officer:
Pembina Mortgage Corporation Ltd.
1477-B Pembina Hwy.
Winnipeg, Manitoba
R3T 2C5
Attention: David Sprague
To review your personal information held by us please make your request in writing to the attention of the above individual. Please allow sufficient time for us to process your request.
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