Privacy Policy
We work with One Link Mortgage & Financial and we adhere to the company's Privacy Policy. Protecting Your Privacy Protecting
the personal information we collect and maintain is as important to us
as it is to you. Like any organization, we require a certain amount of
personal information to conduct business and provide you with the
products and services you want and need. At the same time, you have a
right to know that your privacy is being respected and your
confidential information is collected, used and protected
appropriately. For that reason, we have policies and practices in place
to safeguard and maintain the accuracy and security of your personal
and financial information. One-Link
Mortgage & Financial meets or exceeds all privacy standards
established by industry guidelines, provincial legislation, the federal
Personal Information and Electronic Documents Act and all other
applicable laws. Our Privacy Code Our
Privacy Code is a key part of our commitment to treat you fairly,
provide you with superior client service and maintain the accuracy and
security of your personal and financial information. The Code is guided
by these ten principles: Principle 1 – Accountability We
are responsible for maintaining and protecting all client information
under our control and have designated a Privacy Officer who is
accountable for our compliance with the ten principles that comprise
our Privacy Code. Principle 2 – Identifying Purposes When we ask for your personal information, we identify what it will be used for. Principle 3 – Consent We
require your knowledge and consent for the collection, use or
disclosure of your personal information, except where it is required or
permitted by law. Principle 4 – Limiting Collection We collect information by fair and lawful means and limit our collection to those details necessary for identified purposes. Principle 5 – Limiting Use, Disclosure and Retention We
use or disclose your information only for which it was collected,
unless you consent otherwise, or when it is required or permitted by
law. We retain information only for the time required to fulfill the
purpose for which it was collected. Principle 6 – Accuracy We maintain and update your information as accurately and completely as necessary to fulfill the purpose for which it is used. Principle 7 – Safeguarding Client Information We protect your information with security safeguards appropriate to the sensitivity level of the information. Principle 8 – Openness We make information available to you concerning the policies and practices that apply to the management of your information. Principle 9 – Client Access At
your request, you will be informed of the existence, use and disclosure
of your information, and be given access to it. You may verify the
accuracy and completeness of your information, and may request that it
be amended. Principle 10 – Handling Client Complaints and Suggestions Our Privacy Officer will answer any questions or enquiries you have about our Privacy Code or practices. Safeguarding Your Information We
have thorough and comprehensive security safeguards and standards in
place to protect our systems and your information against unauthorized
access and use. All
One-Link Mortgage & Financial employees are familiar with
procedures that safeguard Client information. The protection of your
information is specified in our employment agreements and regularly
confirmed in writing. We
audit our procedures and security measures regularly to ensure that
they are properly administered and remain effective and appropriate.
We retain your information only as long as it is required for the
reasons it was collected. Depending on the product or service and the
nature of the information, this period may extend beyond your
relationship with us but only as long as it is legally necessary. When
your information is no longer needed, we have procedures in place to
destroy, delete, erase or convert it to an anonymous form. As part of
their contracts with us, our suppliers and agents have confidentiality
agreements in place and may not use your information for unauthorized
purposes. We ensure all legal enquiries or orders are valid and
disclose only the information required by law. What We Collect And Why We Need It You
look to us to offer responsible, reliable financial services and
value-added advice. Collecting current, accurate information allows us
to provide you with the best possible financial advice, and products
and services you may find valuable. To
this end, One-Link Mortgage & Financial, our affiliates and
partners in the Canadian mortgage industry, use or disclose your
personal information to: provide you with services you request The
information we request depends on the product or service you want. Much
of the information we ask for is either mandatory by law or vital for
us to be able to do business with you. Here are a few examples where
you must provide us with specific information in order to obtain the
product or service you want. Social Insurance Number (SIN) In
order to comply with the Canadian Credit Reporting Agency requirements,
we must collect your SIN when you apply for credit financing. Financial Information Your
financial information is also necessary to assess your eligibility for
credit products you request, such as a mortgage, loan or line of
credit. Health Information Information about your health may be required to determine your eligibility for some of the insurance products you request. Date of Birth Knowing your birth date helps us identify you and reduces the risk of someone trying to impersonate you. We
collect and maintain personal information from both our Personal
Clients and our Commercial Clients. We may ask for information in
person, or by telephone, fax, mail or Internet. Why We May Ask Others For Information About You We
obtain most information about you directly from you. however, with your
consent, we may ask for information about you from a third party. For
example, if you are applying for a mortgage or other credit, we may
contact other lenders or credit bureaus for information about your
credit history and we may also contact your employer or other sources
to verify information you provide to us. When We Share Information We
are not in the business of selling Client lists or information about
you to others but, under certain circumstances, we may release your
information to outside parties: For Credit Granting Purposes Just
as we may request information from a third party when you apply to
One-Link Mortgage & Financial for arranging credit financing, with
your consent, we may disclose your credit history to other lenders or
credit bureaus if you apply for credit at another institution. In these
cases, we release only the information required to identify you and
credit records about your repayment history. When Required or Permitted by Law We
are obligated to provide information in response to a valid demand,
search warrant or other legal enquiry or order. We may also disclose
information to help us collect a debt owed to us and in the case of a
breach of agreement or contravention of law. The Choice is Yours As
a One-Link Mortgage & Financial Client, you must provide required
information for a product or service you request. However, you can opt
out of receiving promotional information sent to you by One-Link
Mortgage & Financial by simply contacting us. The information above taken from the company's Privacy Policy posted online at www.onelinkmortgage.com
determine what products or services would benefit you
develop, offer, manage and provide products and services that meet your needs
determine what products or services you are eligible for
determine your financial situation
promote our services to you
safeguard your financial interests by detecting and preventing fraud
share with credit bureaus and other financial institutions when your credit history is required
meet legal, regulatory and employment requirements
