Hypotheques.ca, a mortgage brokerage firm (“Hypotheques.ca”, “we”, “us” or “our”), values your privacy and the protection of your personal information. The purpose of this Privacy Policy is to inform you about our practices regarding the collection, use and disclosure of this information.

This policy applies to all personal information that we collect or generate through our interactions, including our website, our customer portal, our brokers and any agent acting on our behalf (“Registered Agent”), in connection with our customers or any other person with whom we have a business relationship, including prospective customers and persons who have opened an account in any form.

Please read this policy carefully. By providing us with your personal information, registering for or using our services, accessing our site or voluntarily interacting with us, you consent to our collection, use and disclosure of your personal information as described in this policy, which may be updated from time to time. Our policy describes the standards we follow in managing your personal information, including its collection, use, disclosure and retention.

WHAT DOES THIS PRIVACY POLICY CONTAIN?

• Your consent to collection, use and disclosure
• The personal information we collect
• How we use your personal information
• How we share your personal information
• Unsubscribe from communications
• Retention of personal information
• Information security
• Accessing and updating your personal information
• International transfer and storage of information
• Third-party websites and services
• Information updates
• Contact us

Your consent to collection, use and disclosure

Mortgage.ca collects, uses, discloses and stores the personal information you share with us, subject to your consent. We may collect, use, disclose and store any information you enter on the Hypotheques.ca website or customer portal, as well as information you provide to us during offline interactions, in accordance with your consent or as permitted or required by law. How we obtain your consent (i.e. the form used) depends on the circumstances and the sensitivity of the information collected. Unless the law prescribes a specific form of consent, it may be express or implied, depending on the circumstances and the nature of the information involved. If you choose to provide us with personal information, we will assume that you consent to its collection, use and disclosure as set out in this Privacy Policy. Generally, we will ask for your consent at the time we collect your personal information, such as when you sign the Hypotheques.ca consent form.

If we wish to use your personal information for a purpose other than that for which it was originally collected, we will seek your consent before using it for this new purpose, for example in connection with our third-party product program. You have the right to withdraw your consent at any time by contacting us using the contact details provided in the “Contact us” section below. Before doing so, we may ask for proof of your identity. In some cases, withdrawing your consent may limit our ability to provide you with certain products or services. If you provide us with personal information about another person, you are required to obtain that person’s consent for us to collect, use and disclose his or her information in accordance with this Privacy Policy. in the “Contact Us” section. However, before implementing the withdrawal of your consent, we may require proof of your identity. In some cases, withdrawing your consent may mean that we will no longer be able to provide certain products or services. If you provide us with personal information about another individual, you are responsible for obtaining that individual’s consent to allow us to collect, use and disclose that individual’s information as described in this Privacy Policy.

The personal information we collect

When you visit our site or access our customer portal, we collect certain personal information about you or your customers.

The personal information we collect generally falls into the following categories:

• On the https://hypotheques.ca site, we may collect information about you or your activities, such as:
  • Quotation request” and ‘our contact information’ forms: we collect your name, e-mail address, telephone number and any other information you send us in your message.
  • Newsletter subscriptions: we collect your first name, last name and e-mail address.
  • Job applications: we collect your first name, last name, e-mail address and any other information you provide to us, whether as an unsolicited application or in response to a job offer.

We obtain most of your information directly, with your consent, for the following purposes:

• Personal information required to open an account or arrange a mortgage: name, address, e-mail address, telephone number, date of birth, marital status, social insurance number, citizenship and number of dependents.
• Personal information we retain, including information provided at the time of each application, as well as credit information obtained from the customer or with the customer’s consent.
• Information relating to your assets, liabilities, financial objectives, bank details and other accounts or payments, including use of our products and services.
• Data required for legal compliance: occupation, name of employer, annual income, driving license or passport for identification and distinction from customers with similar names.
• Other relevant information to enable us to offer you products and services tailored to your needs.

Like many websites and online services, we may collect technical and device-related information when you use our services. This may include your device’s unique identifier, data about your browser, your operating system, and the date and time you browse our site.

Our site uses cookies or similar technologies such as web beacons or pixels to enhance your browsing experience, improve site performance and generate audience statistics. These files are installed on your device’s hard disk or browser and collect information such as your preferred language, browsing history and the type and version of browser you are using. These tools are designed to optimize your experience. You can set your browser to refuse all cookies or to notify you when a cookie is being sent. Each browser has its own instructions on how to do this.

We also use analytics tools, including Google Analytics, to automatically collect non-personal information about the use of our services.

We use Google Analytics to better understand how our users interact with our services. The anonymous information generated by cookies is transmitted to Google and used to generate statistical reports on the activity of our site. These reports enable us to analyze site traffic and determine future directions, including any necessary updates. You can disable the sending of your anonymous data to Google Analytics by installing the appropriate add-on:  https://tools.google.com/dlpage/gaoptout?hl=fr. Google Analytics may also share anonymous data with other Google services, which may use it to personalize ads within their own advertising network. We reserve the right to carry out statistical analyses of the anonymous and aggregated data collected via our site in order to measure interest in our services. These anonymous and aggregated analyses may be shared with third parties.

Other interactions:

For people who interact with us, whether in person, by phone, by email, on social networks or via other channels, including those who may be interested in our services, we may collect any information you share with us.

How do we use your personal information?

We use your personal information to provide and improve our services and to meet our legal obligations.

Your personal information and other information may be used for the following purposes:

• To communicate with you and comply with laws applicable to our products and services.
• To monitor, improve and develop our services.
• Analyze customer needs and behaviors to improve our service.
• Conduct research and analysis related to our business, products and services.
• Respond to your requests for information and other inquiries.
• Provide you with information about our products and services that may be of interest to you.
• Fight fraud and investigate disputes.
• Meet our legal obligations.

We may also use your personal information with your consent for other purposes permitted or required by law.

We do not use the information we collect to promote third-party products or services, or to provide targeted advertising for Hypotheques.ca products or services on third-party sites or services.

How we share your personal information

You have the right to access your personal and confidential information held by us, and to request changes by sending us a written request at the following address Hypotheques.ca Mortgage Brokerage, 4454 Av. Papineau, Montréal, QC H2H 1T8 We promise to respond promptly.

When we share your personal information with service providers or partners, we ensure that they comply with the rules set out in this policy and that they maintain the confidentiality and security of your data. We also require them to use your personal information only for the purposes agreed. Once these purposes have been met, we require that the data be destroyed, except in cases where the retention of anonymous or statistical information is necessary.

We prohibit our service providers from disclosing your information to unauthorized third parties or from using it for direct marketing activities. Here is a list of our service providers who may process your personal data, with links to their privacy policies:

• Finastra for mortgage preparation – Privacy policy
• Twilio for sending 2FA codes – Privacy policy
• Zoho One for managing your application and synchronizing with our Maestro CRM – Privacy policy
• Nylas to synchronize communications with our Maestro CRM – Privacy policy

We may also use or disclose your personal information where permitted, necessary or appropriate, for example:

• In compliance with applicable law, including outside your country of residence.
• To respond to legal proceedings or requests from public authorities, including internationally.
• To protect our rights, privacy, security or property, or those of our affiliates or third parties.

In the event of a reorganization, merger, sale or transfer of assets, your personal information may be transferred to a third party. We will always identify such third parties and obtain your consent prior to any such transfer.

Unsubscribing from communications

We may send you marketing e-mails. If you no longer wish to receive them, you can unsubscribe by clicking on the “unsubscribe” link in each e-mail or by contacting us using the information provided in the “Contact us” section. We will process your request as quickly as possible, but please note that even after unsubscribing, we may continue to send you non-commercial communications about your products or services.

Retention of personal information

Your personal information will be kept only for as long as is necessary for the purposes for which it was collected, in accordance with the law. For more information on our retention periods, please contact us.

Information security

We have implemented physical, organizational, contractual and technological security measures to protect your personal information against loss, unauthorized access, disclosure or modification. Only personnel with a legitimate need have access to your personal information.

However, no method of transmission or storage is completely secure. If you believe that the security of your data has been compromised, please contact us immediately.

Rights to your personal information

You have the right to access and request rectification of your personal information. If you demonstrate that the information held is inaccurate or incomplete, we will correct it. In certain circumstances, you also have the following rights:

• Withdraw your consent to the use of your personal information.
• Request that your information no longer be disseminated.
• Request information on the use of automated decision-making systems.
• International and interprovincial transfer of personal information

Your personal information is currently hosted in Canada. However, it may be stored or processed in other countries, including the United States, subject to local laws. Our practices will, however, remain consistent with this Privacy Policy.

Third-party sites and services

Our privacy policy does not extend to sites or services provided by third parties. We encourage you to review their privacy policies before using their services.

Updates

hypotheques.ca reserves the right to modify this policy at any time. Changes will be effective immediately upon posting on our site. Your continued use of our services constitutes your acceptance of these changes.

Contact us

If you have any questions about this Privacy Policy, please contact our Privacy Officer at .