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Your Privacy is Safeguarded!
Last Updated:
Information Collection and Use
mortgageshoppercanada.ca will collect and use personal information about you to respond to your
request for products and services offered through this website. We will also collect information in
order to send you information for which you have opted in. Although personal information we collect
from you may be considered publicly available through government records or available through
widely distributed media, we will treat all personal information submitted by you as nonpublic
personal information. The information we collect may be from the following sources:
- Information provided by you in connection with obtaining financial products or services
such as mortgage loans (such as full name, telephone number, self-assessed property value, and
social insurance number).
- Information you provide us when you register to receive communications from us (such as
your email address).
- Information you provide us when you enter promotions or sweepstakes offered by
mortgageshoppercanada.ca (such as your full name, physical address and email address).
- Information you provide us through surveys, feedback, or other forms hosted on our website
or the pages of a mortgageshoppercanada.ca partner.
We also collect demographic information. Demographic information is all other
information such as gender, zip code, or any information that is not tied to your personal
information. In addition, we might receive information about you from other sources (such as
service providers) for tracking purposes. We may add the information we receive about you to your
existing account. Like other websites, we also automatically receive and record certain types of
information every time you visit us. We use "cookies" and the other information to enhance your
experience and present you with personalized Quotes. Likewise, we sometimes use third-party
advertising companies to serve and track advertisements appearing on our website. These companies
may employ cookies and action tags to measure advertising effectiveness. Any information that these
third parties collect via cookies and action tags is completely
anonymous.
Information Sharing and Disclosure
We do not share personal information about you with other people or nonaffiliated companies except
to provide product or services you have requested or under the following circumstances:
Loan Products or Service Requests - If you submit a request for
a loan product or service offered through this website we will share the personal information
contained in your request form, such as your full name, physical address, telephone number,
property location and self-assessed value, and social insurance number, with lenders in our
provider network strictly to process and fulfill your request. In some circumstances, we may
obtain additional information about you and/or share that information with lenders in our
provider network. For example, we may use your social insurance number to obtain your credit
score to help us match you with a lender. In addition, lenders that receive your personal
information may use your social insurance number to pull your credit score and/or credit report
in order to process and fulfill your request. All lenders in our provider network, which
include banks, mortgage lenders and brokers, have entered into marketing agreements with
mortgageshoppercanada.ca and are required to comply with federal and provincial privacy
regulations. The lenders may contact you by telephone, email, or mail based on the information
you provided to us in order to process and fulfill your request. If one of the lenders
contacts you by telephone and you wish not to be contacted again by that lender with respect to
your inquiry, then you should specifically make a request to that lender not to contact you
again. If the lender disregards your request and contacts you again, please let us know
immediately by sending an email to mortgageshoppercanada.ca
Customer Care. Please note that the lenders may maintain the information you provided
whether you elect to use their services or not.
Other Products or Service Requests - If you
submit a request for a product or service other than a loan such Internet access, automobile
insurance or long distance telephone service, we will share the personal information contained
in your request form such as your full name, telephone number and email address with our
business partners to process and fulfill your request. Our business partners may contact you by
telephone, email, or mail based on the information you provided to us. If one of our partners
contacts you by telephone and you wish not to be contacted again by that business partner with
respect to your inquiry, then you should specifically make a request to that partner not to
contact you again.
Vendors - We sometimes disclose the information
we collect to companies that host certain services for us such as marketing distribution
services on our behalf. These vendors only have access to personal information needed to
perform their functions, and may not share it with others or use it for any other purpose.
These companies are subject to confidentiality agreements with us and other legal restrictions
that prohibit them from using the information except to market the specified
mortgageshoppercanada.ca products or services.
Affiliate Partners - Personal and business
information submitted through the "Affiliate Program" comes directly to
mortgageshoppercanada.ca and is only shared with our business partners to process and fulfill
your request. Our business partners may contact you by telephone, email, or mail based on the
information you provided to us. If one of our partners contacts you by telephone and you wish
not to be contacted again by that business partner with respect to your inquiry, then you
should specifically make a request to that partner not to contact you again.
As Permitted by Law - We may be required to
share your personal information with law enforcement or government agencies in response to
court orders, federal/provincial audits or similar circumstances. We believe it is necessary to
share information in order to investigate, prevent, or take action regarding illegal
activities, suspected fraud, situations involving potential threats to the physical safety of
any person, violations of mortgageshoppercanada.ca’s
Terms of Use, or as otherwise required by law.
Business Transfer - As with any other business,
it is possible that Off the Shelf Industries Inc, doing business as mortgageshoppercanada.ca,
in the future could merge with or be acquired by another company. If such an acquisition
occurs, the successor company would have access to the information maintained by
mortgageshoppercanada.ca, including customer account information, but would continue to be
bound by this privacy pledge unless you consent otherwise.
Advertisements & Pop Up Windows
On occasion, you may receive advertisements for mortgageshoppercanada.ca from third parties. For
instance, when visiting a third party website, you may receive a "pop up" window advertising
mortgageshoppercanada.ca. Please note that such advertisements are served by the third party
website that you have visited and are not controlled by mortgageshoppercanada.ca. In addition, such
advertisements may be placed by third party ad servers or ad networks. We maintain relationships
with a number of the third party ad networks currently operating. You may find more information at
the website of either the individual ad network.
Anti-Spam Policy
You will not receive mortgageshoppercanada.ca email communications unless you submit your email
address to us and register to receive them. Additionally, you may also receive emails that
advertise mortgageshoppercanada.ca’s services from third party publishers. We have established firm
ground rules for dealing with any third party email services to ensure that advertisements for
mortgageshoppercanada.ca are not sent out through a "Spam" mailing -- ensuring that our Quotes are
sent only to those individuals who have given their permission to the third party email service to
receive email communications. If any third party email publisher refuses to abide by
mortgageshoppercanada.ca’s anti-Spam policy, we will not use that publisher's services. If you want
to stop receiving emails from a third party, you should follow the opt-out instructions included in
the third party email so that you will not be included in any future mailings. An "unsubscribe"
link should appear within or at the top or bottom of the email you received. However if for any
reason it does not work, please bring that to our attention by emailing us at
mortgageshoppercanada.ca
Customer Care.
Cookies and IP Addresses
To serve you faster and with better quality, we use "cookies" technology. Cookies are small bits of
code, usually stored on a user's computer hard drive, which enable a Website to "personalize"
itself for each user. We generally use cookies to reduce the time it takes for pages to load on
your computer and to assist with customer tracking. Customer tracking (or "click-stream") data
collected by us is used to optimize your experience by learning whether or not you successfully
used mortgageshoppercanada.ca. Cookies are not tied to your personal information. Additionally, we
may capture click-stream data on some of our partner's websites, limited to the activity involved
with the completion of Quotes listed on our website. This information is used to monitor the
performance of our partners.
We also keep track of Internet Protocol (IP) addresses. An IP Address is a
number that is used by computers on the network to identify your computer every time you log on to
the Internet.
Clear Gifs
We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) that help us better
manage content on our site by informing us what content is effective. Clear gifs are tiny graphics
with a unique identifier, similar in function to cookies, and are used to track the online movement
of Web users. Clear gifs are not tied to users' personally identifiable information. We also use
clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This
allows us to gauge the effectiveness of certain communications and the effectiveness of our
marketing campaigns. If users would like to opt-out of these emails, please see the Opt-out section
within any email you receive from us. Each email provides a link to opt out of our maillings.
Confidentiality and Security
The security of your personal information is very important at mortgageshoppercanada.ca and we take
a number of steps to safeguard it. For example:
- We limit access to personal information to those employees or agents who assist us in
providing requested products and services to you. Employees are required to comply with our
strict policies and procedures regarding the handling of your personal information. Employees
who violate these policies are subject to our normal disciplinary process.
- We maintain physical, electronic, and procedural safeguards that comply with federal
standards to guard personal information about you.
- We use industry standard data encryption technologies when transferring and receiving
consumer data on the mortgageshoppercanada.ca website.
- We have partnered with VeriSign to protect against the loss, misuse or alteration of
information that we collect from you.
Opting-Out
You may register to receive communications from us directly on our website or through a third
party. Upon registering, we will periodically send you newsletters and other e-mails featuring
special and exclusive Quotes, promotions and other members-only benefits. If you no longer wish to
receive these communications, please let us know by sending an email to mortgageshoppercanada.ca
Customer Care (You may also opt-out by clicking on the unsubscribe link in our emails). Our
email database is updated continually. However, you may continue to receive email communications
from us up to ten business days from the time we receive your unsubscribe request. Please note that
mortgageshoppercanada.ca can only control its own mailing list and policies. Third party
advertisers that maintain their own mailing lists may send communications that advertise our
services, and you may need to contact these parties directly in order to stop receiving their email
communications. Also, please note that if you enter into a transaction through our website, we may
send you a thank you notice, ask for a satisfaction rating, request a testimonial and give you
periodic product reminders as part of your service.
Third Party Links
This Privacy Pledge applies to all information that you provide to mortgageshoppercanada.ca.
However, when you visit websites to which mortgageshoppercanada.ca provides a link, keep in mind
you will be interacting with a third party that operates under its own privacy and security policy.
If you choose to obtain certain services through a third party site, the data collected by the
third party is governed by that third party's privacy policy. A third party site will also have its
own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy
policies of any other service provider from whom you request services.
If mortgageshoppercanada.ca receives personal information from a third party
that is not in conjunction with a service offered on our site, the use and disclosure of such
information is governed by the agreement (if any) between mortgageshoppercanada.ca and such third
party.
Framing
In some cases, we may use third party vendors to operate portions of the mortgageshoppercanada.ca
website. Although the particular section of the website may have a similar appearance as the
mortgageshoppercanada.ca site, information submitted through these outside third parties are
subject to this Privacy Pledge unless otherwise stated.
A Special Note about Children's Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose
personal information about visitors under 18 years of age. If you are under 18 years of age, you
can use the services offered on our website only in conjunction with your parents or guardians.
Please see our
Terms of Use for more information.
Updating Your Information
If you want to access or update the personal information you submitted to mortgageshoppercanada.ca,
please contact Mortgageshoppercanada.ca
Customer Care. In the alternative, you can write us at the address below and request that your
personal information be updated.
Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy policy, you may contact
us:
Click here to email our customer care staff
By sending a letter to:
Mortgageshoppercanada.ca
Attn: Customer Care
8728 SW Marine
Vancouver, British Columbia,
Canada, V6P 6A4
Changes to this Privacy Pledge
Mortgageshoppercanada.ca may update or modify this Privacy Pledge from time to time. If there are
material changes to this Privacy Pledge or in how Mortgageshoppercanada.ca will use your personal
information, we will post such changes here. You will be notified if any of the material changes
that affect the use of your personal information and asked to opt-in to the new use of your
personal information. If you do not agree with the changes to how your information will be used,
please do not continue to use this website.
By using this site, you signify your assent to the Mortgageshoppercanada.ca
Privacy Pledge. If you do not agree to this policy, please do not use any of the
Mortgageshoppercanada.ca site. W hen you request rate quotes or other information through
Mortgageshoppercanada.ca, you are authorizing us to share information with our business partners,
who will contact you by phone, email, or mail. If you do not want further communication from them,
please notify the partner directly. We reserve the right to make changes in this policy at any
time. Please check the policy each time you use our website to ensure you are aware of any changes
in our privacy practices. Our Privacy Pledge will indicate the date it was last updated. Your
continued use of our site will signify your acceptance of the changes to our Privacy Pledge.
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