Effective Date: December 22, 2023

Mortgage Architects values your personal information and we have adopted the following policy on how your personal information is used and maintained.

1. We collect, use and disclose your personal information for a variety of reasons: (i) to identify you and verify any information you provide us (ii) to assess your creditworthiness and eligibility for products and services (iii) to recommend particular products and services that may be of interest to you (iv) to present your mortgage application to various lenders and insurers for the purposes of securing and/or renewing a mortgage and/or related service (v) to maintain our client relationship with you so we may serve you better.
2. You understand that Mortgage Architects maintains its own file containing your personal information.
3. Your file will be kept physically at the office of your independent mortgage planner with Mortgage Architects until a loan/mortgage is funded, after which, it is scanned and sent to a Mortgage Architects corporate or licensed office for compliance review and then electronically stored on the secure Mortgage Architects computer systems. Your file will also be subject to the privacy policy of the lender that funds your mortgage review and storage, and electronically on Mortgage Architects computer systems. Your file will also be subject to the privacy policy of the lender that funds your mortgage.
4. While at Mortgage Architects the access to your file is restricted to personnel on a need to know basis. Our personnel is required to safeguard the confidentiality of your personal information and privacy. We have systems in place which safeguards your personal information and prevents unauthorized access.
5. Other than as provided under this privacy policy we do not share your personal information without your authorization or when permitted or required by law.
6. You will have access to your personal information upon request and you may challenge the accuracy and completeness of the information and such information will be amended as appropriate.
7. If you have any concerns about our privacy policy or require additional information, please contact our Privacy Compliance Officer at 1-877-802-9100.

Privacy Policy for SC Mortgages

Effective Date: December 22, 2023

Introduction

Welcome to SC Mortgages. This privacy policy outlines how SC Mortgages (operating the website sc-mortgages.com) collects, uses, stores, shares, and protects your personal information. We are committed to ensuring the privacy and protection of our users’ data, in compliance with the Personal Information Protection Act (PIPA) of Alberta, Canada.

Contact Information

• Business Name: SC Mortgages
• Email: sunil.menon@sc-mortgages.com
• Address: PO Box 138, Fort McMurray, Alberta – T9K 2Y4, Canada

Data Collection

We collect personal data when you:

• Visit our website.
• Inquire about or apply for our mortgage services.
• Contact us via email or other communication channels.
• Post comments on our website.

This data may include, but is not limited to, your name, contact details, financial information, employment history, creditworthiness, and any information you provide in comments.

Cookies and Tracking Technologies

• Our website uses cookies and similar tracking technologies to enhance user experience and analyze website usage.
• You have the option to accept or reject cookies, and you can also set your browser to refuse all cookies or to indicate when a cookie is being sent.

Data Usage

Your data is used for the following purposes:

• To provide and improve our mortgage services.
• To communicate with you regarding your inquiries or applications.
• For internal record keeping and compliance with legal obligations.
• For marketing purposes, subject to your express consent.

Data Storage and Retention

• We store your data securely on our servers.
• Personal data is retained only for as long as necessary to fulfill the purposes for which it was collected, in compliance with our legal obligations and industry standards.
• Data associated with comments or posts may be retained indefinitely to maintain the context of conversations.

Data Sharing

• Data may be shared with third-party service providers solely for the purpose of processing your mortgage applications.
• We do not sell or rent personal data to third parties.
• Any international data transfer will be conducted in compliance with PIPA and applicable privacy laws.

Security Measures

We implement appropriate technical and organizational measures to protect your data against unauthorized access, alteration, disclosure, or destruction.

User Rights

Under PIPA, you have the right to:

• Request access to and correction of your personal data.
• Withdraw consent to the use of your data, where consent is the basis of processing.
• Raise concerns about how we handle your personal data.

Exercising Your Rights

To exercise your rights under PIPA, please contact us at sunil.menon@sc-mortgages.com. We will respond to your request in accordance with PIPA requirements.

Changes to Privacy Policy

We may update this policy from time to time. Any changes will be posted on this page with an updated effective date.

Consent

By using our website and services, you consent to the collection and use of your data as outlined in this policy.

Contact Us

For any questions or concerns regarding this privacy policy, please contact us at the email or address provided above.