We respect the privacy of our clients and we are committed to keeping your personal information accurate, confidential, secure and private. We have adopted the following Privacy Policy to ensure that we continue to meet our commitment to your privacy.
The following sections, read as a whole, comprise our Privacy Policy:
Introduction
In the course of providing our services, we may collect certain personal information about our clients with their consent. "Personal Information" means information about an identifiable individual. This may include, without limitation, the individual's name, home address, age, income, credit history or other financial information, credit card information, personal preferences and other information about his or her family. Personal Information does not include the name, title, business address or telephone number of an employee of an organization.
In the course or providing services to customers we routinely share this information with others such as credit reporting agencies, financial institutions, and other suppliers who are directly involved in the process.
Our Privacy Policy is based on, and complies with, Canada's Personal Information Protection and Electronic Documents Act ("PIPEDA"), which includes the Ten Privacy Principles outlined in the Canadian Standards Association Model Code for the Protection of Personal Privacy. For more information about this legislation, please visit the official Web site of the Privacy Commission of Canada at http://www.privcom.gc.ca.
This Privacy Policy describes the ten principles that we follow to ensure that we protect your Personal Information when we collect, use or disclose it in the course of carrying on commercial activities in Canada. All of our employees who have access to Personal Information must adhere to our Privacy Policy and related procedures. To this end, we have appointed a Chief Privacy Officer to ensure compliance by all employees and to address your privacy concerns.
The Ten Principles of Privacy
The following ten principles govern our actions as they relate to the use of Personal Information:
Principle 1 - Accountability Principle 2 - Identifying Purposes Principle 3 - Consent Principle 4 - Limiting Collection Principle 5 - Limiting Use, Disclosure and Retention Principle 6 - Accuracy Principle 7 - Safeguarding Personal Information Principle 8 - Openness Principle 9 - Access Principle 10 - Addressing Complaints
Principle 1 - Accountability
We are accountable for all Personal Information in our possession or custody, including Personal Information disclosed to third parties for purposes of providing services requested by you.
Principle 2 - Identifying Purposes
We will inform you of the purposes for which we are collecting any Personal Information, before or at the time the information is collected. Often the purpose is outlined with the body of any application or contract for services you may execute when dealing with us.
Principle 3 - Consent
We will obtain your consent before or when we collect, use or disclose your Personal Information.
Consent can be express, implied, or given through an authorized representative. You may withdraw your consent at any time (subject to any legal consequences of which you will be advised).
Subject to legal and contractual restrictions, you can refuse to consent to our collection, use or disclosure of information about you, or you may withdraw your consent to our further collection, use or disclosure of information at any time in the future by giving us reasonable notice. If you wish to withdraw your consent, we will inform you of the likely consequences of doing so (for example, the inability to provide certain services).
Principle 4 - Limiting Collection
The collection of Personal Information will be limited to that which is necessary for the purposes identified by us. We will collect information by fair and lawful means.
Principle 5 - Limiting Use, Disclosure and Retention
Personal Information will not be used or disclosed for purposes other than those for which it was collected, except with your consent or as required or permitted by law. Personal Information will be retained only as long as necessary for the fulfillment of those purposes.
Principle 6 - Accuracy
Personal Information will be maintained in as accurate, complete and up-to-date form as is necessary to fulfill the purposes for which it is to be used.
Principle 7 - Safeguarding Personal Information
Personal Information will be protected by security safeguards appropriate to the sensitivity of the information, including through the use of measures such as locked filing cabinets in a secure building, restricted access and technological measures including security software, encryption, VPNs, and firewalls as necessary.
Principle 8 - Openness
We will make available to you specific information about our policies and practices relating to the management of Personal Information.
Principle 9 - Access
Upon written request, we will inform you of the existence, use, and disclosure of your Personal Information and give you access to that information, subject to any legal restrictions or rights of refusal.
You may also verify the accuracy and completeness of your information and request that it be amended, if appropriate.
Principle 10 - Addressing Complaints and Suggestions
You may challenge our compliance with this Privacy Policy and PIPEDA by contacting our Chief Privacy Officer.
We have procedures in place to receive and respond to complaints or inquiries about our handling of Personal Information, our compliance with this Privacy Policy, and with applicable privacy laws. To challenge our compliance, please write to our Chief Privacy Officer at the address set out below.
Our Chief Privacy Officer Ryan Smith will investigate all complaints. If a complaint is found to be justified, we will take appropriate measures to resolve the complaint including, if necessary, amending our policies and practices.
For more information, or if you have questions or concerns, please contact:
Ryan Smith House & Home Mortgage Co. 546 St. Paul St., Kamloops BC, V2C 5T1 Telephone: 250-682-0908 Email: info@hhmtg.com
We reserve the right to amend this Privacy Policy from time to time. Any amendments we make will be effective when we post them on our website. We will notify you of any material changes to this Privacy Policy as required by law.
We are committed to maintaining the accuracy, confidentiality, and security of your Personal Information. If you have any questions about our Privacy Policy, please contact our Chief Privacy Officer at the contact information provided above.
We value your business and are committed to protecting your privacy. We hope this Privacy Policy helps you understand how we collect, use, and disclose your Personal Information and demonstrates our commitment to fair information practices and the protection of privacy.
Thank you for your trust.