The Mortgage Map Inc. (“The Mortgage Map”, “TMM”, “we”, “us”, or “our”) is committed to preserving the privacy of all individuals, including you (“you” or “your”), who use our website, www.themortgagemap.com (the “Website”), and who access or use our application, The Mortgage Map (the “App”). The Website and App are collectively referred to as the “Services” throughout this privacy policy. This privacy policy (“Privacy Policy”) is designed to help you understand how your personally identifiable information (“Personal Information”) is collected, used, stored, and disclosed when you engage with TMM. Before registering, submitting any content or Personal Information, or otherwise engaging with us, please make sure that you read and understand this Privacy Policy as well as our End User Terms of Use or if you are a mortgage professional, our Terms of Use for Mortgage Professionals (both referred to in this Privacy Policy as our “Terms of Use”). Our Terms of Use and Privacy Policy are collectively referred to herein as our “Terms”.

This Privacy Policy applies to the Personal Information that is provided by you during your use or interaction with our Services. The Services may include links to third-party websites, plug-ins, services, or applications, including for the purposes of interacting with your mortgage professional and their team (“Mortgage Professional”) or for the Mortgage Professional interacting with the borrower client (“Borrower”), and such third party’s privacy policy may also apply to you. Clicking on those links or enabling those connections may allow the third party to collect or share data about you. If you follow a link to a third-party website or engage a third-party plugin, please note that these third parties have their own privacy policies and we do not accept any responsibility or liability for these policies. We do not control these third-party websites, and we encourage you to read and review each privacy policy that applies to you as our Privacy Policy terms may differ from the terms contained in third parties’ privacy policies. We do not endorse or in any way guarantee performance or accept liabilities with respect to such third parties, including the privacy policy and practices of your Mortgage Professional.

You are under no obligation to provide Personal Information, with the caveat that your refusal to do so may prevent you from using certain portions of our Services. TMM does not collect, use, store or disclose Personal Information without your consent, or without your Mortgage Professional’s consent, except as required by law or as set out below.

If you have any objections to the terms in this Privacy Policy, you should not use the Services or provide us with any of your Personal Information, as by providing your Personal Information to us, you will be deemed to have consented to the processing of such data. If you have any hesitations or are unsure about any of the Terms, we invite you to contact us at
info@TheMortgageMap.com .

COLLECTION OF PERSONAL INFORMATION

We may collect the Personal Information you disclose to us through your use of the Services as well as other information as set out below.

Information you Provide

Your voluntary disclosure of Personal Information may include, but is not limited to:

a) basic personal information, including your name, contact information, marital status, living history, and income level;

b) information and other details about your subscriptions to third party sites;

c) information about third parties who may be your beneficiaries or estate managers;

d) information required to complete your mortgage application, including your credit history, desired mortgage goal, medical information, current property, subject property, assets, liabilities, education, employment information and personal identifiers including social insurance numbers;

e) information collected in a dispute resolution, if applicable;

f) information you provide when you engage with the Services for various purposes, including account openings, registration or submission of other information to us; and

g) any feedback you provide regarding our products and services.

2. Automatic Information

During your interaction our Services, we may collect and store data collected automatically (“Automatic Information”) about you as you engage with our Services. This information may be collected using various technologies including, without limitation, “Cookies” (meaning alphanumeric identifiers that are stored on your device with which you access our Services), Internet tags and navigational data. Some of this information is automatically transmitted to us through your browser, such as the URL that you just visited, the browser version that your computer uses, the pages of our website that you visit, the time spent on each page, the time and date of you visit and other statistics. For further clarification, cookies are alphanumeric identifiers that are stored on your device with which you access the Services. These cookies allow us to adjust our Services to meet your personal browsing preferences. If your browser is not set to allow cookies, you may not have access to all areas or features of the Services.

In addition, we may use third party services that collect, monitor and analyze this type of information in order to increase our Services’ functionality. These third party service providers have their own privacy policies addressing how they use this information. We encourage you to read and review these third parties’ privacy policies.

USE OF YOUR INFORMATION

To accomplish any of the purposes listed below, we may combine Personal Information and Automatic Information, and non-personal information collected through your use of our Services. This information may be used in ways that are in line with the intent behind the collection of information. Some examples of said use may include:

a) to connect you to your mortgage professional, or if you’re a mortgage professional to connect you to a borrower;

b) to enforce our Terms;

c) to complete and track your mortgage application;

d) to prevent, detect and investigate potentially prohibited or illegal activities, fraud and security breaches;

e) to collect data on our Services;

f) to improve our Services;

g) to contact mortgage professionals for the purpose of marketing, promotional offers, updates, and to contact borrowers on behalf of their mortgage professional to use our Services, and any other purpose set out in our Privacy Policy;

to personalize your experience while using our Services; and

j) to provide you with any additional information you may request.

For the purposes of administering your mortgage application, we will share your Personal Information with the Mortgage Professional and as applicable, the appropriate third-party lending institution and other intermediary service providers including, but not limited to, Lendesk/Finmo and Zoho.

Automatic Information

We may aggregate, evaluate and use Automatic Information in order to help improve our Services. We may use cookies, IP addresses or other Automatic Information to analyze trends, administer our Services, track your Website or App navigation and gather broad demographic information. Automatic Information will not be published or made public through our Services. We may also use your information to collect and compile Aggregated Statistics, as defined in our Terms.

DISCLOSURE OF YOUR INFORMATION
Business Operations

We may disclose information to our representatives, affiliates, suppliers or other third parties with which we do business (our “Business Partners”) when it is deemed necessary for our business operations. For example, we may share information with a property aggregator to receive information about the Subject Property being purchased or, we may share your First Name and Last Name with a third-party application for e-signature.

From time to time, we may engage companies or individuals for certain services on our behalf including, without limitation, conducting audits, performing legal services, processing credit card payments, collecting feedback, and providing customer service. Our Business Partners and any other third-party service providers will only have incidental access to Personal Information to the extent required to perform their services. They are prohibited from the use of your Personal Information for any purpose other than assisting with our business operations.

Safety and Security

We may disclose your Personal Information as necessary to protect the safety or security of users of our Services, to detect and prevent fraud or abusive behaviour, or when otherwise required or permitted by law.

Transfer or Sale

In the event that we sell, transfer or otherwise dispose of our business to an affiliate, successor, assign or other third party entity, we may transfer or disclose Personal Information.

Legal Requirement

We may disclose your Personal Information, if required, to:

a) tax authorities, supervisory authorities, police and other regulatory authorities as required by law or in response to a subpoena, court order, or other legally valid inquiry or order;

b) owners of intellectual property rights or such party’s representatives who may be considered, in good faith by such owner, to have had their owner’s rights violated by a user of the Services, provided however, that the owner will be required to enter into an agreement to limit the use of the Personal Information provided only for purposes of the possible violation of an intellectual property right; or

c) either prevent or minimize a criminal offense or to protect a person’s rights and personal and or financial health.

Consent

In addition to permissions already granted under this Privacy Policy by you, we may provide, disclose or transfer your Personal Information with your consent provided either as a part of the services you receive from us or in writing by you otherwise.

For the purposes of administering and tracking your mortgage application, we will share your Personal Information with the appropriate third-party lending institution and/or mortgage professional. Please note that if the lending institution and/or mortgage professional requires additional consents, it is your and the lending institution’s responsibility to ensure consent is given directly to such lending institution and/or mortgage professional.

PROTECTING, RETAINING AND STORING YOUR PERSONAL INFORMATION

Protection: In order to help prevent unauthorized access to, maintain data accuracy and ensure the correct use of your information, we have put in place commercially reasonable physical, electronic and managerial procedures to safeguard and secure the information we collect through our Services. That said, we cannot guarantee that information provided to us through our Services will remain private, or that the information you transmit to us over the Internet will not be intercepted. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Services.

We may process, store, and transfer your personal information in and to a foreign country, with different privacy laws than Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your personal information through the laws of the foreign country. To the extent we enter into arrangements with service providers, we require contractual or other means to provide comparable privacy protection while the Personal Information is processed or handled by them.

Storage: Borrower and Mortgage Professional information is currently stored on AWS. TMM is not held responsible for Borrower data obtained through TMM and moved elsewhere by the Mortgage Professional.

Identification: To help prevent unauthorized access to your Personal Information you are responsible for keeping the username and password (collectively, “ID”) that you receive upon registration with our Services private and confidential. You are solely responsible for preventing the unauthorized use of your ID. If you suspect that your information has been compromised or that your account has been accessed without your consent, please contact us immediately at info@TheMortgageMap.com .

Retention: You may be able to add, update, or delete certain information through TMM. When you update information, however, we may maintain a copy of the unrevised information in our records for legal compliance purposes. Any information that cannot be updated or deleted through TMM will require you to contact the Mortgage Professional for further assistance. We retain the information we process for as long as needed to provide the Services.

We may retain some of the information for reasons including, but not limited to, compliance with applicable provincial, banking and lending regulations, resolving disputes, and enforcing our agreements. We may also continue to use any aggregated or de-identified information but not in a manner that would identify you personally.

ELECTRONIC COMMUNICATIONS

Where applicable, we will seek your express consent to contact you, including by way of commercial electronic messages. You can unsubscribe at any time from receiving commercial electronic messages by following the “unsubscribe” instructions in the messages we send.

Even if you have opted out of receiving marketing communications from us, please be aware that we may still contact you for other purposes. For example, we may contact you to provide communications you have consented to receive, regarding the products or Services we provide to you, or if you contact us with an inquiry. We cannot guarantee that information that we send to or receive from you over the Internet will not be intercepted.

ACCESSING AND MODIFYING YOUR PERSONAL AND ACCOUNT INFORMATION

We want to ensure your Personal Information is accurate, complete and up to date. If you notice any inaccuracies, please let us know.

At any time, you may request access to your Personal Information by contacting info@TheMortgageMap.com . We will respond to your request within a reasonable time period, and process it as appropriate under applicable law. Your request may be subject to a processing fee as allowed under law. Further, we may also require specific information from you such as proof of identity. This is a security measure to ensure that Personal Information is not disclosed to any person who has no right to receive it.

WITHDRAWING YOUR CONSENT

Where you have provided your consent to the collection, use, and disclosure of your Personal Information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, contact us at info@TheMortgageMap.com. Please note that if you withdraw your consent we may not be able to provide you with a particular product or the Services. We will explain the impact to you at the time to help you with your decision.

CHANGES TO THIS PRIVACY POLICY

We reserve the right to change this Privacy Policy, and any other policies and procedures concerning our practices for managing Personal Information, at any time without prior notice to you. If this Privacy Policy is modified, we will post the most current version to our Website. At the top of the modified Privacy Policy, we will include the date upon which it was last updated. Any changes that are made to this Privacy Policy will apply to both Personal Information that we hold prior to the effective date of the amended Privacy Policy and to any Personal Information collected on or after such effective date. Our successors and assigns may collect and use your Personal Information for substantially similar purposes as described in this Privacy Policy.

HOW TO CONTACT US

Any questions, comments or concerns relating to this Privacy Policy, and any requests to correct or access Personal Information collected during your use of the Services, should be directed to the General Manager at:

Attn: The Mortgage Map
701 Coxwell Ave
Toronto, ON M4C 3C1

Email: info@TheMortgageMap.com