Effective Date: December 23, 2024
Welcome to The Local Broker. Your privacy is important to us. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA).
1. Information We Collect
We collect personal information to provide you with mortgage and insurance services. The types of information we may collect include:
- Contact Information: Name, email address, phone number, and mailing address.
- Financial Information: Income details, employment status, credit score, and debt obligations.
- Property Details: Information about the property you own or plan to purchase.
- Other Relevant Details: Any additional information required to provide our services.
We only collect information directly from you, with your consent, or as otherwise permitted by law.
2. How We Use Your Information
We use your personal information to:
- Provide tailored mortgage and insurance services.
- Respond to your inquiries and requests.
- Process applications and assess your eligibility for products and services.
- Communicate important updates and promotional offers (with your consent).
- Comply with legal and regulatory obligations.
3. Sharing Your Information
We do not sell or rent your personal information to third parties. We may share your information with:
- Service Providers: Third-party companies that assist us in delivering our services (e.g., lenders, insurers, or credit bureaus).
- Legal or Regulatory Authorities: As required to comply with applicable laws, regulations, or legal processes.
All third parties are obligated to protect your information and use it only for the purposes for which it was disclosed.
4. Your Consent
By using The Local Broker’s services, you consent to the collection, use, and disclosure of your personal information as described in this Privacy Policy. You can withdraw your consent at any time by contacting us at the information provided below. However, withdrawing consent may impact our ability to provide certain services.
5. Protecting Your Information
We take appropriate security measures to protect your personal information against unauthorized access, loss, misuse, or alteration. These measures include:
- Encryption of sensitive data.
- Secure storage systems.
- Access controls to restrict information to authorized personnel only.
6. Accessing and Updating Your Information
You have the right to:
- Access the personal information we hold about you.
- Request corrections to your information if it is inaccurate or incomplete.
To exercise these rights, contact us at the information below. We will respond within a reasonable timeframe.
7. Retention of Information
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law. When no longer needed, we securely dispose of your information.
8. Cookies and Website Analytics
Our website may use cookies to enhance user experience and analyze website performance. Cookies are small text files stored on your device. You can control cookie settings through your browser preferences.
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before sharing your information.
10. Children’s Privacy
Our services are not directed at children under the age of 18. We do not knowingly collect personal information from minors without parental consent.
11. Updates to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We encourage you to review this page periodically for the latest information.
12. Contact Us
If you have any questions, concerns, or complaints about this Privacy Policy or our handling of your personal information, please contact us:
The Local Broker
Email: [email protected]
Thank you for trusting The Local Broker. We are committed to safeguarding your privacy and ensuring your personal information is handled with the utmost care.