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Privacy Policy

InvestWise Mortgage Co.

InvestWise was founded on principles of trust, integrity and the delivery of outstanding service. Therefore, we are very concerned with the privacy rights of our online visitors and customers and are committed to protecting the information collected about you.

InvestWise Mortgage Co., has taken extensive measures to protect the confidentiality of your personal information and to protect your data from misuse and unauthorized access or disclosure. When you enter sensitive information (such as a social insurance number) on our forms, we encrypt the transmission of that information using secure socket layer technology (SSL). We follow generally accepted standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, we cannot guarantee its absolute security. If you have any questions about security on our Web site, you can contact us.

We also restrict internal access of stored data to select employees that have been informed of our privacy policies. If you have concerns involving the security or privacy of your information, you can arrange to talk to one of our representatives.

Information Collected at our Website

Personal Information

If you submit a mortgage application to InvestWiseMortgage.ca you are required to provide certain information necessary to deliver the selected services. In some instances you will only provide personal information such as name, address, e-mail address, phone number and other contact information. In other cases you will be asked to provide the preceding contact information as well as personal financial information including details of current mortgage and property, liabilities, assets, and social insurance number (S.I.N) in order for InvestWise to perform the services requested. The more information you share with InvestWise the more accurately InvestWise will be able to provide you with information and services you have indicated are of interest.

Statistical Information

We automatically collect anonymous statistical information regarding usage of our website. This helps us understand our Customers’ needs better and improve areas of our services that our Customers find valuable. For instance, when you visit www.InvestWiseMortgage.com, our website recognizes the type of browser you are using (Mozilla Firefox, Safari, Microsoft Internet Explorer, etc), the site that linked you to our site, the pages you visit at our site, and similar information. None of this information identifies you personally.

InvestWise Mortgage uses information collected from our mortgage inquiries and applications to generate city and province specific statistics. The information used is an average of all information collected, and never identifies you personally. If you do not wish to have your information included in our averages, please make a note of it on the application, or contact us.

Use and Disclosure of Information

We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell your personal information to third parties. Upon receiving your application or inquiry, we may disclose any information we collect, as described above, to InvestWise affiliates or service providers to perform a service for us or perform a function on our behalf. In cases where we use service providers, we restrict such service providers from using your non-public personal information except to act on our behalf or as required or permitted by law. Disclosure to InvestWise affiliates or service providers will be necessary so that you can receive the best possible RATES, SERVICE and MORTGAGE OPTIONS from the financial services offered by InvestWise affiliates or service providers. These companies are authorized to use your personal information only as necessary to provide these services to us.

We may also disclose your personal information

  • as required by law, such as to comply with a subpoena, or similar legal process
  • when we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request,
  • if InvestWise or one of their divisions (e.g., InvestWise Mortgage or InvestWise Insurance) is involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Web site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information,
  • to any other third party with your prior consent to do so.

Cookies and Other Tracking Technologies

Cookies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do link the information we store in cookies to any personally identifiable information you submit when logged into our website.

We use session ID cookies and persistent cookies. A session ID cookie expires when you close your browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser’s “help” file. Cookies help us to identify you when you return to our site. We set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site. If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

Tracking Technologies & Third Party Cookies

The use of cookies by our partners, affiliates, tracking utility company, service providers is not covered by our privacy statement. We do not have access or control over these cookies. Our partners, affiliates, tracking utility company, service providers use session ID cookies to make it easier for you to navigate our site, in order for you to use the shopping cart, etc.

We use Google Analytics, a third-party tracking service, which uses cookies to track non-personally identifiable information about our visitors to our site in the aggregate to capture usage and volume statistics. Some of our business partners (e.g., Google Analytics) use cookies on our site. We have no access to or control over these cookies. This privacy statement covers the use of cookies by InvestWise only and does not cover the use of cookies by any third-party.

Tell a Friend

If you choose to use our referral service to tell a friend about our site, we will ask you for your friend’s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. InvestWise stores this information for the sole purpose of sending this one-time email and tracking the success of our referral program. Your friend may contact us to request that we remove this information.

Widgets

Our Web site includes Widgets, which are interactive mini-programs that run on our site to provide specific services from another company (e.g. displaying the news, opinions, music, etc). Personal information, such as your email address, may be collected through the Widget. Cookies may also be set by the Widget to enable it to function properly. Information collected by this Widget is governed by the privacy policy of the company that created it.

Facebook Connect or other OpenID provider

You can log in to our site using sign-in services such as Facebook Connect or your with your email account. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our login/sign up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.

Links to Other Web Sites

Our Site includes links to other Web sites whose privacy practices may differ from those of InvestWise. If you submit personal information to any of those sites, your information is governed by their privacy statements. We encourage you to carefully read the privacy statement of any Web site you visit.

Member Directory

As part of our service, you have the option to create a listing in our Appraisers & Inspector directories. We will list you in our publicly accessible member directory. If you do not want to be listed in our directory, contact us.

Blog

Our Web site offers publicly accessible blogs or community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them.

Removal of Personal Information

You can request that we purge the entirety of the personal information submitted by you through InvestWiseMortgage.com from our database by providing detailed instructions to InvestWise’s Privacy Officer (see below). In such cases InvestWise will delete all digitally warehoused information you have submitted. Please note that InvestWise cannot purge information from the systems or files of our InvestWise Affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services.

Notification of Privacy Statement Changes

We may update this privacy statement to reflect changes to our information practices. If we make any material changes we will notify you by email (sent to the e-mail address specified in your account) or by means of a notice on this Site prior to the change becoming effective. We encourage you to periodically review this page for the latest information on our privacy practices.

Terms Of Use

InvestWise provides the InvestWiseMortgage.ca Internet site “as is” to the user without any warranty or condition, express, implied or statutory. InvestWise disclaims any implied warranties of title, merchantability, non-infringement of intellectual property or fitness for any particular purpose.

Except as may be otherwise expressly provided by written agreement between InvestWise and the user, InvestWise will have no tort, contract or any other liability to the user and/or any third party arising in connection with the use of this Internet site, or reliance on any information or services provided at this Internet site.

InvestWise does not endorse the services or products of advertisers, sponsors, or affinity partners. Product or service information is believed to be correct, but should not be relied on without prior verification. InvestWiseMortgage.ca contains links to outside sites, through banners, email and other portals, to third party sites that send their own cookies, collect data and solicit information. InvestWise does not control these sites and as such we do not endorse their products, services or information and are not associated with the operators.

In the event of errors or omissions in any information InvestWise’s sole responsibility shall be to use its best efforts to correct, by the issue of a corrected release, any errors or omissions which it or any of its employees, servants or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. Without limiting the generality of the foregoing, in no event shall InvestWise or any of its servants, employees or agents be liable in contract, tort or otherwise to any person (including, without limitation, the subscriber) for any loss, damage, injury, liability, cost or expense of any nature (including, without limitation, direct, indirect, consequential, incidental, special and punitive damages) which such person may suffer or incur as a result of any such errors or omissions or any delays in transmission or non-transmission.

Your Acceptance Of These Terms

By using this site, or by submitting personal information to us, you signify your agreement to InvestWise ‘s Privacy Policy and Terms Of Use. From time to time we may change or update our privacy policies. It is your responsibility to check back regularly to inform yourself of such changes. Your continued use of the InvestWiseMortgage.ca site following the posting of changes to these terms will be deemed as your acceptance of those changes.

The foregoing policies are in effect as of June 1, 2011. InvestWise reserves the right to change this policy statement at any time by posting the revised policy on this website. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

If you have any further questions or concerns, please contact us.