Expert Financial Corporation helps customers find the most suitable mortgage, loan or credit facility, and/or other related products and services like mortgage insurance that we may offer.

At Expert Financial Corporation, we know that the protection of your privacy is important to you. For this reason, we have taken steps to ensure that any personal information that you provide to Expert Financial Corporation is protected by a range of robust business procedures and rigorous security safeguards to ensure that your information is kept confidential and used only for the purposes detailed in this Privacy Policy. This Privacy Policy is intended to establish responsible and transparent practices for the management of personal information and to satisfy the requirements of rules established by the Personal Information Protection and Electronic Documents Act (PIPEDA), and similar provincial laws from Quebec, Alberta and B.C.

Application and Scope

This Privacy Policy generally applies to any personal information (as defined below in the section entitled Definition of Personal Information) collected or generated by Expert Financial Corporation, its brokers or anyone acting as an agent on our behalf (“Authorized Agent”), from or about its customers and other individuals which whom it deals, which may include potential customers as well as any other additional person named on an account, in any form. At any time that you do business with Expert Financial Corporation, and/or an entity within the M3 Mortgage Group, participate in a contest or promotion run by Expert Financial Corporation, by Expert Financial Corporation’s broker or with an Authorized Agent, or interact with us in any manner, you are protected by the rights and safeguards contained in this Privacy Policy and you explicitly agree to its terms.

This Privacy Policy also governs personal information collected about by Expert Financial Corporation’s website users and explains how we use and disclose personal information that we collect from users who visit our website and otherwise interact with us trough http://expertfinancialcorp.ca

Definition of Personal information

When used in this Privacy Policy, personal information means “any information about an identifiable individual”. This may include, for example, your name, contact information, email address, information relating to your account with us, including your identity and the mortgage you take out, as well as your credit and banking information, billing records and any complaints documented in a file. It may also include other types of more technical information when you interact with us through our website, when this information can identify you as an individual. Personal information that is aggregated and cannot be associated with an identifiable individual is not considered to be personal information.

Collection and Use of Personal Information

We collect most of our information about you directly from you, with your consent.

We usually collect your name, address, phone number(s), email address, occupation, employer’s name, birth date, annual income, net worth, assets, liabilities, credit history, investment objectives, banking information, as well as other account and payment information, including information pertaining to your use of our products and services when you register to Expert Financial Corporation. We may also collect other information such as your social insurance number, driver’s license or passport number, when required and/or authorized by law, for instance to fulfill regulatory and other governmental obligations and to distinguish you from other clients with similar names.

We may also obtain information about you from third parties, with your consent. For example, for credit evaluation purposes, we may need to determine your creditworthiness through contact with an independent credit reporting agency or another source, which may include account information. Expert Financial Corporation uses this information to help determine the product or service that is suitable to your mortgage needs. We may also collect personal information from other third parties, such as your spouse, if you are applying for certain products and services, and information about beneficial owners, intermediaries and other parties.

Expert Financial Corporation generally collects personal information from or about its customers and other individuals with whom it deals for the following purposes:

  • to confirm and/or authenticate customers’ identity, to determine customers’ eligibility for Expert Financial Corporation’s products and services and as necessary, to establish or verify the credit of customers that use, or intend to use, one or more of the products or services offered by Expert Financial Corporation;
  • to process customers’ applications or requests, to provide the products or services that it offers, or receive the products or services that it requests, and ensure that all related transactions are supported and implemented;
  • to monitor, review and improve customer service, manage its business, establish, develop and preserve its business relationship respectively with its customers and other individuals with whom it deals;
  • to create, establish and administer customers’ mortgage financing or accounts and to respond to customer or supplier inquiries;
  • for internal training and quality assurance purposes, to meet legal and regulatory requirements and to allow Expert Financial Corporation to meet contractual requirements relating to the products and services provided to customers;
  • to understand and assess the interests, wants and changing needs of customers with a view to improving its products and services and developing new ones, and to provide personalized products and services as well as product recommendations to customers; and
  • subject to our customers’ Right to Withdraw Consent, to conduct surveys on the quality of our products, services or customer service or to provide our customers with offers for additional products and services that we feel may be of interest to our customers or that we believe meet our customers’ changing needs.

Your Consent

Expert Financial Corporation obtains consent from the individuals concerned for the collection, use or disclosure of personal information through various means. The most common method we use to obtain a customer’s consent is by way of the customer’s consent as confirmed by consent forms. Where practicable, we may also obtain a customer’s consent through electronic communications or other written documentation.

In general, by requesting Expert Financial Corporation products and services and/or submitting information to us in connection with using Mortgage Alliance products and services, you are providing your consent to the collection, use and disclosure of personal information as set out in this Privacy Policy and in the Expert Financial Corporation contractual documents. Moreover, by visiting, interacting with and/or using our websites, you agree to benefit from, be bound by, the terms and conditions of this Privacy Policy.

In certain circumstances, personal information may be collected, used or disclosed without consent. These exceptional circumstances may include:

  • when information is being collected, used or shared for the detection, prevention of or remediation to, the breach of an agreement, fraud or other illegal activity, and the collection of consent might defeat the purpose of collecting the information;
  • to collect a debt and to comply with a subpoena, warrant or other court order, or as may be otherwise required or authorized by law or by any regulatory bodies having jurisdiction.

Right to Withdraw Consent

Consent may be withdrawn at any time, subject to legal or contractual restrictions and reasonable notice. Depending on the circumstances, however, any withdrawal or amendment to your consent may prevent us from providing you, or continuing to provide you, with Expert Financial Corporation products and services or information that may be of value to you. You may also withdraw your consent as follows:

  • Commercial Electronic Communications. You can always limit the communications that Expert Financial Corporation send to you. To opt-out of commercial emails, simply click the link labeled “unsubscribe” or “opt-out” at the bottom of any commercial electronic communication we send you. Please note that even if you opt-out of promotional communications, we may still need to contact you with information about your account.

For information on how you can limit the type of information that we collect, use or share about you when you visit and/or use our website, please refer to the Website section of this Privacy Policy.

Sharing of Personal Information

Your information may be made available by Expert Financial Corporation to fulfill the purposes for which it has been collected or as set forth in this Privacy Policy. Expert Financial Corporation will not sell, rent or trade your personal information to any third party. However, we may share your personal information when authorized by law or as follows:

  • Financial institutions and Credit. We may share your personal information with financial institutions in connection with the administration and management of the products and services that you have requested, as well as convey your credit file to credit reporting and assessment agencies, insurers or other lenders, as applicable.

  • Service Providers and Authorized Agents. We do not directly provide all our products and services. For example, in some cases we rely on assessment agencies, real estate appraisers, financial institutions, insurance agents or brokers, public registers, employers, credit reporting and collection agencies, professionals, our subsidiaries and affiliated companies, as well as, other third parties to provide you with the products and services. We may therefore disclose information about you to such providers or agents for us to provide you with the requested products and services. We provide them with information which is necessary for them to provide the services required. They are prohibited from using the information for purposes other than to facilitate and carry out the services they have been engaged to provide. These service providers and agents are not permitted to disclose this information to others.

  • As permitted or required by law. Expert Financial Corporation may disclose information when compelled in response to a law, regulation, court order, subpoena, valid demand, search warrant, government investigation or other legally valid request or enquiry. We may also disclose information to our accountants, auditors, agents and lawyers in connection with the enforcement or protection of our legal rights. We also reserve the right to report to law enforcement agencies any activities that we, in good faith, believe to be unlawful or to law enforcement and emergency services providers, in an emergency or where required or permitted by law. We may release certain personal information when we have reasonable grounds to believe that such release is reasonably necessary to protect the rights, property and safety of others and ourselves, in accordance with or as authorized by law.

  • Business transaction. We may disclose personal information to a third party in connection with a sale or transfer of business or assets, an amalgamation, re-organization or financing of parts of our business. However, in the event the transaction is completed, your personal information will remain protected by applicable privacy laws. In the event the transaction is not completed, we will require the other party not to use or disclose your personal information in any manner whatsoever and to completely delete such information.

  • Other types of sharing. We may also disclose our customers’ personal information to an individual who, in the reasonable judgement of Mortgage Alliance, is acting on behalf of the individual in question, such as through a power of attorney.

    For information on how you can limit the type of information that we collect, use or share about you when you visit and/or use our website, please refer to the Website section of this Privacy Policy.

Business Analytics

We may share aggregated customers and/or website users’ information with our partners or entities. This information does not allow identifying individual customers nor users and is only used to provide our partners a better understanding of the general profile of customers of our products and/or services and users of our website, trends in the industry, or similar type of information. We do not link aggregate user data with personal information.

Website Privacy

Expert Financial Corporation generally collects and uses personal information from or about its website visitors and users as follows:

  • Information you provide. In many cases, we collect personal information directly from you when you visit or use our website. For instance, we may collect the following type of information;

  • We may collect your name, contact information, e-mail address and any information you provide us when you make an inquiry or contact us through our website. We will only use this information to provide you with the information requested or to contact you in order to answer your questions and/or requests.

  • Registration. In order to receive electronic communications, you must first complete a registration form and provide your contact information (such as name and email address). If you wish to subscribe to our electronic communications, we will use your name and email address to send communications to you. We will always provide you a way to unsubscribe. For more information on how to unsubscribe, please refer to the section Right to Withdraw Consent of this Privacy Policy.

  • Application Forms. We may collect your name, contact information, e-mail address and any other information provided to us when you complete one of our online requests for mortgage request, request for other product or service or application, online pre-qualification, refinancing and/or renewal application forms available on our website. We will only use this information to process and answer your request or to manage our everyday business needs in connection with such request. If you file an application on our website, we require that you provide certain personal information, including your name, address, phone number, email, and current employment information. This information is necessary to process your application and to contact you. We do not require your social insurance number to accept an online application; however, you may choose to provide that information via the online application to expedite the servicing of your application.

  • Your Choice with Cookies. You can block the use of cookies by activating the settings in your browser, except for some of the cookies used for third-party advertising, as detailed above under the section Third Party Advertising. The “Help” feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. If you choose to withhold consent, or subsequently block cookies, you may not be able to access all or part of the content of our website. Additionally, you can disable or delete similar data used by browser add-ons, by changing the add-on’s settings or visiting the website of its manufacturer.

  • Privacy Policies of Third Parties. This Privacy Policy only addresses the use and disclosure of information by Expert Financial Corporation. Other websites that may be accessible through Expert Financial Corporation websites have their own privacy policies and data collection, use and disclosure practices. We encourage you to familiarize yourself with the privacy statements provided by all third parties prior to providing them with information or taking advantage of an offer or promotion.

Mobile App Data Collection

If you download and/or use any of our applications, we may require and collect, directly from you, information necessary to authenticate you. We may also record your IP geolocation, allowing us to block the access when the user is outside of Canada. When you register on certain apps, you may be required to agree that we may send you notifications regarding your property evaluation, credit score, or general information by electronic messaging on a periodic basis. If you no longer want to receive any notifications, you can unsubscribe at any time.

Quality and Access Rights

Expert Financial Corporation strives to ensure that customers’ personal information is as accurate, complete, and up to date as is necessary for the purposes for which it is used. Expert Financial Corporation provides customer access to their personal information. Customers may correct or amend any inaccuracies in their personal information by contacting us using the contract information detailed in the section How to Contact Us of this Privacy Policy Expert Financial Corporation has the right to refuse a request for access to personal information if the information is protected by legal privilege, granting access would reveal confidential commercial information, the information was collected for purposes related to the detection and prevention of fraud, the information was generated in the course of a formal dispute resolution process, the information would likely reveal personal information about another individual, the request is vexation or frivolous or any other reason, as authorized under applicable laws.

Personal Information Outside of Canada

In some cases, personal information that we manage may be transferred, processed and stored outside Canada, and therefore may be available to government authorities under lawful orders and laws applicable there.

Security of Personal Information

We will use reasonable security measures to protect your personal information against unauthorized access. Expert Financial Corporation has implemented security measures that contain administrative, technical and physical controls that are designed to safeguard your personal information. No method of transmission over the internet, or method of electronic storage, is 100% secure, however.

Retention

Personal information will be retained only if necessary, for the fulfilment of the purposes for which it was collected and for which consent was received or to satisfy legal requirements.

How to Contact Us

If you have questions, concerns or complaints regarding this Privacy Policy or the personal information that Expert Financial Corporation has about you, or to withdraw consent (when applicable) please contact:

Expert Financial Corporation

7171 Torbram Rd Unit 16
Mississauga, ON L4T 3W4

info@expertfinancialcorp.ca
Tel: 416-302-5776

Change of Privacy Policy

Expert Financial Corporation will review and update its policies and procedures as required to keep current with rules and regulations, new technologies, standards and customer concerns. Our Privacy Policy may therefore change from time to time. We will post any privacy policy changes on our website and, if the changes are material, we will provide a more prominent notice.