Privacy Policy

At Courtiers Du Quebec, we are committed to protecting the privacy and confidentiality of our clients (individually, the “Client” and collectively, the “Clients”). As financial service providers, we have a professional obligation to maintain, in confidence, all information we receive within our role as a financial services provider. The purpose of this Privacy Policy is to advise clients as to why we ask for personal information, how we use it, what safeguards we employ, and how to contact us concerning privacy-related matters.

What Is ‘Personal Information’?
In this Privacy Policy, ‘Personal Information’ refers to information that is gathered in connection with an application, pre-approval, request for information for a mortgage, loan or other product through, by and/or for Courtiers Du Quebec.

Why Courtiers Du Quebec collects personal information
Courtiers Du Quebec collects and uses personal information for the following purposes:
– To provide mortgage brokering services to clients
– To offer products and services suited to individual client needs, including arranging and/or renewing loans and/or mortgages
– To inform clients about group creditor insurance and other products offered or approved by Courtiers Du Quebec that may be of interest to clients
– To verify client credit worthiness through credit bureau inquiries and personal information agents
– To advise clients of their financial options, as well as ongoing developments within the mortgage market and industry
– To audit the services provided to our clients
– To comply with all municipal, provincial, federal and other applicable laws
Except when otherwise permitted by law, Courtiers Du Quebec will only use a client’s personal information for the purposes identified to the client. When personal information is to be used for a purpose not identified, we will take all reasonable steps to ensure that new purpose is identified prior to use.

How do we collect personal information?
The client is our main source of information. With the client’s consent, we may also obtain information directly from a third party to help us determine eligibility for various financial products and services. With regards to credit matters, for example, it is essential that we know a client’s financial worth as well as credit record. We will also contact other Lenders, financial institutions, credit bureaus and employers. A client’s consent is therefore important, because without it we will not be able to carry out the appropriate inquiries, which might make it difficult for us to offer our clients the credit product requested. In most cases, consent is given on the forms used for specific products, or from time to time, on a separate form. Clients will notice that the declaration of consent is clear and unambiguous.

Consent
Your provision of personal information to Courtiers Du Quebec means that you agree and consent to our collecting, using and disclosing your personal information in compliance with this Privacy Policy. Courtiers Du Quebec will not collect, use or disclose a client’s personal information without the client’s requisite consent, except in certain extraordinary circumstances. Such extraordinary circumstances might include, without limitation, when legal, medical or security reasons make it impossible or impractical to obtain consent or where it is otherwise in the best interests of the client.

The most common method we use to obtain a client’s consent is by means of the application. Where practical, we may also obtain a client’s consent through oral communications or other written documentation.

Our clients may withdraw their consent by written notice to us at any time, subject to any legal or contractual restrictions and reasonable notice. A client’s refusal to provide, or subsequent withdrawal of, his or her consent may affect our ability to provide the client with loan or mortgage services. A Courtiers Du Quebec Consultant will inform the client of the implications of such withdrawal. To withdraw consent, a client should contact the Chief Privacy Officer in writing at:

1250 René Lévesque Boulevard West
Suite 2200
Montréal, Québec
H3B 4W8

Attn: Chief Privacy Officer

Use and disclosure of personal information
Courtiers Du Quebec will use a client’s personal information to provide financial advice and services to the client, to administer our database, to include clients in direct marketing activities, and for the other uses described above (see “Why Courtiers Du Quebec collects personal information”). Under certain circumstances, Courtiers Du Quebec will disclose a client’s personal information to third parties. Specifically, personal information may be used, shared and disclosed to, from or with members of Courtiers Du Quebec, witnesses in a litigation proceeding, experts retained on a client’s behalf, private investigators, agents retained on behalf of a client, credit reporting agencies, credit bureaus, as well as such other third parties as are necessary to facilitate the matter for which the client has retained our office and provided consent.

Under certain circumstances, Courtiers Du Quebec may disclose personal information where:
– required or authorized by law to do so (i.e. if a court issues a subpoena)
– a client has consented to the disclosure
– mortgage services by Courtiers Du Quebec are provided to a client requiring us to give personal information about said client to a third party (i.e. to a Lender in a real estate mortgage transaction)
– the client’s consent will be implied, unless the client tells us otherwise
– it is necessary to pull a credit bureau report for purposes of processing a mortgage transaction
– Courtiers Du Quebec engages a third party to provide administrative or support services (such as computer back-up services, shredding or archival file storage) and the third party is bound by our Privacy Policy
– the protection of Courtiers du quebec’s best interests, or the protection of public interests, require the denouncement of criminal activity such as fraud or money laundering. In all such cases, authorities will be contacted and personal information may be disclosed
– Courtiers Du Quebec retains a law firm to act on our behalf for any reason
– the information has already become public knowledge

Limiting collection and retention of personal Information
Courtiers Du Quebec limits the collection of a client’s personal information to that which is necessary for the purposes identified in this Privacy Policy, as same may be amended from time to time, or for any additional purpose identified to the client before the collection of the personal information. In addition, personal information is not used or disclosed for purposes other than those for which it was originally collected, except with the consent of the client or as otherwise permitted by law.

Courtiers Du Quebec will retain personal information for only so long as it is needed to fulfill the purposes for which it was obtained, and to meet our professional requirements as set out by our governing regulatory bodies and/or any other legal requirement.

Accuracy
Courtiers Du Quebec strives to ensure that a client’s personal information is as accurate, complete, and up-to-date as is necessary for the purposes for which it is used.

Safeguards
Courtiers Du Quebec endeavors to maintain adequate safeguards to protect against loss, theft, unauthorized access, disclosure, copying, use or modification of clients’ personal information. We apply various methods to safeguard personal information, including physical security, computer and electronic security, destruction of information no longer needed, and contractual protections with third party data processors.

Protection
Client lists are never passed on to third parties, other than affiliated members of Courtiers Du Quebec. When hired, our employees and agents must strictly undertake to respect the confidential nature of client information. Only employees who need to view a client’s file as part of their work have access to this information.

Accountability and openness
Courtiers Du Quebec is responsible for the personal information under its control, and has appointed a Chief Privacy Officer to oversee our efforts to comply in all material respects with applicable privacy legislation and the terms of this Privacy Policy. The Chief Privacy Officer and those designated by the Chief Privacy Officer address and investigate questions or concerns regarding a client’s personal information.

Courtiers Du Quebec will, from time to time, review and revisit privacy practices and this Privacy Policy. In the event of any material amendment, an appropriate notice will be posted on our website. All updates and amendments to this Privacy Policy can be found at www.courtiersduquebec.com

Courtiers Du Quebec website
Courtiers Du Quebec website may contain links to other sites, which are not governed by this Privacy Policy. On this website, as with most commercial websites, the monitoring of traffic patterns, site usage, and related site information may be implemented in order to optimize our web-based services. We may provide aggregated information to third parties, but these statistics do not include any identifiable personal information.

Communicating with Courtiers Du Quebec
We recognize that convenience and quick access to advice must be balanced with security needs. We use many different means to communicate with clients, some of which are more convenient, such as email. Our emails are sent with industry standard 128 bit encryption. Such encryption, however, does not guarantee privacy and security as encrypted messages can nonetheless be subject to interception and translation. If you do not wish us to communicate with you by email, please speak with a Consultant about alternative arrangements.

Questions
If you have questions or comments regarding the management of your personal information, please contact our Chief Privacy Officer at:

1250 René Lévesque Boulevard West
Suite 2200
Montréal, Québec
H3B 4W8
(844) 822-7747