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— PRIVACY —

Privacy Policy

Mortgage Architects privacy notice regarding collection, use, retention, and disclosure of personal information.

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Privacy Policy
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How personal information may be collected, used, retained, and disclosed in accordance with policy and legal obligations.

Privacy Policy

Mortgage Architects Inc. (“MA”, “we”, “us” and “our”), in accordance with our privacy policy and our obligations at law, may collect, receive, retain, use and disclose personal information about you, our client, for the purposes of: verification, assessing credit-worthiness, establishing credit limits, maintaining client relationships, presenting your mortgage application to various lenders and insurers and providing information to you about other products and services that may be of interest to you.

We will rely on the personal information provided to us as being current and accurate, whether provided by you or from third parties. We may also disclose your personal information to (i) any potential purchaser of our business and their advisors, (ii) any third-party service providers to whom we may outsource our business functions and (iii) any parties involved in the securitization, assignment or pledge of a loan or mortgage that are obtained through us.

You are aware of, we will:

  1. Collect, use, retain and disclose your personal information for the purposes outlined above, and MA and our mortgage broker or agent will not use or disclose the information for any other purpose other than listed herein without first obtaining your consent. MA and our mortgage broker or agent must retain the details of the collection, use, disclosure and storage of your personal information for seven (7) years following the later of (a) the date of your latest application with us, or (b) the date on which your loans or mortgages we have arranged for you have expired or been terminated.
  2. Inquire about and receive your personal information from consumer reporting agencies, credit bureaus, real estate appraisers, your bank(s) or other financial institutions with whom you deal, your past mortgage brokers, your present and past employers and other third parties who may have information about your financial status.
  3. Acknowledge that the approval or granting of any mortgage by a lender to you, as arranged by MA, is not to be construed or relied on by you as representing the value or condition of any underlying security or representing that you have the ability to repay the arranged mortgage debt.
  4. Receive commercial electronic messages and other forms of business information, communications and marketing regarding products and services that may be of interest to you.
  5. Acknowledge that MA and our mortgage broker or agent may receive fees or incentives from a lender for arranging a mortgage or loan for you. Fees and incentives include but are not limited to money, points or goods and services. Fees and incentives may vary between lenders for similar products and may also be dependent on the amounts and types of mortgage products originated.
  6. Acknowledge that MA and our agent have not provided you with any investment advice or services and has advised you of the need for independent financial and tax planning advice from a qualified professional.

A copy of our privacy policy and procedures is available on our website: www.mtgarc.ca. You may also contact our privacy compliance officer at 1-877-802-9100.