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Canada Mortgage Source's commitment to privacy

Effective: October 30, 2015

Protecting your privacy and the confidentiality of your personal information is the foundation to our owned and controlled by Alberta Mortgage Source. We endeavor to provide you with the highest level of customer service, conduct all our business honestly, intelligently and with the utmost respect for you, our client. The Alberta Mortgage Source Privacy Code details to you our policy on privacy, and informs you about the ways we help ensure that your privacy and the confidentiality of your information are safeguarded. This privacy policy covers the site www.albertamortgagesource.ca.

Alberta Mortgage Source has received TRUSTe's Privacy Seal signifying that this privacy statement and our practices have been reviewed for compliance with the TRUSTe program viewable on the validation page available by clicking the TRUSTe seal. The TRUSTe certification only covers information collected on our site www.albertamortgagesource.ca.

If you have questions or concerns about our privacy policy or practices, please contact us at [email protected]. If you have an unresolved privacy or data use concern that we have not addressed satisfactorily, please contact TRUSTe at https://feedback-form.truste.com/watchdog/request.

Our Privacy Policy

Our Privacy Policy informs you of the policies and practices we have in place relating to the management of personal information at Alberta Mortgage Source. The word "information" means personal, financial and other details about you that you provide to us and that we obtain from others outside of Alberta Mortgage Source. This policy applies to personal customers, including individuals carrying on business alone or in partnership with other individuals and signing officers of our business customers. It consists of five key principles:

  1. Collecting and using information

    Either before or when we collect information about you, we will explain how we intend to use it. We will limit the information we collect to what we need for those purposes, and we will use it only for those purposes. We will obtain your consent if we wish to use your information for any other purpose and before collecting information from third parties such as credit bureaus.  Your personal financial information is used to help us manage operations and risk within Alberta Mortgage Source.

    The information we collect is name, email address, phone number and co-applicant information (such as name and email address). Please see - Why we ask for your information - section below to see how we use your information.

  2. Releasing information

    We may provide your information to other persons in situations where:
    • - we have your consent
    • - we are required or permitted to do so by law or applicable regulators and self-regulatory organizations
    • - transfers of a business are involved

  3. Protecting information

    We will protect your information with appropriate safeguards and security measures. We will retain your information only for the time it is required for the purposes we explain.

  4. Providing information access and accuracy

    We will give you access to the information we retain about you. We will make every reasonable effort to keep your information accurate and up-to-date.

  5. Respecting and responding to your privacy concerns

    In the Alberta Mortgage Source Privacy Code, we will explain your options for refusing or withdrawing consent to the collection, use and release of your information, and we will record and respect your choices. We will investigate and respond to your concerns about any aspect of our handling of your information.
In the Alberta Mortgage Source Privacy Code, we will explain how we fulfill each of these important principles.

  • Why we ask for your information

    We ask you for information to establish and serve you as our client.
    At the time you begin a relationship with us and during the course of our relationship, we may collect information about you. We obtain most of our information directly from you.  For our service, we need your name, address, birthdate, occupation and some identification. Here is why we need some of the other information we ask you to provide.

  • Financial information

    This is used to assess your eligibility for service. We may collect information from you and service providers with whom you make arrangements to provide those services. We will use your financial information, to also adjudicate your application for service with Alberta Mortgage Source. We only collect the information we need and only use it for the purposes explained to you.

    When you apply for our servcie, we will indicate in the application or agreement how we intend to use your information. We will only ask for the information we need for that particular product or service. We will indicate clearly which information would help us to serve you but is optional for you to provide.

  • How your consent is obtained

    It is important to understand the different ways that we may obtain your consent to collect, use, disclose and share your personal information. Depending on the situation and the sensitivity of the information, we may obtain your consent in different ways. Express consent may be obtained verbally, online or in writing. Implied consent may be obtained through your use of our service, or when you approach us to obtain services from us.

    We will not make your consent a condition of obtaining our service, unless it is reasonably or legally required, and we will clearly indicate when this is the case.

  • Why your information is shared

    We share information within Alberta Mortgage Source to manage our business risks and operations, and to comply with legal or regulatory requirements. We do not sell your personal information to third parties. With your consent, we may share your information within Alberta Mortgage Source.

    We may provide your personal information to companies that provide services to help us with our business activities such as processing applications or offering customer service. 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.

    We want to serve you better and meet your customer service expectations. Agreeing to let us share your information within AMS helps us to meet this goal.

  • Why we ask others for information about you

    With your consent, we may obtain information about you from third parties, including credit reporting agencies.
    Obtaining additional information about you from parties outside Alberta Mortgage Source helps us assess your eligibility for our service.

    For our service we need to know your creditworthiness and for this reason, we may contact other lenders or credit reporting agencies to get information about you and your credit history. We may also contact employers or other personal references to verify information that you have given us. We will not do this without your consent, but please remember that if you do not give your consent we may not be able to extend our service to you.

  • When we release your information

    We do not sell or rent customer lists or personal information to others. However, we may release your information to parties outside AMS in certain circumstances, which include:

    • For servicing purposes

      We give a limited amount of information, only as necessary, without your consent, to our suppliers and agents; for example, web hosting services who provide services to you through us. These suppliers and agents may be located in the United States, Canada or other jurisdictions or countries, and may disclose information in response to valid demands or requests from governments, regulators, courts and law enforcement authorities in those jurisdictions or countries.

    • When required or permitted to do so by law or applicable regulators and self-regulatory organizations

      We may release information in response to a search warrant, court order, or other demand or enquiry which we believe to be valid.  We may also disclose information to an investigative body in the case of a breach of agreement or contravention of law - this helps prevent fraud, money laundering or other criminal activity.

    • Transfers of a business

      As Alberta Mortgage Source continues to develop and grow, we may buy or sell parts of our businesses. As our businesses consist primarily of our customer relationships, personal customer information and information regarding the particular account or service being purchased or sold would generally be one of the transferred business assets.

  • How we protect your information

    We will protect your information with appropriate safeguards and security measures. We have thorough security standards to protect our systems and your information against unauthorized access and use. For example, our systems have been designed to ensure that your password to our client portal is kept private and confidential. All our suppliers and agents, as part of their contracts with Alberta Mortgage Source, are bound to maintain your confidentiality and may not use the information for any unauthorized purpose. When we provide information in response to a legal inquiry or order, we ensure that the order is valid and we disclose only the information that is legally required. All employees of Alberta Mortgage Source are familiar with the procedures that must be taken to safeguard customer information. And to us, protecting the confidentiality of your information is more than a procedure - it's part of our job. It is specified in our employment agreements and regularly confirmed in writing.

    The security of your personal information is important to us. 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

  • Your right to access your information

    If your personally information changes, or if you no longer desire our service, you may [correct, update, amend, delete/remove, ask to have it removed from a public forum, directory or testimonial on our site or deactivate it] by making the change on our member information page or by emailing our Customer Support at [email protected]. or by contacting us by telephone or postal mail at the contact information listed below. We will respond to your request to access within 30 days.
    We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements

  • Respecting your preference

    We will explain your options of refusing or withdrawing consent to the collection, use or release of your information, and, given reasonable notice, we will record and respect your choices.

    In most cases you are free to refuse or withdraw your consent at any time. You may do so by contacting our office by calling us at 1.866.690.7704. Our staff will be pleased to explain your options and any consequences of refusing or withdrawing your consent, and record your choices.

    There are several privacy preferences available to you, subject to legal, business or contractual requirements. If you prefer, you may choose not to have us -
    • Use your Social Insurance Number with credit reporting agencies as an aid to identify you
    • Conduct a credit check in order to assess an application for our service. In doing so, however, we may not be able to extend credit services to you.
    • Contact you occasionally either by mail, telephone, or email, or all of these methods, with direct marketing offers that may be of benefit to you
    • Share your financial and account information within Alberta Mortgage Source
    • Contact you to participate in customer research and surveys

  • Addressing your concerns

    If you have any questions, concerns or problems about privacy, confidentiality or how a request for information was handled, we encourage you to let us know, and you can take the following actions. If you choose to mail, fax or email us, please include your full name, address and telephone number.

    Contact us in one of the following ways:


    • Telephone: 1.866.690.7704 (Call at any time)
    • Fax: 1.866.695.5736
    • Email: [email protected]
    • Mailing Address:
      1289 91 Street SW
      Edmonton, AB T6W 1T8
      Canada

    We'll work hard to provide an acceptable solution but if you are not satisfied, the Manager will become involved in the resolution of your problem or concern.

  • Our online Privacy Policy

    Protecting your privacy and the confidentiality of your personal information has always been fundamental to the way we do business with you within Alberta Mortgage Source, whether over the Internet, on the telephone or at our offices.

    We developed the Alberta Mortgage Source Privacy Code to inform you of our policy on privacy and tell you about the ways we ensure that your privacy and the confidentiality of your information are protected.

    Many of you have questions about how we are handling the information we obtain from you when you visit our websites. This online Privacy Policy will answer your questions about the information we collect when you visit the Alberta Mortgage Source website, and how we use it.

  • Visiting our information sites

    When you go directly to the information portion of our websites and move from page to page, read pages or download content onto your computer, we learn which pages are visited, what content is downloaded, and the address of websites that you visited immediately before coming to our websites. However, none of this is associated with you as an individual. It is measured only in aggregate.

    We use this information to find out how many people visit our websites and which sections of the sites are visited most frequently. This helps us to know what type of information is most useful to our website visitors so that we can improve our websites and make it easier for our website visitors to access information. We record the statistical information on the numbers of visitors to our websites, but no information about you in particular will be kept or used.

  • Social Media Features and Widgets

    Our Web site includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

  • Tracking Technologies

    Technologies such as: cookies, beacons, tags and scripts are used by Alberta Mortgage Source and our analytics providers Google Analytics. These technologies are used in analyzing trends, administering the site, tracking users� movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.
    We use cookies for authentication. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

    • Links to 3rd Party Sites

      Our Site includes links to other Websites whose privacy practices may differ from those of Alberta Mortgage Source. If you submit personal information to any of thise sites, your information is governed by their privacy policies. We encourage you to carefully read the privacy policy of any Website you visit.

    • Log Files

      As is true of most web sites, we gather certain information automatically and stored it n log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We do not link this automatically collected data to other information we collect about you.

    • Behavioral Targeting / Re-Targeting

      We partner with a third party to either display advertising on our Web site or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this site and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here. Please note this does not opt you out of being served ads. You will continue to receive generic ads.

    • Email comments, questions or responses

      When you send us an email or when you ask us to respond to you by email, we learn your exact email address and any information you have included in the email. We use your email address to acknowledge your comments and/or reply to your questions, and we will store your communication and our reply in case we correspond further. We will not sell your email address to anyone outside Alberta Mortgage Source. We may use your email address to send you information about offers on products and services that we believe may be of interest to you. If you don't want us to contact you by email with offers on products and services, you may tell us so at any time.

      If you have asked us to put you on an email mailing list to provide you with certain information on a regular basis, or if we send you information about our offers on products and services by email, you may ask us to remove you from the list at any time (using the unsubscribe instructions provided with each email and on the site where you signed up).

    • Remember

      that email sent over the Internet is generally unencrypted. If Alberta Mortgage Source requests that you transmit confidential information to us over the Internet when filling out an application online, we ensure that such transmission is encrypted. We recommend that you use caution when forwarding free-format email messages to us and that you do not include confidential information (such as account numbers, income, dates of birth) in those messages, as they are not encrypted.

    Important Information About Preventing Email Fraud:

    We will never send email messages to customers requesting confidential information such as passwords, income, dates of birth, etc. Please do not act on any such emails as you may compromise your personal information by following links to a counterfeit Internet site(s).

    Changes in this Privacy Policy

    We may update this privacy policy 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.


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