Swivel Mortgage Privacy Policy

Last Update: May 15, 2023

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At Swivel Mortgage Group ("Swivel," "we," or "us"), we are committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect the information you provide when using our website as a mortgage brokerage service operating in Ontario, Canada.

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Please read this Privacy Policy carefully to understand our practices regarding your personal information. By accessing or using our website, you consent to the collection, use, and disclosure of your information as described in this Privacy Policy.

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1. Collection of Personal Information

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1.1 Information You Provide: We may collect personal information directly from you when you visit our website, fill out online forms, subscribe to our newsletter, or interact with our online chat. The types of personal information we may collect include, but are not limited to, your name, address, email address, phone number, employment details, financial information, credit history, and any other information you voluntarily provide.

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1.2 Cookies and Similar Technologies: We may also collect information using cookies and similar technologies when you visit our website. Cookies are small text files that are stored on your device to enhance your browsing experience. The information collected may include your IP address, browser type, device information, and browsing behavior. You can adjust your browser settings to reject cookies or notify you when a cookie is being sent.

 

2. Use of Personal Information

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2.1 We use your personal information to provide you with mortgage brokerage services and related information. The purposes for which we may use your personal information include, but are not limited to:

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• Verifying your identity and determining your eligibility for our mortgage services.

• Assessing and processing mortgage applications, including pre-qualification and approval processes.

• Communicating with you regarding your inquiries, applications, or requested services.

• Providing personalized recommendations and mortgage solutions based on your needs.

• Facilitating communication between you, lenders, and other parties involved in the mortgage application process.

• Conducting market research, analyzing trends, and improving our website and services.

• Complying with legal obligations and regulatory requirements, including anti-money laundering and fraud prevention.

 

2.2 We may combine your personal information with information obtained from other sources for the purposes stated above.

 

3. Disclosure of Personal Information

 

3.1 We may share your personal information with third parties in the following circumstances:

• With lenders, financial institutions, and mortgage insurers to facilitate the mortgage application and approval process.

• With our affiliated companies, partners, and service providers who assist us in operating our website and delivering our services, including technology providers, credit bureaus, and mortgage professionals.

• With government authorities, regulators, or law enforcement agencies as required by law or to respond to legal requests.

• In connection with a merger, acquisition, or sale of all or a portion of our assets, where personal information may be transferred to the acquiring entity.

 

3.2 We do not sell or rent your personal information to third parties for marketing purposes without your explicit consent.

 

4. Security

 

4.1 We implement reasonable security measures to protect your personal information from unauthorized access, loss, misuse, or alteration. These measures include, but are not limited to, encryption, access controls, firewalls, and secure data storage. However, please note that no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.

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5. Your Choices and Rights

 

5.1 You have the right to access, update, and correct your personal information held by us. You may also request the deletion of your personal information, subject to our legal obligations and legitimate business purposes.

 

5.2 You can opt out of receiving marketing communications from us by following the unsubscribe instructions provided in our email communications or by contacting us

 

6. Retention of Personal Information

 

 

6.1 We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. When determining the appropriate retention period, we consider factors such as the nature and sensitivity of the information, the purposes for which we process it, and any legal obligations we have.

 

7. Links to Third-Party Websites

 

7.1 Our website may contain links to third-party websites or resources that are not operated or controlled by Swivel Mortgage Group. This Privacy Policy applies only to our website, and we are not responsible for the privacy practices or content of third-party websites. We encourage you to review the privacy policies of any third-party websites you visit.

 

8. Children's Privacy

 

8.1 Our website and services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe that we may have inadvertently collected personal information from a child without parental consent, please contact us immediately, and we will take appropriate steps to delete the information from our records.

 

9. International Data Transfers

 

9.1 Swivel Mortgage Group is based in Ontario, Canada. If you are accessing our website from outside Canada, please be aware that your information may be transferred to, stored, and processed in Canada or other countries where our service providers are located. These countries may have data protection laws that are different from your country of residence. By using our website and providing your information, you consent to the transfer, storage, and processing of your information in Canada and other countries as necessary for the purposes described in this Privacy Policy.

 

10. Changes to this Privacy Policy

 

10.1 We may update this Privacy Policy from time to time to reflect changes in our practices or legal obligations. We will post the revised Privacy Policy on our website with the updated effective date. We encourage you to review this Privacy Policy periodically for any changes.

 

11. Contact Us

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11.1 If you have any questions, concerns, or requests regarding this Privacy Policy or the handling of your personal information, please contact us using the following information:

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Attn: Privacy Officer

Swivel Mortgage Group

Address: 55 Doncaster Ave. Markham ON L3T 1L7

Email: nigel.singh@swivelmortgage.ca

Phone: 647-794-7676

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We will make reasonable efforts to address your inquiries and resolve any concerns in a timely and appropriate manner.

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By using our website, you acknowledge that you have read, understood, and agree to the terms and conditions of this Privacy Policy. If you do not agree to this Privacy Policy, please refrain from using our website or providing any personal information through it.