Privacy Policy

This Privacy Policy sets out the manner in which information about you is collected, used, disclosed and otherwise managed in connection with the oneclose.ca website, your mortgage loan application, the administration of your loan and our interactions with you. This Privacy Policy governs our practices with respect to personal information we collect through our website and online application and from third parties.

In this Privacy Policy, the terms “we”, “our” and “us” mean OneClose Inc.

Collection of Personal Information

Personal information is information that identifies you or could be combined by us or our service providers with other information to identify you. This information includes, but is not limited to, your personal email address, your home address, your home telephone number, your personal mobile number, your image, and may include your age, your income and other similar information when associated with you.

We collect personal information from you when you create an account, apply for a mortgage loan, communicate with us using our web forms to make a request or ask a question or otherwise submit personal information to us with your communication.

We receive personal information about you from other sources. For example, we will receive information about you from a credit reporting agency and will also acquire information about you from other third parties, such as real estate developers, with whom you shared your information and whom you have allowed to provide information to us.

Use of Personal Information

We use your information to provide our services to you and to manage our business operations. Some examples include:

(a) to create and administer your account;
(b) to authenticate you when you log in to your account;
(c) to assess your application and determine your eligibility for a mortgage loan;
(d) to approve, administer, service and enforce your mortgage loan;
(e) to detect and prevent fraud and other unauthorized or illegal activities;
(f) to communicate with you about your requests;
(g) to communicate with you regarding customer service issues;
(h) to communicate with our business partners and service providers, including real estate developers, credit reporting agencies and lenders;
(i) to protect the security or integrity of our websites and our business; and
(j) as otherwise permitted or required by applicable law.

At the time you apply for a mortgage loan, we will obtain your consent to collect credit-related information from credit reporting agencies in order to help us determine your eligibility for a loan.

We may obtain your consent to use your contact information to send you marketing or promotional communications by mail, email or telephone. You can opt-out of receiving marketing communications at any time by clicking on the unsubscribe link included in our marketing email communications or by contacting us as set out under Questions or Complaints below. Please note that you may continue to receive certain transactional or informational communications from us.

We retain your information for as long as necessary to fulfill the purposes for which we collected the information or as required by law. We maintain a records retention and destruction program to destroy information when it is no longer needed or required.

Disclosure of Personal Information

We may share your personal information with our business partners and service providers that help us with our business operations. For example, we will share information with credit reporting agencies, lenders and any other party as needed to deliver our service offering to you. We require our business partners and service providers to keep your personal information secure. In addition, our business partners and service providers may not use or disclose personal information for any purpose other than to perform their designated functions.

We may transfer any information we have about you in connection with a merger or sale involving all or part of our business or as part of a corporate reorganization or stock sale or other change in corporate control.

We may also disclose your personal information where we have reason to believe that it is relevant to the investigation or decision to investigate a breach of the laws of Canada, a province or territory of Canada, or a foreign jurisdiction and where we are legally permitted to do so.

Law Enforcement Requests

We will disclose personal information without your knowledge or consent if we receive an order, subpoena, warrant or other legal requirement issued by a court, tribunal, regulator or other person with jurisdiction to compel disclosure of your personal information.

Storage Outside of Canada

Your personal information may be used or stored by us or our service providers outside of Canada. We require that our service providers safeguard your personal information. However, if your personal information is used or stored outside of Canada, it will also be subject to the laws of the country in which it is used or stored.

Protection of Personal Information

We take administrative, technical and physical measures to safeguard your personal information against unauthorized access, unauthorized disclosure, theft and misuse. This includes limiting access of employees to, and the use of, your personal information through the use of passwords and graduated levels of clearance. We do not publish all of our security measures online because this may reduce their effectiveness.

We take physical precautions to ensure that the computer servers on which your personal information is stored and archived are secure and that access to such servers is protected. We educate our employees with respect to their obligations to protect your personal information.

Although we take precautions against possible breaches of our security systems, no company can fully eliminate the risks of unauthorized access to your personal information and no website is completely secure. We cannot guarantee that unauthorized access, hacking, data loss or breaches of our security systems will never occur.

Web Anaslytics

We automatically collect information when you visit our website through information provided by Google Analytics. For example, we collect information about page requests, browser type, operating system, language and your Internet Protocol (IP) address.

Cookies

Our website uses cookies to keep track of your browser A cookie is a tiny element of data that our website can send to your browser, which may then be stored on your hard drive so that we can recognize you when you return. We use cookies on the pages on our website where you are prompted to log in or that are customizable. If you have registered an account with us, these cookies (1) may let us know who you are, (2) may be necessary to access your account information stored on our computers and (3) will provide us and our service providers with information that we will use to personalize our website in accordance with your preferences.

Links to Third-Party Websites

You may be able to access third-party websites through links available on our websites. These links are provided for your convenience. We do not have any control over those third-party websites and we do not provide any guarantee that the privacy practices of the hosts of those websites meet our standards. Your use of such third-party websites is at your own risk and will be governed by the privacy policies of those websites and not by this Privacy Policy.

Access to Your Personal Information

You have the right to access, update, and correct inaccuracies in your personal information in our custody and control, subject to certain exceptions prescribed by law. You may request to access, update and correct inaccuracies to personal information we have in our control by emailing or writing to us at the contact information set out below. We may request certain personal information for the purposes of verifying the identity of the individual seeking access to their personal information records.

Question or Complaints

We have appointed a Chief Privacy Officer who is accountable for our personal information handling practices. If you have a question or complaint about our personal information handling practices, please contact our Chief Privacy Officer by email at privacy@oneclose.ca or by mail at the following address:

OneClose Inc.

Attn: Nigel Singh, Chief Privacy Officer
123 Front Street West, Suite 300
Toronto, ON M5J 2M2
Effective Date: October 11, 2018

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