T
he
Mortgage
Centre
Canada
refers
applications
to
a
network
of
independent
mortgage
brokers
known
as
Mortgage
Centre
Specialists.
Mortgage
Centre
Specialists
are
governed
by
the
Mortgage
Centre
Specialist
Privacy
Policy.
As
Mortgage
Centre
Specialists,
we
are
committed
to
keeping
your
privacy
protected
and
your
information
confidential
at
all
times.
We
collect,
use
and
disclose
information
about
you
for
a
variety
of
reasons:
- To
identify
you
and
verify
any
information
you
give
us
- To
protect
us
both
from
error
and
fraud
- To
understand
your
needs
and
eligibility
for
products
and
services
- To
recommend
particular
products
and
services
so
we
may
serve
you
better
- To
meet
legal
requirements,
such
as
asking
you
to
provide
the
necessary
information
to
verify
your
identity
- To
present
your
mortgage
application
to
various
lenders
and
insurers
for
the
purpose
of
securing
a
mortgage
and/or
related
service
- We
may
review
and
analyze
your
use
of
our
services,
in
order
to
assist
in
the
above.
We
may
collect
from
you
and
share
health
information
with
insurers
and
insurance
agents
for
the
purpose
of
applying
for
creditor
insurance.
Your
information
will
be
protected
from
error,
loss
and
unauthorized
access.
Our
procedures
and
systems
are
designed
to
ensure
this
security.
We
collect,
use
and
disclose
personal
information
only
for
purposes
that
a
reasonable
person
would
consider
appropriate
in
the
circumstances.
As
well,
we
never
sell
any
information
about
our
customers
to
others,
and
we
only
keep
information
as
long
as
it
is
needed.
We
obtain
your
(express
or
implied)
consent
before
we:
- Check
your
employment
- Obtain
a
credit
report
- Offer
you
other
products
and
services
- Obtain,
use
or
disclose
to
other
persons,
information
about
you
unless
we
are
obliged
to
do
so
by
law
or
to
protect
our
interests
- Use
your
information
in
any
way
we
didn't
tell
you
about
previously
You
can
withdraw
your
consent
any
time
after
you've
given
it
to
us,
provided
there
are
no
legal
requirements
to
prevent
this,
by
contacting
your
Mortgage
Centre
Specialist.
We
may
tell
you
about
products
and
services
through
direct
mail,
telephone,
or
other
means.
If
you
do
not
wish
us
to
do
so,
advise
your
Mortgage
Centre
Specialist.
We
don't
share
information
about
you,
except
as
is
necessary
to
complete
your
mortgage
application
and
take
all
steps
necessary
to
secure
mortgage
financing
on
your
behalf,
nor
do
we
release
it
to
anyone
else,
without
your
express
or
implied
consent.
However,
there
are
some
exceptions.
For
example,
we
may
collect,
use
or
disclose
information
without
your
consent
if
we:
- are
obligated
or
permitted
to
do
so
for
legal
reasons
- use
an
outside
company,
such
as
The
Mortgage
Centre
Canada
(CIBC
Mortgages
Inc.),
to
do
work
for
us
involving
some
of
your
information
You
can
review
your
personal
information
held
by
us
and
make
corrections
to
it
by
contacting
your
Mortgage
Centre
Specialist.
You
may
be
asked
to
put
your
request
in
writing.
If
you
have
any
questions,
comments
or
complaints
contact
your
Mortgage
Centre
Specialist.
In
the
operation
of
this
site,
The
Mortgage
Centre
Canada
collects
your
information.
While
The
Mortgage
Centre
Canada
has
control
of
your
information
The
Mortgage
Centre
Canada
Privacy
Policy
applies.
The
Mortgage
Centre
Canada
is
a
division
of
CIBC
Mortgages
Inc.,
a
member
of
the
CIBC
group
of
companies.
At
The
Mortgage
Centre
Canada
("MCC"),
a
division
of
CIBC
Mortgages
Inc.
which
is
a
member
of
the
CIBC
group
of
companies,
an
important
part
of
our
commitment
to
provide
you
with
service
excellence
is
our
respect
for
your
right
to
privacy.
(In
this
policy,
"MCC"
means
CIBC
Mortgages
Inc.
and
"CIBC
group"
means
CIBC
and
its
subsidiary
companies.)
Keeping
our
customers'
information
and
affairs
in
strict
confidence
is
a
cornerstone
of
MCC's
business.
The
range
of
products
and
services
we
offer
our
customers
continues
to
expand,
and
the
technology
we
use
continues
to
change.
But,
no
matter
how
our
business
changes,
we'll
always
protect
your
privacy.
Our
policies
and
procedures
which
we
practice
in
order
to
protect
your
privacy
are
in
place
across
MCC.
In
the
following
sections
we
describe
these
policies
and
procedures
and
how
we
put
them
into
practice
so
that
you
have
control
over
how
we
collect,
use
and
disclose
your
information.
- we
keep
your
information
and
the
business
you
do
with
us
in
strict
confidence
- your
information
is
not
sold
- you
have
control
over
how
we
obtain,
use,
and
give
out
information
about
you
- you
have
access
to
the
information
we
have
about
you
- we
respect
your
privacy
when
we
market
our
products
and
service
When
you
first
become
a
MCC
customer
and
whenever
you
apply
for
more
products
and
services,
we
let
you
know
that:
- besides
your
name,
address
and
telephone
number,
we
need
information
to:
- establish
your
identification
- protect
you
and
us
from
error
and
fraud
- understand
your
needs
and
eligibility
for
products
and
services
- recommend
particular
products
and
services
to
meet
your
needs
- provide
ongoing
service
- comply
with
legal
requirements
- we
may
verify
some
of
the
information
you
give
us
with
your
employer
or
your
references
- we
may
offer
other
products
that
are
suitable
to
you
- we
will
not
refuse
you
any
other
product
or
service
on
the
basis
of
any
health
information
you
may
have
given
us
when
applying
for
insurance
products
offered
through
us
We
may
review
and
analyze
your
use
of
products
and
services,
to
help
protect
you
from
unauthorized
use
of
your
accounts,
to
help
us
serve
you
better,
and
to
bring
other
products
and
services
to
your
attention
which
we
feel
will
be
of
benefit
to
you.
We
also
collect
and
analyze
information
from
other
sources
for
the
same
purposes.
Certain
information,
such
as
a
driver's
licence,
although
convenient
for
identification,
is
voluntary.
It
is
up
to
you
whether
you
want
to
provide
those
or
some
other
suitable
identification,
subject
to
any
legal
requirements.
We
collect,
use
and
disclose
personal
information
only
for
purposes
that
a
reasonable
person
would
consider
appropriate
in
the
circumstances.
We
obtain
your
consent
before
we:
- check
your
employment
- obtain
a
credit
report
- offer
you
other
products
and
services
- send
you
information
about
products
and
services
by
means
of
direct
marketing
- provided
it
is
legally
permitted,
share
your
information
in
confidence
within
the
CIBC
group
- obtain,
use
or
disclose
to
other
persons,
information
about
you
unless
we
are
obliged
to
do
so
by
law
or
to
protect
our
interests
- use
your
information
in
any
way
we
didn't
tell
you
about
previously
When
we
obtain
a
report
and
update
your
information
with
a
credit
bureau,
your
Social
Insurance
Number
(SIN)
is
the
best
way
to
make
sure
that
the
information
actually
refers
to
you.
Wrong
information
can
lead
us
into
making
wrong
conclusions
about
you.
You
should
be
aware,
though,
that
using
your
SIN
this
way
is
voluntary
for
you.
While
the
law
requires
us
to
ask
for
your
SIN
when
you
open
an
account
which
earns
income,
we
need
to
get
your
consent
to
use
it
in
any
other
way.
If
you
choose
not
to
give
us
your
SIN,
this
by
itself
will
not
prevent
you
from
getting
credit
or
any
other
service
Express
consent
can
be
verbal
or
written.
For
example,
when
you
sign
a
credit
application
you
are
giving
your
written
consent
for
us
to
obtain
a
credit
report.
You
imply
consent
when
we
can
reasonably
conclude
that
you've
given
consent
by
some
action
you've
taken,
or
when
you
decide
not
to
take
action.
If
we
give
you
an
opportunity
to
tell
us
you
don't
want
direct
marketing
material
and
you
don't
tell
us
that
you
don't
want
us
to
send
it,
we
can
conclude
that
you
have
no
objection.
We
will
rely
on
your
implied
consent
to
use
and
disclose
identifying
information
about
you,
such
as
your
name
and
address.
You
can
withdraw
your
consent
any
time
after
you've
given
it
to
us,
provided
there
are
no
legal
requirements
to
prevent
this.
However,
in
order
to
maintain
the
integrity
of
the
credit
reporting
system,
we
do
have
to
update
your
credit
information
with
the
credit
bureau
as
long
as
you
have
credit
with
us.
Your
consent
for
this
purpose
cannot
be
withdrawn
during
this
time.
If
you
don't
consent
to
certain
uses
of
information,
or
if
you
withdraw
your
consent,
we
may
not
be
able
to
provide
you
with
a
particular
product
or
service.
If
so,
we'll
explain
the
situation
to
you
to
help
you
with
your
decision.
We
don't
share
information
about
you
within
the
CIBC
group,
or
release
it
to
anyone
outside
of
MCC
without
your
consent.
For
example,
we
give
information
to
a
credit
bureau
only
with
your
consent.
There
are
some
exceptions
to
the
above
rules.
For
example,
we
may
collect,
use
or
disclose
information
without
your
consent
if
we:
- use
an
outside
company
to
process
information
At
times
we
may
use
the
expertise
of
an
outside
company
to
do
work
for
us
involving
some
of
your
information.
When
we
do,
we
select
the
company
carefully
and
confirm
that
it
uses
security
standards
comparable
to
those
of
MCC.
- must
disclose
information
for
legal
reasons
We
may
be
compelled
to
release
information
by
a
court
of
law,
or
other
legal
or
regulatory
authority.
If
so,
our
policy
is
to
release
information
only
to
the
extent
that
we
have
to.
- have
to
protect
the
interests
of
MCC
In
certain
circumstances,
