HVR Financial Inc Privacy Policy

HVR Financial Inc Is an Ontario based Mortgage Brokerage company with a satellite of in British Columbia and hold respective licenses under FSRA and BCFSA. Mortgage License # 13148 in Ontario and X301207 in BC.

HVR Financial Inc. (HVR Financial Inc. shall hereinafter be referred to as “we”, “us”, and “our” unless specified) is committed to the privacy and security of your personal information. This privacy policy (or “Policy” for short) describes how we collect, use, disclose and otherwise process your personal information, how we protect it and the controls you have over it.

This Policy is incorporated into, and is subject to, our Terms of Service. Capitalized terms used but not defined in this Policy have the meaning ascribed in our Terms of Service.

This Policy applies to the Services, including to your interactions in the course of your use thereof whether by phone, email, online or otherwise. This Policy does not extend to websites, mobile applications if any or other services of third parties that are involved in the funding process. “We” are therefore not liable for their privacy policies, procedures and practices.

By using the Services, and communicating with us or even by agreeing to receive communications from us, such as our newsletter and commercial electronic messages etc. You are accepting the terms and conditions of this Policy. If you do not agree with the terms and conditions of this Policy, or if you lack the capacity or authority to agree to these terms and conditions, “we” suggest that you DO NOT browse the Site, or otherwise access or use the Services.

 Changes to this Policy 

It is advised that you the USER revisit this page periodically to stay aware of any changes to this Policy, which we may update from time to time. If we modify the Policy, we will make it available through the Site and indicating the date of the latest version, and comply with applicable laws. Your continued use of the Site after the revised Policy has become effective shall indicate that you have read, understood and agreed to the current version and the covenant of the Policy. If you disagree with any changes made to the Policy, please cease to use the Services. Additionally, if you restart using the Services from the web site, you are considered to have accepted the Policy then in effect.

Collection of Information

Some personal information is provided to us voluntarily by you (for example, when you download and fill out the mortgage application package of forms.) while some personal information is collected automatically (for example, when your browse the Site, cookies are placed on your Device (as defined in Section 3 below).

More precisely and without limitation, we collect your personal information in the following circumstances:

When you request our Services, such as when you request information about mortgages, or when you upload documents or information to our website.

When you communicate with us by phone, email, online or otherwise;

When you schedule a meeting with one of our representatives or advisors with regards to the Providing

Mortgage Broking Services.

When you sign-up to our newsletter;

When you interact with the digital content on the Site.

When you post comments on our Site and

When you choose to give us permission to access your personal information from third party websites (for example, by linking to social media networks). When you do so, you allow us to collect information based on your settings and in accordance with the privacy policies of such Third-Party Services. It is your responsibility to control your settings and to read and understand those policies.

The type of Information that is Collected

Personal Information

For the purpose of this Policy, “Personal Information” means information about an identifiable individual pursuant to the Personal Information Protection and Electronic Documents Act S.C. 2000, c.5. (PIPDA)

The Information obtained is without limitation, we consider your given name, surname, date of birth, postal address, telephone number, mobile phone number and email address as personal information.

In order to provide you with the correct level of advice and services, we may be required to obtain sensitive information such as financial information this will include the following: (your income, your assets, and your indebtedness), information from your employer (for example, an employment statement by means of letter of employment). We may also ask for your Social Insurance Number (SIN) so that we can provide your information to a credit reporting agency in order to perform a credit analysis. The SIN is the best way to ensure that the information we are provided by the reporting agency actually refers to you. NB*Providing your SIN assists us with accurate and timely processing of your application and prevents unnecessary delays in obtaining financing.

Information Collected Automatically

Like most modern Internet sites and mobile applications, the Site may use cookies to record user browsing activity, such as pages visited, or technological information such as the Internet browser and operating system used to visit the Site. The use of cookies and similar tracking technologies enables us to improve the Site’s performance, and offer you an optimal experience with the Site in accordance with applicable laws, as well as send you advertisements tailored to your interests.

To explain further a “cookie” is an alphanumeric online identifier that is set on your computer, tablet or mobile (“Device”) when you use the Site or the App.

Cookies can be set by us on your Device or by a third party (such as our partners).

In addition, the Site may contain cookies operated by third parties from social media plugins provided by social media platforms in order to allow you to interact with us on these platforms. By browsing the Site, your browsing information may be transferred directly to the relevant social media platform, even without direct interaction on your part, due to the sole presence of the buttons on the Site. These cookies are not under our control. Please consult the privacy policies of each of these social media platforms to know more about their use of cookies and other tracking technologies and how they work.

In general, the information collected by cookies is not considered personal information since it cannot be used to identify you. You may set your Internet browser to reject cookies if desired; however, this may result in loss of functionality of certain features of the Site.

Information About Someone Else

As set forth in the Terms of Use, your information is intended for your mortgage application only and it is never shared, even if the accounts are both involved in the same transaction, unless specific permission has been obtained from you. Therefore, if you wish to co-purchase a property with another individual, you will each need to submit documents to your individual representative, since the documents in one application is not accessible to another neither is the information contained within that application. YOU THE INITIAL APPLICANT MUST ENSURE THAT YOU HAVE THE REQUIRED CONSENT OF YOUR CO-PURCHASER /CO- APPLICANT PRIOR TO SHARING ANY OF THEIR PERSONAL INFORMATION WITH US. HVR ‘s REPRESENTATIVE SHALL RECONFIRM BY OBTAINING A CONSENT FROM THE CO-PURCHASER/ CO-APPLICANT THEREAFTER SHALL PROCEED WITH THE APPLICATION FOR THE REQUIRED MORTGAGE FINANCING.

Children’s Information

We do not knowingly collect personal information from children through our Services. If you are a minor under the laws applicable to your place of residence, please do not submit to us any personal information without the express consent of a parent or guardian.

 Some uses of your Information 

HVR Financial Inc as a Brokerage entity take steps designed to ensure that only Registered agents under the appropriate regulators have access to your personal information for the purpose to fulfill their employment duties in helping you obtain the appropriate financing for your needs. HVR may utilize your personal information to:

Manage and develop further the client application creation process on the Site and, more generally, manage your application

Deliver the products and services you have requested through our Services

Design, maintain, analyze, manage, improve, market and provide products and services via the Site.

Help us perform transactions and verify your identity with the transaction you have requested.

Respond to your queries, questions and comments

Contact you in connection with products and services you have requested

Communicate with you about changes to our policies

Send you surveys with regards to the Services, namely satisfaction surveys, in accordance with applicable laws or with your consent (if required)

Understand your needs and interests and provide you with optimal services and personalized advertisements, services and products by performing profiling, where permitted under applicable laws or with your consent (if required);

Improve the Site’s performance.

Protect against error or fraud;

Comply with legal and auditing requirements;

Investigate breaches of the Terms of Service or the Policy; and

Collect debts owed to us by you.

 Disclosure of Personal Information

In certain circumstances or in order to perform the Services, we may disclose your personal information to the following: Financial Institutions and their promotional partners

In the event of change of ownership, sale, merger, liquidation, reorganization, acquisition of HVR Financial Inc, in whole or in part, or in the event of any other business transactions or bankruptcy, your personal information may be transferred as part of the transaction;

Law Enforcement, Governmental and Administrative Entities

We may disclose your personal information with law enforcement, government and administrative entities if required to do so by law or in the good-faith belief that such action is necessary to comply with applicable laws, in response to a facility valid court order, judicial or other governmental subpoena or warrant, or to otherwise cooperate with law enforcement, governmental and administrative entities.

Storage of your Personal Information 

While your personal information being collected is stored on HVR Financial servers in Canada, or physically held at the head office in paper format, all documents are held and protected under the company’s security policy and as guided by PIPDA and the OPC. These files are firewalled, password protected and encrypted and are only visible to you or the regulator (FSRA/ BCFSA) if called upon during an audit. The data is Never disclosed to, stored and/or otherwise processed by third parties who are located in other countries. With our team of technical engineers, we take the steps to protect your personal information in accordance with this Policy, data protection laws, and where required by applicable laws, recognized data transfer mechanisms.

Personal Information Security

HVR Financial Inc has adopted reasonable security procedures to help protect against the loss or theft and even unauthorized access, disclosure, copying, use, or modification to the personal information you provide to us. Whilst we strive to protect your personal information, HVR Financial Inc cannot guarantee or warrant the security of any personal information you disclose or transmit via the internet and cannot be responsible for the loss, theft, unauthorized access, disclosure, copying, use, or modification of your personal information, unless such acts are the result of our gross negligence or willful misconduct or unless otherwise provided by law

Retention Period 

Under the Mortgage Brokers lenders and Administrators Act (MBLAA) HVR Financial will retain your personal information for a minimum period of 6 years irrespective of the mortgage requested being fulfilled or not or for a longer period if required or permitted under applicable laws.

 Right to Consult and Correct Personal Information 

You have the right to consult all personal information that relates to you and that is held by us, and to correct any such personal information that is inaccurate or outdated.

Information stored in your profile may be consulted and corrected through our registered agent after verification process that establishes you as the correct individual.

For all other privacy-related requests, you may contact us via email at info@hvrfinancial.ca using the contact information in the “Contact Us” section of the website.

 Withdrawal of Consent 

You may withdraw your consent to our collection, use or disclosure of your personal information at any time by contacting us via email using the contact information in the “Contact Us” section of this Policy. However, before we implement the withdrawal of consent, we may require proof of your identity or quality.

In some cases, withdrawal of your consent to our collection, use or disclosure of personal information may mean that we will no longer be able to provide certain products or services to you, including processing your mortgage application for funding purposes.

Anti-Spam Policy

We are committed to complying with Canada’s Anti-Spam Law as it may be amended from time to time, and any other applicable rules and regulations under or relating to Canada’s Anti-Spam Law. With reference to Commercial Electronic Messages (CEMs) all electronic messages that encourage participation in a commercial activity (CEMs) sent to you from us will be in compliance with the requirements of Canada’s Anti-Spam Law, including, without limitation:

1. Sender identification and sender contact information;

2. Any unsubscribe mechanism;

3. The processing requests to no longer receive CEMs; and

4. Ensuring that any CEM you receive from us includes a descriptive subject line consistent with the purpose for our contacting you.

Unsubscribing in most cases our CEMs will provide you with the ability to unsubscribe or opt out of receiving our CEMs. Any “unsubscribe” link in our CEMs will remain operational for 60 days following the sending of the CEMs. When you unsubscribe by sending us an email your request will be processed as soon as possible.

Changes to this Anti-Spam Policy

We may amend this policy at any time by publishing a new version of it on this website.

 Contact 

If you have any questions or comments about this Policy or your personal information, or to make a request to access your personal information or have it corrected, please communicate with us by email using the following contact information: info@hvrfinacial.ca.

Updated 2021-10-01.