RevMTG.ca (“Site”) is committed to protecting the privacy and security of your personal information. This Privacy Policy outlines how Canadian Reverse Mortgage Advisors Inc. and Dominion Lending Centres Silver Leaf Financial Group Inc. (FSRA Brokerage Licence #13415) (collectively “CRMA”, “we”, or “us”) collect, use, disclose, and safeguard your information. By using our Site or submitting information to us, you consent to the practices described in this policy.
1. Information We Collect
We collect information that helps us determine your eligibility for a reverse mortgage or other financial products and allows us to communicate with you effectively.
A. Personal Information
We may collect personal information when you voluntarily provide it to us through forms, calculators, or contact requests. This includes, but is not limited to:
- Name and contact details (email address, phone number, mailing address).
- Date of birth/Age (required for reverse mortgage qualification).
- Property details (estimated value, location, property type).
- Financial information (current mortgage balance, secured debt).
B. Non-Personal Information
When you visit our Site, we may automatically collect non-personal technical data, such as your IP address, browser type, operating system, referring URLs, and pages viewed. This data helps us analyze Site traffic and improve user experience.
2. How We Use Your Information
We use your information for legitimate business purposes, including:
- Assessment: To evaluate your potential eligibility for a reverse mortgage or other lending solutions.
- Service Delivery: To facilitate the mortgage application process through DLC Silver Leaf Financial Group Inc.
- Communication: To respond to your inquiries, provide quotes, and update you on rates or changes in market conditions.
- Marketing: To send you newsletters or promotional materials (subject to your consent, as outlined below).
- Compliance: To meet legal and regulatory requirements under FSRA and Canadian law.
3. Sharing and Disclosure of Information
We value your trust and do not sell your personal information to unauthorized third parties. We may share your information only in the following circumstances:
- Affiliates and Lenders: We may share information with approved lenders or financial institutions to secure the mortgage product you have requested.
- Service Providers: We may share data with trusted third-party vendors who assist us in operating our Site, conducting our business, or servicing you (e.g., CRM systems, email marketing platforms), provided they agree to keep this information confidential.
- Legal Obligations: We may disclose information if required to do so by law or in response to valid requests by public authorities (e.g., a court order or government agency).
4. Consent to Contact (CASL Compliance)
By submitting your contact information on RevMTG.ca, you provide your express consent to receive commercial electronic messages (CEMs) from CRMA and our associated mortgage professionals.
- Types of Communication: These may include emails, text messages, and telephone calls regarding your inquiry, mortgage rates, and financial advice.
- Unsubscribing: You may withdraw your consent at any time. Every marketing email we send will contain an “Unsubscribe” link. You may also contact us directly to be removed from our contact list.
5. Data Security
We implement a variety of security measures to maintain the safety of your personal information. We use secure servers and encryption (SSL) to protect sensitive data transmitted online. However, please be aware that no method of transmission over the Internet is 100% secure. While we strive to protect your data, we cannot guarantee its absolute security.
6. Cookies and Tracking Technologies
Our Site may use “cookies” and tracking pixels (such as Google Analytics) to enhance your experience and gather data about Site traffic and interaction. You may choose to set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do so, note that some parts of the Site may not function properly.
7. Retention of Information
We retain your personal information only as long as necessary to fulfill the purposes for which it was collected or as required by law. As a regulated mortgage brokerage, we are required by FSRA to retain certain client files and records for a specific period of time (typically 6 years or more) for audit and compliance purposes.
8. Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to read the privacy policies of any website you visit.
9. Changes to This Policy
CRMA reserves the right to update this Privacy Policy at any time. Any changes will be posted on this page with an updated revision date. Your continued use of the Site after any changes indicates your acceptance of the new Privacy Policy.
10. Contact Us
If you have any questions regarding this Privacy Policy or how we handle your data, please contact our Privacy Officer at: +1 (416) 577-3504 or email mail@revmtg.ca
Canadian Reverse Mortgage Advisors Inc. / DLC Silver Leaf Financial Group Inc.
Address: Suite 204 - 3582 Major Mackenzie Dr W, Vaughan, ON. L4H 3T6