Privacy Policy for Gene Wesley Mortgages
Gene Wesley Mortgages, acting as agents for Brokers for Life Inc. https://brokersforlife.ca / Dominion Lending Centres (BFL/DLC), is committed to maintaining the accuracy, security, and privacy of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect your personal information in compliance with Alberta’s Personal Information Protection Act (PIPA) and Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).
Consent
By submitting personal information to Gene Wesley Mortgages or any of our associated brokerages or staff, you consent to the collection, use, and disclosure of such personal information in accordance with this Privacy Policy and as permitted or required by law. You may refuse or withdraw your consent at any time by contacting our Privacy Officer. Please note that withdrawing consent may affect our ability to provide services to you.
What Personal Information Do We Collect?
Under both PIPA and PIPEDA, personal information is broadly defined as any information about an identifiable individual. This includes but is not limited to:
- Name, address, telephone number, email address
- Financial information such as income, credit history, assets, liabilities
- Employment details
- Social Insurance Number or other government-issued identification
- Any other information necessary for mortgage applications or related financial services
We may also collect additional information from consumer reporting agencies or other third parties involved in your financial transactions.
Why Do We Collect Your Personal Information?
We collect personal information to provide you with mortgage brokerage services and related financial products. This includes:
- Arranging and/or renewing loans/mortgages
- Evaluating your creditworthiness through credit bureau inquiries
- Advising you on financial options based on market developments
- Complying with applicable laws and regulations
- Auditing services provided to clients
- Informing you of creditor insurance or other products that may be of interest
We will only use your personal information for the purposes identified in this policy or as otherwise communicated to you. If we intend to use your personal information for a new purpose not previously identified, we will obtain your consent before doing so.
To Whom Do We Disclose Your Personal Information?
From time to time, we may disclose your personal information to:
- Prospective lenders, financial institutions, insurance companies
- Sub-mortgage brokers and staff within BFL/DLC
- Service providers who assist us in providing services (e.g., office services)
- Credit reporting agencies or debt collection agencies
- Legal representatives or law enforcement agencies where required by law
- Regulatory bodies overseeing mortgage brokerage activities
We ensure that any third party receiving your personal information complies with strict confidentiality standards. Additionally, we will not sell your personal information under any circumstances.
Where Do We Store Your Personal Information?
Your personal information is stored securely in physical locations and on electronic systems controlled by Gene Wesley Mortgages and BFL/DLC. When necessary, paper records may be stored off-site in secure facilities. All records are subject to destruction after a reasonable period in compliance with applicable regulatory requirements.
How Do We Protect Your Personal Information?
We employ administrative, physical, and technological safeguards appropriate to the sensitivity of your personal information. These measures include:
- Secure data networks protected by industry-standard firewalls and password systems
- Restricted access to personal data by authorized personnel only
- Regular audits of our security practices
While we take reasonable steps to ensure third-party service providers protect your data adequately, we will discontinue dealings with any party found not to meet these standards.
Your Rights
Accessing and Correcting Your Personal Information
Under PIPA and PIPEDA, you have the right to access the personal information we hold about you. Upon written request to our Privacy Officer, we will inform you of the existence, use, and disclosure of your personal data. You also have the right to request corrections if any inaccuracies are found.
Use of Cookies and Online Tracking Technologies
Our website may use cookies or similar technologies to enhance user experience by tracking site activity. Cookies help us tailor content based on user preferences but do not collect personally identifiable information unless explicitly provided by the user. If you wish to opt out of cookie-based tracking or targeted advertising (such as Google Analytics), you can do so by visiting the Digital Advertising Alliance’s Consumer Choice page or adjusting your browser settings.
Changes to This Privacy Policy
Gene Wesley Mortgages reserves the right to modify this Privacy Policy at any time. Any changes will be posted on our website promptly. Continued use of our services following any changes signifies acceptance of those updates.
Further Information
Brokers for Life Inc. has appointed Margaret Lane as Privacy Officer to oversee compliance with this Privacy Policy and applicable privacy laws. For information on Brokers for Life Inc. privacy practices, please contact Mrs. Lane in writing, at the address shown below: Mrs. Margaret Lane Chief Privacy Officer Brokers for Life Inc. 1144 Wedgewood Blvd NW Edmonton, AB T6M 2L5
