Xperto is provided by Xperto Hypothèques Inc.
Xperto Hypothèques Inc. (hereinafter “we” or “our“) is committed to ensuring the confidentiality and security of your personal information. This privacy policy (hereinafter the “Policy“) describes how we collect, use, disclose, and otherwise process your personal information, how we protect it, and what controls you have over it.
This Policy is incorporated into and subject to the Terms of Use. Key terms used herein without definition have the meaning given to them in our Terms of Use.
This Policy applies to the Services, including your interactions in the context of your use of the Services, whether by phone, email, chat, or otherwise. This Policy does not apply to third-party websites, mobile applications, or other services. Therefore, we cannot be held responsible for the privacy policies, procedures, and practices of such third parties.
By using the Services, communicating with us, or agreeing to receive our communications such as our newsletter and commercial electronic messages, you accept the terms and conditions of this Policy. If you do not accept the terms and conditions of this Policy, or if you do not have the capacity or authority to do so, please do not install the Application, browse the Site, or otherwise access or use the Services.
- Changes to the Policy
We recommend that you reread this page periodically to stay informed of any changes we may make from time to time. If we modify this Policy, we will make it accessible on the Site and the Application, indicate the date of the last version, and comply with applicable laws. By continuing to use the Site and the Application after the amended version of this Policy comes into effect, you indicate that you have read, understood, and accepted the current version of this Policy. If you disagree with the changes made to this Policy, please uninstall the Application and cease using the Services. If you reinstall the Application or resume using the Services, you will be deemed to have accepted the Policy as then in effect.
- How do we collect your personal information?
Some personal information is provided to us voluntarily by you (for example, when you create an account to use the Services), while other personal information is collected automatically (for example, when you browse the Site, cookies are installed on your Device (as defined in clause 3 below)).
We collect your personal information in the following circumstances, among others:
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- when you create an account to use the Services;
- when you use our Services, including when you request information about mortgages, or when you upload documents or information to your account;
- when you communicate with us by phone, email, chat, or otherwise;
- when you schedule an appointment with one of our representatives or advisors regarding the Services;
- when you subscribe to our newsletter;
- when you interact with digital content on the Site or the Application;
- when you participate in a contest or survey;
- when you post comments on the Site or the Application;
- when you decide to give us permission to access your personal information from third-party websites (for example, by connecting us to social networks). When you do so, you allow us to collect information within the limits you have set (settings) and in accordance with the privacy policies of those third-party Services. It is your responsibility to control your settings and to read and understand those policies.
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- What information is collected?
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- Personal Information
For the purposes of this Policy, the term “personal information” means any information about an identifiable individual in accordance with the Personal Information Protection and Electronic Documents Act, S.C. 2000, c. 5.
For example, we consider information such as your first name, last name, date of birth, postal address, phone and mobile numbers, and email address to be personal information.
In order to provide you with the Services, we may be required to ask for sensitive information, such as financial information (your income, assets, and liabilities) or information from your employer (for example, a statement of employment). We may also ask for your Social Insurance Number (SIN) for the purpose of transmitting your information to a credit reporting agency to perform a credit analysis. The SIN is the best way to ensure that the information we receive from credit reporting agencies actually pertains to you. By providing us with your SIN, you help us process your request efficiently and quickly.
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- Automatically Collected Information
Like most modern websites and mobile applications, the Site and the Application use cookies to record user browsing activities, such as pages visited, or technical information such as the web browser and operating system used to visit the Site or use the Application. The use of cookies and similar tracking technologies allows us to improve the performance of the Site or the Application, retain your preferences or settings, provide you with an optimal experience on the Site or the Application, personalize the Services, and, in accordance with applicable laws, send you advertising based on your interests.
A cookie is an online alphanumeric identifier that is installed on your computer, tablet, or mobile device (a “Device“) when you use the Site or the Application.
Cookies may be installed on your Device by us or by a third party (including our partners).
The Site and the Application include content from certain third-party websites, locations, platforms, and services (the “Third-Party Services“), as well as hyperlinks to them. Additionally, the Site and the Application contain cookies operated by third parties. For example, we use third-party analytics services, such as Google Display Network impression reporting, Google Analytics demographic and interest reporting, and other integrated services that use Google Analytics to collect information, including through cookies. Similarly, advertising delivery services, advertisers, and other third parties may use tracking technologies on the Site, the Application, and Third-Party Services to track your activities over time and across various services, and to send you advertisements based on your activities. As a result, you may receive advertising about a Third-Party Service or a third-party device after leaving the website.
The Site and the Application contain plugins from social media platforms to allow you to interact with us on those platforms. By browsing the Site or using the Application, your browsing information may be transmitted directly to the relevant social media platform without your direct interaction, solely due to the presence of buttons on the Site and the Application. These cookies are not under our control. Please consult the privacy policies of each of these social media platforms to learn more about their use of cookies and other tracking technologies, as well as their operations.
In general, information collected by cookies is not considered personal information because it cannot be used to identify you. If you wish, you can set your web browser to reject cookies, but this may result in the loss of some functionality of the Site or the Application.
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- Information About Others
As mentioned in the Terms of Use, your account is intended for your use, and there is no transfer of information between accounts, even when two accounts are used in the same transaction. Therefore, if you wish to acquire a property jointly with another person, each will need to upload documents to the other’s account, as documents uploaded to one account are not accessible to the other person. YOU MUST ENSURE THAT YOU HAVE THE REQUIRED CONSENT FROM YOUR CO-PURCHASER BEFORE PROVIDING US WITH THEIR PERSONAL INFORMATION.
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- Children’s Personal Information
We do not knowingly collect personal information from children through our Services. If you are a minor under the applicable laws of your place of residence, please refrain from submitting personal information to us without the express consent of a parent or guardian.
- How do we use the information?
We take measures to ensure that access to your personal information is limited to employees who need it in the performance of their duties. We may use your personal information to:
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- manage the account creation process on the Site or the Application and, more generally, to manage your account;
- provide you with the products and services you have requested through the Services;
- design, maintain, analyze, manage, improve, market, and provide products and services through the Site or the Application;
- help us perform operations and verify your identity in relation to the transaction you have requested;
- provide access to the Site and the Application;
- respond to your inquiries, questions, and comments;
- perform quality assurance, marketing, and other analyses;
- organize contests and other promotional activities;
- communicate with you regarding the products and services you have requested;
- communicate with you about changes to our policies;
- send you surveys about the Services, including satisfaction surveys, in accordance with applicable laws or with your consent (if required);
- understand your needs and interests, provide you with optimal services and personalized advertisements, services, and products by performing profiling, where permitted by applicable laws or with your consent (if required);
- improve the performance of the Site and the Application, respond to your requests regarding the Site and the Application, retain your preferences and settings for the Site and the Application;
- send you informational, promotional, and marketing communications about us or about third-party products and services (for example, offers, discounts, newsletters, and birthday wishes), where permitted by applicable laws or with your consent (if required);
- protect against fraud and errors;
- comply with legal and audit requirements;
- investigate non-compliance with the Terms of Use or this Policy;
- recover debts you have incurred with us.
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- Disclosure of Personal Information
In certain circumstances or to ensure the provision of the Services, we may disclose your personal information to the following third parties:
- financial institutions:
to provide you with the Services and the products and services you have requested, we may disclose your personal information to financial institutions;
- promotional partners
we may disclose your personal information to third parties who may partner with us for any kind of activities, such as contests and other promotions;
- acquirer, successor, or assignee
in the event of a change of ownership, sale, merger, liquidation, reorganization, or acquisition of Xperto, in whole or in part, or in the event of any other transaction or bankruptcy, your personal information may be transferred as part of the transaction;
- law enforcement agencies and government and administrative entities
we may disclose your personal information to law enforcement agencies and government and administrative entities if required by law or if we believe in good faith that such disclosure is necessary to comply with applicable laws, to comply with a court order, subpoena, or government search warrant that appears legitimate, or to otherwise cooperate with law enforcement agencies and government and administrative entities;
- social networks or other service providers
we may transmit your personal information to social networks and other service providers to use their marketing tools for targeted marketing and lookalike marketing. For example, we may use Facebook’s Custom Audiences to match people on our customer list with people on Facebook. This allows us to target our advertisements on Facebook to an audience created by Facebook through the Custom Audiences tool.
Please note that once we have disclosed your personal information to a third party, it may be subject to that third party’s privacy practices. Please note that we make reasonable commercial efforts to ensure that your personal information is used by third parties in a manner consistent with this Policy.
- Storage of Your Personal Information
Your personal information will be collected in Canada and stored on servers in Canada, but it may be disclosed to third parties established in other countries and stored and/or otherwise processed by them. For example, some of the service providers that process or handle personal information on our behalf are established outside Canada. Regardless of where your personal information is processed, we will take measures to protect it in accordance with this Policy, data protection laws, and, when required by applicable laws, recognized data transfer mechanisms. Although we take reasonable measures to protect your personal information, it is subject to the legal requirements and government authorities of the foreign territories where it is stored. Thus, we may be legally required to disclose personal information to a government authority of a foreign territory where your personal information is stored.
- Security of Personal Information
We have adopted reasonable security procedures to prevent the loss or theft, or unauthorized access, disclosure, copying, use, or modification of the personal information you provide to us. Although we strive to protect your personal information, we cannot guarantee the security of the personal information you communicate to us or transmit through our Services, and we cannot be held responsible for the loss or theft, or unauthorized access, disclosure, copying, use, or modification of your personal information, unless it results from gross negligence or willful misconduct or is otherwise provided by law.
- Retention Period
We will retain your personal information for as long as necessary for the purposes set out in this Policy or longer if permitted or required by applicable laws. Please note that if you merely unsubscribe from commercial communications such as the newsletter, we may nevertheless continue to use your personal information for marketing and analysis purposes, unless you withdraw your consent to these activities by following the procedure set out in the “Withdrawal of Consent” clause of this Policy.
- Right to Access and Correct Personal Information
You have the right to access all personal information about you that we hold, and to correct or have corrected any personal information that is inaccurate or outdated.
Information stored in your account profile can be accessed on our Site or the Application and, if necessary, you can correct it yourself.
Information collected by cookies is stored in cookie files created on your device. Therefore, it can be accessed or modified by you without our intervention.
For any other privacy-related requests, you can contact us by email using the contact information provided in the “Contact Person” clause of this Policy. Depending on the nature of your request, reasonable fees may need to be paid before we transcribe, reproduce, or transmit your personal information.
- Anti-Spam Policy
We are committed to complying with Canada’s anti-spam legislation, as it may be amended from time to time, and all other applicable rules and regulations under or related to Canada’s anti-spam legislation.
Commercial Electronic Messages (CEMs)
All commercial electronic messages that encourage participation in a commercial activity (CEMs) sent to you by us will comply with the requirements of Canada’s anti-spam law, including, without limitation: Identification of the sender and sender’s contact information;
Any unsubscribe mechanism;
Processing requests to no longer receive CEMs;
and Ensuring that any CEM you receive from us includes a descriptive subject line consistent with the purpose of our contact.
Third Parties
We do not knowingly do business with any company that participates in sending spam. Modifications to this Anti-Spam Policy We may modify this policy at any time by publishing a new version on this website.
- Contact Person
To ask questions or make comments about this Policy or about your personal information, or to submit a request for access to your personal information or corrections to it, please contact our Privacy Officer by email at: privacy@Xperto.ca.