Website Privacy Policy






Canadian Mortgage Brokers Association – Ontario

Privacy Policy

RELATING TO Website and Electronic Communications

Protecting your privacy is important to INDEPENDENT MORTGAGE BROKERS ASSOCIATION, OPERATING AS CANADIAN MORTGAGE BROKERS ASSOCIATION – ONTARIO (“CMBA Ontario“). This Policy explains how CMBA Ontario collects, uses, and discloses the personal information you may provide while using CMBA Ontario’s Website (the “Website“) and in its electronic publications, newsletter, and announcements (“Electronic Communications“). Any personal information you provide to us through the Website will be treated with care, and subject to this Policy will not be used or disclosed in ways to which you have not consented.

By using the Website, you signify your consent to the collection, use, and disclosure of your personal information in accordance with this Policy. If you do not agree with this Policy, you may not use the Website.

Information Automatically Collected

Non-Identifiable Information — Like many other websites, the Website may automatically collect certain non-identifiable information regarding Website users, such as the Internet Protocol (IP) address of your computer, the IP address of your Internet Service Provider, the date and time you access the Website, the Internet address of the Website from which you linked directly to the Website, the operating system you are using, the sections of the Website you visit, the Website pages read and images viewed, and the materials you post to or download from the Website. This non-identifiable information is used for Website and system administration purposes and to improve the Website. Your non-identifiable information may be disclosed to others and permanently archived for future use.

Cookies — The Website may use “cookies”, a technology that installs information on a Website user’s computer to permit the Website to recognize future visits using that computer. Cookies enhance the convenience and use of the Website. You may choose to decline cookies if your browser permits, but doing so may affect your use of the Website and your ability to access certain features of the Website.

Google Analytics — The Website uses Google Analytics to collect information, in an anonymous form, about how visitors use the Website, including the number of visitors to the Website and the pages they have visited. CMBA Ontario uses such information to compile reports and to help us improve the Website. By using the Website, you agree to such use of Google Analytics. Should you wish to opt-out of the use of Google Analytics, please click on the following link:

Personal Information You Specifically Provide to the Website

Your Personal Information — During your use of the Website, you may be asked to voluntarily provide certain personal information (such as your name, email address, postal address, and telephone number) for purposes such as facilitating communications with you or for applying for access to certain special features or areas of the Website.

Use of Your Personal Information — CMBA Ontario may use your personal information to contact and correspond with you, to respond to your inquiries, and as otherwise permitted by law. Generally, CMBA Ontario will consider the fact that you have voluntarily visited the Website and have provided CMBA Ontario with contact information to signify your consent for CMBA Ontario to use your contact Information for purposes of tracking our communications with you and providing you with information such as electronic communications relating to CMBA Ontario which we think may be of interest or use to you.

Emails from CMBA Ontario  If you provide your email address, CMBA Ontario may send to you, from time to time, email containing information about CMBA Ontario and other matters it believes will interest you. At any time you may ask CMBA Ontario to stop sending you email and other information by contacting office@cmbaontario.

Tracking Information — In addition, CMBA Ontario may use non-personal information to create aggregate tracking information reports regarding Website user demographics and Website traffic patterns. None of the tracking information in the reports can be connected to the identities or other personal information of individual users. CMBA Ontario also may link tracking information with Website users’ personal information. Once such a link is made, all of the linked information is treated as personal information and will be used and disclosed only in accordance with this Policy, and in accordance with the law.

Disclosure of Your Personal Information — CMBA Ontario may disclose your personal information to a government institution that has asserted its lawful authority to obtain the information or where CMBA Ontario has reasonable grounds to believe the information could be useful in the investigation of unlawful activity, or to comply with a subpoena or warrant or an order made by a court, person or body with jurisdiction to compel the production of information, or to comply with court rules regarding the production of records and information, or to protect CMBA’s rights and property. If CMBA Ontario is involved in a merger or other reorganization, CMBA Ontario may disclose your personal information to the resulting organization.

Storing and Securing Your Information — CMBA Ontario may store and process your personal information at CMBA Ontario’s office in Woodbridge, Ontario. To help protect the confidentiality of your personal information, CMBA Ontario employs security safeguards appropriate to the sensitivity of the information. Nevertheless, due to the nature of the Internet and Internet technologies, security and privacy risks cannot be eliminated and CMBA Ontario cannot guarantee that your personal information will not be disclosed in ways not otherwise described in this Policy.

Accessing Your Personal Information — You may request access to your personal information and information about CMBA Ontario’s collection, use and disclosure of that information by contacting CMBA Ontario at CMBA Ontario has a Privacy Officer who is responsible for the protection of personal information and compliance with privacy-related legislation. Your enquiries will be forwarded to the Privacy Officer when it is received. Subject to certain exceptions prescribed by law, you will be given reasonable access to your personal information, and will be entitled to challenge the accuracy and completeness of the information and to have it amended as appropriate. You can help CMBA Ontario maintain the accuracy of your information by notifying CMBA Ontario of any changes to your personal information.

Withdrawal of Consent — You may withdraw your consent to the use and intention of personal information about you. To do this, please contact the Privacy Officer as noted above. Additionally, we routinely provide “opt out” or “unsubscribe” instructions on our electronic communications to provide for removal of your name from future transmissions.

Other Matters

Other Websites — The Website contains links to other Websites or Internet resources. When you click on one of those links you are contacting another Website or Internet resource that may collect information about you voluntarily or through cookies or other technologies. CMBA Ontario has no responsibility or liability for or control over those other Websites or Internet resources or their collection, use and disclosure of your personal information.

Website Terms of Use Agreement — The Website Terms of Use Agreement governing your use of the Website contains important provisions disclaiming and excluding the liability of CMBA Ontario and others regarding your use of the Website and provisions determining the applicable law.  Each of those provisions also applies to any disputes that may arise in relation to this Policy and the collection, use and disclosure of your personal information, and are of the same force and effect as if they had been reproduced directly in this Policy.

Former Users — If you stop using the Website or your permission to use the Website is terminated by CMBA Ontario, CMBA Ontario may continue to use and disclose your personal information in accordance with this Policy as amended from time to time, and subject to compliance with the law.

Privacy Policy Changes — This Policy may be changed by CMBA Ontario from time to time in CMBA Ontario’s sole discretion and without any prior notice or liability to you or any other person. The collection, use and disclosure of your personal information by CMBA Ontario will be governed by the version of this Policy in effect at that time. New versions of this Policy will be posted here. Your continued use of the Website and receipt or request of any electronic communication subsequent to any changes to this Policy will signify that you consent to the collection, use and disclosure of your personal information in accordance with the changed Policy. Accordingly, when you use the Website or receive or request any electronic communication, you should check the date of this Policy and review any changes since the last version. You should also bookmark this page and periodically review this Policy to ensure that you are familiar with the most current version.

Electronic Communications — Electronic communications from CMBA Ontario are meant to provide access to information and knowledge of interest generally, and not with respect to your particular facts or circumstances.

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