Privacy Statement

This Privacy Statement sets out the manner in which Equity Financial Trust Company and its affiliates (“Equity Financial”) collect, use, disclose and otherwise manage personal information.

Personal Information

Personal Information is information that identifies an individual personally or is associated with an identifiable individual. Personal information may include name, address, home telephone number, marital status, assets, liabilities, income and other information of a personal nature relating to race, religious beliefs, political opinions and affiliations.

Collection and Use of Personal Information

Equity may collect personal information in connection with your mortgage financing, other financial services, such as GICs. This information may include your name, contact information, date of birth, social insurance number, employment history, banking, credit and other financial information, property appraisal information, residential history and identification information. We use your personal information to identify you, assess your eligibility for our products and services, set up and administer the products and services requested, protect us from fraud or error, and comply with applicable laws.

How Do We Collect Personal Information?

We may obtain personal information directly from you, your broker, lawyer, employer, credit bureaus, financial institutions with which you have a relationship, as permitted by the law.

Consent

We collect, use and disclose personal information with the consent of the individual to whom such personal information relates, except in certain limited circumstances defined by privacy laws.

Disclosure of Personal Information

We will only disclose an individual’s personal information with the individual’s consent, or where Equity Financial is legally required or permitted by law.

In the context of providing our mortgage and other financial services, we may disclose your personal information to your broker or lawyer, credit bureaus, financial institutions, insurers, property appraisers and as otherwise required or permitted by law.

Legal: Equity may be required to disclose information to government regulatory authorities or self-regulatory organizations, in accordance with applicable laws. Equity and our service providers may also be required to provide your personal information in response to a count order or other legally valid inquiry, or to an investigative body in the case of a breach of an agreement or contravention of law, or as otherwise required by applicable Canadian law. We may also disclose personal information where necessary for the establishment, exercise or defence of legal claims or as otherwise permitted by law.

Protection of Personal Information

Equity has implemented measures designed to protect personal information in our custody and control. We maintain strict administrative, technical and physical safeguards in an effort to protect against unauthorized access, use, modification and disclosure of personal information in our custody and control.

Retention of Personal Information

Equity will only retain an individual’s personal information for as long as is reasonably necessary to fulfill the purposes for which it is collected or is required by law.

Accessing Your Personal Information

An individual has the right to access, update and correct inaccuracies in his or her personal information subject to legal restrictions. To protect your privacy, we will take reasonable steps to help verify your identity before providing you with access to your personal information.

Information About our Website

www.equityfinancialtrust.com gathers information about visitors who are not personally identified. This information includes the type of internet browser and operating system you are using, IP (Internet Protocol) addresses and other related information such as page requests and average time spent on our website. Please note the information will only be gathered while the visitor is on the site. No information is gathered about other third party sites the visitor has accessed. The information collected is analyzed to help us understand trends and patterns and to improve the content, design, and user experience of www.equityfinancialtrust.com

In certain sections of the site, Equity may invite you to contact us, request information, or complete a registration form. In these cases, we request contact and other related information. If you chose to provide this information, we will use it only to contact you as requested, or to register you to access certain sections of our website or for specified events.

Cookies: Our website uses a technology called “cookies”. A cookie is a tiny element of data that our website can send to your browser, which may then be stored on your hard drive so we can recognize you when you return. You may set your web browser to notify you when you receive a cookie. However, if you decide not to accept cookies from our website, you may not be able to take advantage of all of the features of our website.

Tracer Tags & Web Beacons: Some areas of the www.equityfinancialtrust.com website may also use “web beacon” technologies. Web beacons work in conjunction with cookies and let us know what portions of our site are of interest to our visitors and to help us provide you with tailored information from our website. If you turn off cookies, web beacon technologies will still detect anonymous visits, but the notices they generate cannot be associated with other information that is collected and are disregarded.

Third party links: Our website may contain links to other sites that Equity Financial does not own or operate. Also, links to our website may be featured on third party websites on which we advertise. Except as described in this Privacy Statement, we will not provide any of your personal information to these third parties without your consent. We provide links to third party websites as a convenience to the user. These links are not intended as an endorsement of, or referral to the linked websites. The linked websites have separate and independent privacy statements, notices and terms of use, which we recommend you read carefully. We do not have any control over such websites, and therefore we have no responsibility.

Customer Testimonials/Case Studies/Reviews: We post customer testimonials/comments/reviews on our website, which may contain information about the customer. We obtain each customer’s consent via email prior to posting the customer name and testimonial.

Privacy Officer

If you have any concerns about personal information maintained by Equity or if you wish to access, correct or update your personal information, please direct your query to:

Privacy Officer, Equity Financial Trust
P.O. Box 1160 Stn TD
Toronto ON
M5K 1P2
Email: privacyofficer@equityfinancialtrust.com

Legal Disclaimer

Emails from Equity Financial and affiliates are confidential, may be privileged and are intended for the exclusive use of the addressee(s). Any other person is strictly prohibited from disclosing, distributing or reproducing them. If the addressee cannot be reached or is unknown to you, please tell the sender immediately by return e-mail, delete the e-mail and destroy all copies of the email and any attachments. The views expressed in emails are not necessarily those of Equity. Emails are also subject to copyright laws and must not be reproduced or adapted without the consent of the owner.

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