Welcome to MN Mortgage Services Inc., the parent company and affiliates (collectively, “Loanvilla”, “we”, “us” and/or “our”). We own and operate the website: www.Loanvilla.ca (the “Site”), which offers online mortgage services, mortgage rate comparison, and other related services (the “Services”). We take your privacy seriously and this Privacy Policy describes our personal information processing practices in relation to you and your personal information as well as the types of personal information we may collect from or about you when you visit, access or use our Site or the Services. The Privacy Policy also describes how we use, maintain, store and disclose personal information. Please take a moment to familiarize yourself with this Privacy Policy before accessing or using our Site or Services.
By accessing or using our Site or Services, you signify your acceptance of this Privacy Policy and agree to be bound by its terms, including with respect to the collection, use, disclosure, storage and other processing of your personal information as described by this Privacy Policy. You can withdraw your consent at any time, however, if you choose to do so, we may not be able to provide you with the access to or use of the Site or the Services.
This Privacy Policy forms part of the Terms of Service, available here: www.Loanvilla.ca/terms-of-use (the “Terms”) and applies to the website Loanvilla.ca and any services rendered or made available through the site including but not limited to services related to Mortgage (“Mortgage Services”).. Your acceptance of the Terms, including this Privacy Policy, forms a legal agreement between you and Loanvilla.ca. Please read the Terms and Privacy Policy carefully. If you do not agree to this Privacy Policy or the Terms, please do not access or use our Site, Services or any information contained or available on or through the Site and/or Services.
Loanvilla is subject to the Personal Information Protection and Electronic Documents Act (Canada) and applicable Canadian provincial privacy legislation. Privacy laws vary by jurisdiction. You acknowledge and agree that access to the Site and the Services are provided via the Internet and that your information, including personal information, may be transferred across national borders and stored or processed in accordance with the terms and conditions of this Privacy Policy. This Privacy Policy has a limited scope and application. Consequently, the rights and obligations contained in this Privacy Policy may not be consistent with privacy requirements for all jurisdictions.
If you are visiting this website and are not a resident of or located in Canada, you should note that by providing your personal information, you are: (i) permitting the collection, processing, maintenance and transfer of your personal information to Canada which may not have the same data protection laws as the country in which you reside and (ii) permitting the use of your personal information in accordance with this privacy policy and the laws of Canada.
This Privacy Policy may be revised by Loanvilla at any time to reflect changes in our business operations, our legal or regulatory requirements or in the way in which we deal with your personal information. We will post any revised version of this Privacy Policy on our Site. The date on which the latest update was made is indicated at the bottom of this Privacy Policy.
If we make any material changes we will notify you as required by law, but encourage you to check back often for updates. Your continued use of the Site and Services after an update or amendment to this Privacy Policy means that you consent to the collection, use, maintenance, storage, disclosure and other processing of your personal information as described in the updated version of the Privacy Policy. If any amendment or modification is unacceptable to you, you must cease using this Site and Services.
For the purposes of this Privacy Policy, personal information is any information about an identifiable individual.
We collect and maintain different types of personal information in respect of the individuals with whom we interact. This personal information may include, but is not limited to:
As a general rule, Loanvilla collects personal information directly from you. In most other circumstances where the personal information that we collect about you is held by a third party, we will obtain your permission before we seek out this information from such sources (such permission may be given directly by you, or implied from your actions). From time to time, we may utilize the services of third parties and may also receive personal information collected by those third parties in the course of the performance of their services for us or otherwise. Where this is the case, we will take reasonable steps to ensure that such third parties have represented to us that they have the right to disclose your personal information to us.
Some personal information is provided to us voluntarily by you (for example, when you fill out a contact us form) while some personal information is collected automatically. We may collect your personal information in the following circumstances (but not necessarily limited to):
In connection with your use of the Site or Services in this manner, you may be required to submit some of your personal information, as indicated on the Site. The type of personal information that we collect from you will depend on the part of the Site or the nature of the Service you are accessing or using. Please note that the way we use the personal information you submit will vary depending on the Service involved or requested by you.
As a general rule, we collect personal information directly from you. In most other circumstances where the personal information we collect about you is held by a third-party, we will obtain your permission before we seek out this information from such sources (such permission may be given directly by you, or implied from your actions). From time to time, we may utilize the services of third-parties and may also receive personal information collected by those third-parties in the course of the performance of their services for us or otherwise. For example, we may obtain information about you from the lenders and their representatives to whom you requested that we submit an application on your behalf. These lenders may collect additional personal information directly from you in connection with the application process that they may subsequently disclose to us. Where this is the case, we will take reasonable steps to ensure that such third-parties have represented to us that they have the right to disclose your personal information to us.
As you interact with our Site, we will automatically collect Technical Information and Internet Activity Information about your equipment and browsing actions and patterns. We collect this information by using cookies, pixels, server logs and other similar technologies. We may also receive Technical Information and Internet Activity Information about you if you visit other websites employing our cookies.
A cookie is a small text file that may be stored on the hard drive of your computer when you access the Site. We may also use cookies to: (1) provide you with customized content and interest-based advertising; (2) monitor our Site’s usage; and (3) conduct research to improve our content and services. You are free to accept or decline cookies at any time, but by doing so, you may not be able to use certain features on the Site or take full advantage of all our offerings. Check the “Help” menu of your browser to learn how to change your cookie preferences.
In addition, the Site contains cookies operated by third parties. For example, we use Google Analytics to help analyze use of our Site. This analytical tool collects standard internet log information and visitor behavior information in an anonymous form. This information is then used to evaluate visitors’ use of the Site and to compile statistical reports on website activity for this Site. To opt out of being tracked by Google Analytics across all websites, visit Google’s opt out page;
We may also conduct interest-based advertising, also referred to as targeted advertising or behavioral advertising on our Site. Retargeting means that the ads that you are being served are personalized based on your behavior when browsing online. Ad serving services, advertisers, and other third parties may use tracking technologies on the Site and on the Third-Party Services (as defined below) to track your activities across time and services, and tailor ads to you based on your activities, which may include sending you an ad on a Third-Party Service or third-party device after you have left the Website. If you are not comfortable with this, you can opt out of interest-based advertising by managing your cookies and other tracking technologies in your browser settings.
Our Site also contains social media plugins provided by social media platforms in order to allow you to interact with us on these platforms. By browsing the Site, your browsing information may be transferred directly to the relevant social media platform, even without direct interaction on your part, due to the sole presence of the buttons on the Site. These cookies are not under our control. Please consult the privacy policies of each of these social media platforms to know more about their use of cookies and other tracking technologies and how they work.
In general, the information collected by cookies is not considered personal information since it cannot be used to identify you. You may set your Internet browser to reject cookies if desired; however, this may result in loss of functionality of certain features of the Site.
Email Marketing tool: We use Zoho currently or in the future may use other providers of similar email platforms for sending marketing and transaction emails. These services may collect information. These services use Cookies and other tracking technologies to collect some information about your device and interaction with an email. These services also collect information and metrics relating to the deliverability of emails and other electronic communications sent through or in connection with the Site and Services. This information is used to improve the content and operation of the Services, and facilitate research and analysis of the Site and Services. For further details, you can find ZOHO’s Privacy Policy here:https://www.zoho.com/privacy.html
Calendly: We use Calendly LLC to allow Site visitors to schedule online calls or meetings with us. When you schedule an appointment through our website, you are redirected to Calendly to schedule the appointment for which you may share certain information. This can include your name, email address and phone number; email addresses of other people; the need for the meeting; and any other information you provide us. If you receive an invitation from us and do not wish to become a Calendly User please contact us through other means to set up your meeting. For more information regarding Calendly Policies, please check their Privacy Policy: https://calendly.com/pages/privacy#cookies-and-other-tracking-mechanisms
Facebook Analytics: to help us understand how our customers use the Site and to produce remarketing campaigns and targeted advertising – you can find Facebook’s Privacy Policy here: https://www.facebook.com/policy.php
Twitter Analytics: to help us understand how our customers use the Site and to produce remarketing campaigns and targeted advertising – you can find Twitter’s Privacy Policy here: https://twitter.com/en/privacy
LinkedIn Analytics: to help us understand how our customers use the Site and to produce remarketing campaigns and targeted advertising – you can find LinkedIn’s Privacy Policy here: https://www.linkedin.com/legal/privacy-policy
Heap Analytics: help us to understand how customers use the site - you can find Heap’s Privacy Policy here: https://www.heap.io/privacy
HotJar Analytics: help us to understand how customers use the site - you can find Hotjar’s Privacy Policy here: https://www.hotjar.com/legal/policies/privacy/
We may share your non-personal information with third parties to improve our services in an anonymized or aggregated form that is designed to prevent anyone from identifying you. We reserve the right to keep non-personal information indefinitely.
We also collect statistics about use of the Services accessed through the Site. This information will be kept confidential, however, aggregate statistics that do not personally identify an individual will be kept by us and such aggregate statistics may be made available to other members or third parties.
We may use your personal information for the purposes for which it was collected, as set out in this Policy, for other purposes permitted by law, or for other purposes with your consent. We only collect information from you that is necessary to provide you with the products and services available through our Site and which enables us to manage, maintain, and develop our operations. For example, we collect information in order to:
By consenting to the collection, use and disclosure of your personal information through the Site you allow us to fulfill the purposes for which we collect your personal information. When we collect your information for research and development purposes, we ensure that any information used for our analysis and reports will be de-identified and aggregated in a manner that will not identify you.
We may use your personal information as permitted or required by applicable law or regulatory requirements; for the purposes described in this Privacy Policy; for any additional purposes for which we have obtained your consent. We may use your personal information without your knowledge or consent where we are permitted or required by applicable law or regulatory requirements to do so.
We will collect your consent prior to sending you any commercial electronic messages unless an exception under Canada’s Anti-Spam Legislation applies. You will have an opportunity to opt-out of receiving commercial electronic messages at any time. In connection with your use of the Site and Services, we may send you transaction and marketing communications, as described below.
Since our goal is to assist you in assessing your needs and get the most suitable mortgage for your needs, your personal information will be shared with our partners, our partner’s agents and lenders for the purposes of providing you with the use of our Services and the products & services you request from such third-parties.
We may also disclose your personal information to our affiliates and our employees, contractors, consultants, service providers and partners/ third parties who require this information to provide services to us or to you on our behalf. For example, and without limiting the foregoing, we may share personal information with the following third-parties:
Your personal information may be disclosed:
Since we may share your personal information with third parties, as described in this Privacy Policy, your personal information may be collected, used, processed, stored or disclosed outside your jurisdiction of residence, including in the United States. As such, your personal information may potentially be accessible to law enforcement and national security authorities of another jurisdiction.
By using our site and/ or providing your personal information to us, you consent to our disclosure of this information to our affiliates, employees, contractors, consultants, service providers and other third parties as described in this Privacy Policy, including those that may be located outside of your jurisdiction of residence, for the purposes of processing your personal information on our behalf, your behalf, providing services to us or to you, operating and hosting the Site and business and for the other purposes described in this Privacy Policy.
It is important to us that we collect, use or disclose your personal information only when we have your consent to do so. Depending on the sensitivity of the personal information, your consent may be implied, deemed (using an opt-out mechanism) or express. We may collect, use or disclose your personal information without your knowledge or consent where we are permitted or required to do so by applicable law or regulatory requirements.
Typically, we will seek your consent at the time that we collect your personal information. In certain circumstances, your consent may be obtained after collection but prior to our use or disclosure of your personal information. If we plan to use or disclose your personal information for a purpose not previously identified (either in this Privacy policy or separately), we will endeavor to advise you of that purpose before such use or disclosure.
You may change or withdraw your consent at any time, subject to legal or contractual obligations and reasonable notice, by contacting our Privacy Officer using the contact information set out below. All communications with respect to such withdrawal or variation of consent should be in writing and addressed to our Privacy Officer. If you withdraw or vary your consent, we may not be able to provide you with the communications and/or services you request through our Site. For example, if you would like to receive our newsletter, but are not willing to provide your email address, we will not be able to fulfill your request.
Unless you advise us otherwise, through the access and use of our Site, services and communications, you have consented to the collection, use and disclosure of your personal information as explained in this Privacy Policy.
We use reasonable physical, technical, and administrative security measures to protect personal information we collect from loss, misuse, unauthorized access, or improper disclosure. For example, we use encryption technologies when transmitting information to and from the Site and with our third-party service providers. Our Site is built on platforms that incorporate the latest encryption and security devices. Please understand that no security technology is completely secure, and remember that when communicating with us, email is not a secure form of communication when transmitting sensitive or personal information.
We will continue to evaluate and adopt new security tools as they become available. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
Loanvilla only keeps personal information for as long as necessary and for the purposes for which it was collected, or for as long as required to comply with any applicable legal obligation and its documents retention policies. The length of time personal information is kept varies according to the nature of the information, and it may extend beyond the end of the relationship between an Individual and Loanvilla. In some circumstances, we may anonymize your personal information (so that it can no longer be associated with you) for research or statistical purposes or other legitimate reasons, in which case we may use this information indefinitely without further notice to you.
You can ask to access the personal information that we have received from or possess about you. If you want to review, verify or correct your personal information, please contact our Privacy Officer. Please note that any such communication must be in writing.
When requesting access to your personal information, please note that we may request specific information from you to enable us to confirm your identity and right to access, as well as to search for and provide you with the personal information that we hold about you. We may charge you a fee to access your personal information; however, we will advise you of any fee in advance. If you require assistance in preparing your request, please contact our Privacy Officer.
Your right to access the personal information that we hold about you is not absolute. There are instances where applicable law or regulatory requirements allow or require us to refuse to provide some or all of the personal information that we hold about you. In addition, the personal information may have been destroyed, erased or made anonymous in accordance with our record retention obligations and practices. In the event that we cannot provide you with access to your personal information, we will endeavor to inform you of the reasons why, subject to any legal or regulatory restrictions.
We may request a testimonial from you to comment on our Services. You acknowledge and agree that we may use any personal information contained in the testimonial to display the testimonial on our Site, related online and digital platforms and in our promotional materials. For clarity, when you provide us with a testimonial through our Site or through a third party website, such as www.reviews.io and/or www.trustpilot.com, we may post it on our Site or in other materials and media, along the personal information that you have included in the testimonial. If you would like the testimonial removed, please contact us at privacy@Loanvilla.ca
Our Site may contain links to other websites that may be subject to less stringent privacy standards. These links are provided for your convenience only and you assume all risk for clicking these links to other websites. We cannot assume any responsibility for the privacy practices, policies or actions of the third parties that operate these websites. Loanvilla is not responsible for how such third parties collect, use or disclose your personal information. You should review the privacy policies of these websites before providing them with personal information.
Without limiting the generality of the foregoing, please note that certain lenders request that you submit an application through their website or electronic applications rather than through this Site. To the extent that you choose to submit any personal information through a lender’s website or other electronic application, Loanvilla is not responsible for the lender’s collection, use or disclosure of the personal information you submit to the lender. You should review the privacy policy applicable to the lender’s website or electronic application before providing your personal information to them.
It is important that the information contained in our records is both accurate and current. If your personal information happens to change during the course of our relationship, please keep us informed of such changes. While we make reasonable efforts to make sure your data is correct and complete, you may reach out to us to request changes. A written request is required that provides details regarding your identification and the correction being requested. We may not accommodate a request to change or delete information if we believe doing so would violate any law or legal requirement, or cause the information to be incorrect.
Any interpretation associated with this Privacy Policy will be made by our Privacy Officer. This Privacy Policy includes examples but is not intended to be restricted in its application to such examples; therefore, where the word “including” is used, it shall mean “including without limitation”.
This Privacy Policy does not create or confer upon any individual any rights, or impose upon Loanvilla any rights or obligations outside of, or in addition to, any rights or obligations imposed by Canada’s federal and provincial privacy laws, as applicable. Should there be, in a specific case, any inconsistency between this Privacy Policy and Canada’s federal and provincial privacy laws, as applicable, this Privacy Policy shall be interpreted, in respect of that case, to give effect to, and comply with, such privacy laws.
If you have questions regarding this Privacy Policy or would like additional information, you may contact our Privacy Officer by email at: privacy@Loanvilla.ca