Privacy and confidentiality
We Respect Your Privacy
Multi-Prets Privacy Disclosure
Information Collection & Use
In order to receive electronic communications, you must first complete a registration form. During registration you are required to give contact information (such as name and email address). If you wish to subscribe to our electronic communications, we will use your name and email address to send communications to you. Out of respect for your privacy, we provide you a way to unsubscribe.
Multi-Prets is the owner of the information collected on www.multi-prets.com. Multi-Prets collects personally identifiable information from our users at several different points on our website.
The rules governing our online application forms reflect the highest standards of the banking industry and comply with the Act Respecting the Protection of Personal Information in the Private Sector.
If you apply for a mortgage on our site, we require that you provide certain personally identifiable information, including your name, address, phone number, email, and current employment information. This information is necessary to process your application or request and to contact you. We do not require your social insurance number to accept an online application; however, you may choose to provide that information via the online application to expedite the servicing of your mortgage application.
By submitting an application, you warrant and confirm that the information given in the mortgage application form is true and correct and that you understand that it is being used to determine your credit responsibility. You give us authorization to obtain any information we may require for these purposes from other sources (including, for example, credit bureau) and each such source is authorized to provide us with such information. The information given in the mortgage application form as well as other information we obtain in relation to your credit history may be disclosed to potential mortgage lenders, financial intermediary and mortgage insurers, organizations providing technology or other support services required in relation to the application and any other parties with whom you propose to have a financial relationship.
Simulators and personal information
Multi-prets.com offers you the opportunity to use simulators. These simulators are designed to collect information about you or your financial situation. The details are then used to establish your type of profile with a view to helping you choose the most suitable product and rate for your particular needs. Such information will not be used for any other purpose.
Cookies are used with multi-prets.com. They identify your browser software when you move from site to site or page to page during a Web session. This information can then be used to facilitate your access to a site and your ability to navigate within the site. Cookies can only be read by the Web site that sends them to your computer.
From time-to-time this site may provide you the opportunity to participate in a customer satisfaction survey. If you participate, we will request certain personally identifiable information from you. Participation in such surveys is completely voluntary and you therefore have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and address).
We use this information to measure our overall service levels and as resource to gather information regarding concerns our customers may have. You may be contacted if we feel the comments you express warrant further investigation.
We use a third party service provider to conduct these surveys or contests; that company is prohibited from using Personally Identifiable Information for any secondary reasons. We will not share the personally identifiable information you provide through a survey with other third parties unless we give you prior notice and choice.
Aggregate Information (non-personally identifiable)
We may share aggregated demographic information about our user base with our partners. This information does not identify individual users, and is only used to provide our partners a better understanding of the general demographic profile of users of our site. We do not link aggregate user data with personally identifiable information.
Personally identifiable information
We share personally identifiable information with third parties only when you have given express permission to do so by completing and submitting an online application. Please see Application Forms under the Information Collection & Use section.
Third Party Advertising
We may use third-party advertising companies to collect data and/or serve ads when you visit our Web site. These companies may use information but not personal informational (your name, address, email address or telephone number) about your visits to this and other web sites in order to provide advertisements about goods and services of interest to you. These companies may also use non-cookie technologies to recognize your computer or device and/or to collect and record information about your web surfing activity including your activities on or off this Web site. Please keep in mind that your web browser may not permit you to block the use of these non-cookie technologies, and those browser settings that block cookies may have no effect on such techniques. If you would like more information about this practice and to know your choices about not having this information used by these companies, visit http://networkadvertising.org/.
Who do I contact if I have an issue to be resolved?
Written issues are to be referred to agency executive officers and responded to in writing.
14, Place du Commerce, Suite 600
Ile-des-Soeurs, Québec H3E 1T5
We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our website.
As is true of most websites, we gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.
We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.
We do not link this automatically-collected data to personally identifiable information.
Links to Other Sites
This website contains links to other sites that are not owned or controlled by Multi-Prêts. Please be aware that we, Multi-Prêts, are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our site and to read the privacy statements of each and every website that collects personally identifiable information. This privacy statement applies only to information collected by this website.
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.
Changes in this Privacy Statement
We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here or by means of a notice on our home page.