Privacy and confidentiality

We Respect Your Privacy

We require personal information in order to obtain mortgage financing for our customers. We are concerned with protecting your privacy, and as such we have a Corporate Privacy Policy that all Multi-Prêts employees, mortgage professionals, and franchisees must adhere to.

Multi-Prets Privacy Disclosure

Your privacy is important to us. Multi-Prêts and its parent company MAC/MPH Group (hereafter referred to as “Multi-Prets”) have created this Privacy Policy to  inform you of what information we collect when you visit our site, why we collect it and how it is used.

Our Privacy Policy only applies to multi-prets.com web pages.

Information Collection & Use

Geolocation

Along with other commercial websites, multi-prets.com narrows down your geographic location using your IP address. We also use cookies to understand which parts of our websites you are and are not visiting. We do not use cookies to store your personal information.

Registration

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.

Application Forms

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

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.

Surveys

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.

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.

Lyne Deslippe
14, Place du Commerce, Suite 600
Ile-des-Soeurs, Québec H3E 1T5
514 287-8770

Legal Disclaimer

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.

Log Files

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.

Security

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

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

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.

Contact us

If you have any questions or suggestions regarding our privacy policy, please contact us: