Consumers Choice Mortgages Inc.

CODE OF ETHICS & PRIVACY POLICY STATEMENTS

General
Consumers Choice Mortgages Inc. endeavours to conduct all activities with honesty, integrity and professionalism in accordance with the highest moral and ethical standards. In this respect, we adhere to the following authorities:

• Mortgage Brokers Association of British Columbia (MBABC) Code of Ethics
  
• Mortgage Brokers Act of British Columbia
  
• Business Practices and Consumer Protection Act (BPCPA)
• Personal Information Protection Act of British Columbia
• Canadian Anti-Spam Legislation (CASL) and Regulations

Privacy and Protection of Personal Information

General Principles:

• Consumers Choice Mortgages Inc. is responsible for the protection of personal information and the fair handling of it at all times, throughout the organization and in dealings with third parties.
• Care in collecting, using and disclosing personal information is essential to continued consumer confidence and good will.
• All members of Consumers Choice Mortgages Inc. must obtain an individual's consent when they collect, use or disclose the individual's personal information.
• The individual has a right to access personal information held by Consumers Choice Mortgages Inc. and to challenge its accuracy, if need be.
• Personal information can only be used for the purposes for which it was collected. If there is a desire to use it for another purpose (eg. future marketing, etc.), consent must be obtained again.
• Individuals should also be assured that their information will be protected by specific safeguards, including measures such as locked cabinets, computer passwords or encryption.

Personal Information
Personal information includes any factual or subjective information, recorded or not, about an identifiable individual. This includes information in any form, such as: age, name, ID numbers, income, debts, credit status, opinions, evaluations, comments, social status, or disciplinary actions, employee files, credit records, loan records, medical records, existence of a dispute between a consumer and a merchant, intentions (for example, to acquire goods or services, or change jobs). Personal information does not include the name, title, business address or telephone number of an employee of an organization.

Consent
Consent is voluntary agreement with what is being done or proposed. Consent can be either express or implied. Express consent is given explicitly, either orally or in writing. Express consent is unequivocal and does not require any inference on the part of the organization seeking consent. Implied consent arises where consent may reasonably be inferred from the action or inaction of the individual.

Use and Disclosure of Personal Information
Use refers to the handling of personal information within an organization and disclosure is making personal information available to others outside the organization.

All information provided to Consumers Choice Mortgages Inc., either on this website or through any other means of communication, is held to be confidential and may be released to other credit grantors as deemed necessary for the purpose of securing mortgage financing.

Consumers Choice Mortgages Inc. has taken extensive measures to ensure the confidentiality of your information and prevent unauthorized access or disclosure.

Consumer Disclosure
We strongly support the concept of an informed consumer. It is our goal and duty to completely disclose all facets of a proposed transaction to consumers while providing them an opportunity to make an educated, informed and unhurried decision. Therefore we shall provide written disclosure to the consumer of all fees payable by the consumer to the mortgage broker and/or lender.

Conflict of Interest
All direct or indirect interests in a mortgage transaction shall be disclosed to the borrower.

Acceptance of These Terms
By using this site, or by submitting personal information to us, you signify your agreement to Consumers Choice Mortgages Inc.'s Privacy Policy. These policies are in effect as of January 8, 2015. Consumers Choice Mortgages Inc. reserves the right to change this policy statement at any time by posting the revised policy on this website. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

If you have any further questions or concerns, or to request a full copy of Consumers Choice Mortgages Inc. Privacy and Protection of Personal Information policies, please contact:

Karl Madsen 

• by telephone at 604-290-1219
• or in writing c/o Consumers Choice Mortgages Inc., Unit 202, 15388 – 24th Avenue | Surrey, BC V4A 2J2