Blink Mortgage

Privacy Policy

Last Updated: April 11, 2019.

Blink Mortgage (“Blink” or “we”, “us” or “our”, as context dictates) provides this website (along with all subdomains, this “Website”) to provide information about our company and allow access to our products and services. This Privacy Policy sets out our approach to any data that is collected upon the use of this Website by a user and which may be used to personally identify such user (“Personal Information”).

We are committed to providing you with exceptional service and preserving the privacy of all individuals who use our Website. This Privacy Policy is designed to help you understand how your Personal Information is collected, used, and disclosed when you engage with us on this Website. Before registering, submitting any content or Personal Information, or otherwise using our Website, please make sure that you read this Privacy Policy in its entirety as well as our Terms of Service (together with our Privacy Policy, “our Terms”).

Please keep in mind that in the course of engaging with us, you may use a third party’s intellectual property, tools, or resources, or click on links to third party websites, in which case such third party’s privacy policy may also apply to you. We encourage you to read and review each privacy policy that applies to you as our Privacy Policy terms may differ from the terms contained in third parties’ privacy policies. We do not endorse or in any way guarantee performance or accept liabilities with respect to such third parties.

If you have any objections to the terms in this Privacy Policy, you should not use this Website or provide us with any of your Personal Information. If you have any hesitations or are unsure about any of the terms, contact us at hi@blinkmortgage.ca or 866-243-3102.

PART A – COLLECTION OF PERSONAL INFORMATION


We may collect the Personal Information you disclose to us through your use of the Website as well as other information as set out below.

1. Information you Provide
Your voluntary disclosure of Personal Information may include, but is not limited to:


(a) basic personal information, including your name, contact information, marital status, living history, and income level;


(b) information, including passwords and other details about your subscriptions to third party sites, which may include social media sites;


(c) information about third parties who may be your beneficiaries or estate managers;


(d) information required to complete your mortgage application, including your credit history, desired mortgage goal, medical information, property, subject property, assets, education, employment information and social insurance numbers;


(e) information collected in a dispute resolution if applicable;


(f) information you provide when you engage with the Website for various purposes, including account openings, registration or submission of other information to us; and


(g) any feedback you provide regarding our products and services.


Collection of this Personal Information is necessary for us in order to execute upon your preferences.

2. Automatic Information

During your interaction with the Website, we may collect and store anonymous information (“Automatic Information”) about you as you engage with our Website and services. This information may be collected using various technologies including, without limitation, “Cookies” (meaning alphanumeric identifiers that are stored on your device with which you access our Services), Internet tags and navigational data. Some of this information is automatically transmitted to us through your browser, such as the URL that you just visited, the browser version that your computer uses, the pages of our website that you visit, the time spent on each page, the time and date of you visit and other statistics.


Please note that if your browser is not set to allow cookies, you may not have access to all areas or features of our Services.


In addition, we may use third party services such as Google Analytics and Intercom that collect, monitor and analyze this type of information in order to increase our Services’ functionality. These third party service providers have their own privacy policies addressing how they use this information. We encourage you to read and review these third parties’ privacy policies


PART B – USE OF YOUR INFORMATION

To accomplish any of the purposes listed below, we may combine Personal Information and Automatic Information, and non-personal information collected through your use of our Services. This information may be used in a variety of ways which are in keeping with the intent behind the collection of information. Some examples of said use may include:


(a) to connect you to members of our team;


(b) to enforce our Terms;


(c) to provide Mortgage planning advice;


(d) to complete and track your Mortgage application;


(e) to prevent, detect and investigate potentially prohibited or illegal activities, fraud and security breaches;


(f) to collect data on our Services;


(g) to improve our Services;


(h) to contact you for the purpose of marketing, promotional offers, updates and any other purpose set out in our Privacy Policy and as permitted by the preferences you have indicated;


(i) to personalize your experience while using our Services; and


(j) to provide you with any additional information you may request.


For the purposes of administering your Mortgage application, we will share your personal information with the appropriate third party Lending Institution and/or Mortgage Broker. To provide a bit more context on how information is processed by Blink Mortgage, please refer to the diagram below:

infographic explaining the corporate structure of Blink Mortgage, Finmo, and their interactions in the mortgage Process


Except as set forth above, your Personal Information will not be provided to any other Users of our Services.

1. Automatic Information
We may aggregate, evaluate and use Automatic Information in order to help improve our Services. We may use cookies, IP addresses or other Automatic Information to analyze trends, administer our Services, track your website navigation and gather broad demographic information. Automatic Information will not be published or made public through our Services.


We also reserve the right to use Personal Information and Automatic Information as set forth in our Terms, if applicable.


2. Behavioural Remarketing
Blink Mortgage uses remarketing services to advertise on third party websites to you after you have visited our Services. We, and our third party vendors, use Cookies to inform, optimize and serve ads based on your past visits to our Services. In certain circumstances, your implied consent to our accessing, using or disclosing your Personal Information is provided if you do not instruct your web browser to refuse all Cookies or to indicate when a Cookie is sent or if you do not opt out of Google Analytics or other similar services, as indicated below.


(a) Google Inc. (“Google”). Google AdWords is a remarketing service provided by Google. You may opt-out of Google Analytics for Display Advertising and customize Google’s Display Network ads by visiting Google’s Ads Setting page. Google also recommends installing the Google Analytics Opt-Out Browser Add-On. This service provided by Google allows visitors to prevent their data from being collected and used by Google Analytics.


(b) Facebook, Inc. (“Facebook”). We may use Facebook’s advertising services from time to time. You can opt-out of interest-based advertising from Facebook by visiting their website.


PART C – DISCLOSURE OF YOUR INFORMATION


1. To Help with Business Operations

We may disclose your information to our representatives, affiliates, suppliers or other third parties with which we do business (our “Business Partners”) when it is deemed necessary for our business operations.


From time to time, we may engage companies or individuals for certain services on our behalf including, without limitation, conducting audits, performing legal services, processing credit card payments, collecting feedback, and providing customer service. Our Business Partners and any other third-party service providers will only have incidental access to Personal Information to the extent required to perform their services. They are prohibited from the use of your Personal Information for any purpose other than assisting with our business operations.


2. Safety and Security
We may disclose your Personal Information as necessary to protect the safety or security of Users of our Services, to detect and prevent fraud or abusive behaviour, or when otherwise required or permitted by law.


3. Transfer or Sale
In the event that we sell, transfer or otherwise dispose of our business to an affiliate, successor, assign or other third party entity, we may disclose Personal Information. However in the event that such a Transaction occurs, any customer information will remain subject to the terms of any pre-existing Privacy Policy.


4. Legal Requirement

We may disclose your Personal Information, if required, to:


(a) tax authorities, supervisory authorities, police and other regulatory authorities as required by Law or in response to a subpoena, court order, or other legally valid inquiry or order;


(b) owners of intellectual property rights or such party’s representatives who may be considered, in good faith by such owner, to have had their owner’s rights violated by user of our Website and services, provided however, that the owner will be required to enter into an agreement to limit the use of the personal information provided only for purposes of the possible violation of an intellectual property right; and


(c) either prevent or minimize a criminal offense or to protect a person’s rights and personal and or financial health.

5. Consent
In addition to permissions already granted under this Privacy Policy by you, we may provide, disclose or transfer your Personal Information with your consent provided either as a part of the services you receive from us or in writing by you otherwise.


For the purposes of administering and tracking your Mortgage Application, we will share your personal information with the appropriate third party Lending Institution. Please note that if the Lending Institution requires additional consents, you will provide those consents directly to the Lending Institution.


PART D – PROTECTING, RETAINING AND STORING YOUR PERSONAL INFORMATION


  1. Protection: In order to help prevent unauthorized access to, maintain data accuracy and ensure the correct use of your information, we have put in place commercially reasonable physical, electronic and managerial procedures to safeguard and secure the information we collect through our Website. That said, we cannot guarantee that information provided to us through our Website will remain private, or that the information you transmit to us over the Internet will not be intercepted.
  2. Storage: Your information is currently stored in Canada as well other jurisdictions in which our Website and services’ technology platform resides. However, we retain the right to transfer your information to an affiliate or third party to protect the information or for internal business reasons as we see fit. BY AGREEING TO THIS PRIVACY POLICY, YOU AGREE AND CONSENT TO US DOING SO WITHOUT YOUR FURTHER CONSENT.
  3. Identification: To help prevent unauthorized access to your Personal Information you are responsible for keeping the username and password (collectively, “ID”) that you receive upon registration with our Services private and confidential. You are solely responsible for preventing the unauthorized use of your ID. If you suspect that your information has been compromised or that your account has been accessed without your consent, please contact us immediately at hi@blinkmortgage.ca or 866-243-3102.
  4. Retention: We store your Personal Information for up to seven (7) years from the date of collecting such Personal Information (as required under applicable law), or until your service access is terminated, whichever period may be longer. We will use commercially reasonable efforts to delete your Personal Information and any other information you may have provided to us in a reasonable time frame.


PART E – ELECTRONIC COMMUNICATIONS


Should you submit an inquiry through our Website, or otherwise communicate with us electronically, you consent to us responding to such inquiries electronically. We cannot guarantee that information that we send to or receive from you over the Internet will not be intercepted.


PART F – ACCESSING AND MODIFYING YOUR PERSONAL AND ACCOUNT INFORMATION


We want to ensure your Personal Information is accurate and up to date. If you notice any inaccuracies, please let us know. You can also access and modify your personal and account information using the tools provided in our Website. We will not modify your personal or account information.


At any time, you may request access to your Personal Information by contacting hi@blinkmortgage.ca or 866-243-3102. We will respond to your request within a reasonable time period, and process it as appropriate under applicable law. Your request may be subject to a processing fee as allowed under law.


PART G – CHANGES TO THIS PRIVACY POLICY


We reserve the right to change this Privacy Policy, and any other policies and procedures concerning our practices for managing Personal Information, at any time without prior notice to you. If this Privacy Policy is modified, we will post the most current version to our Website blinkmortgage.ca. We will also post a notice of the change on any applications for four (4) weeks after any changes are made. At the top of the modified Privacy Policy we will include the date upon which it was last updated. Any changes that are made to this Privacy Policy will apply to both Personal Information that we hold prior to the effective date of the amended Privacy Policy and to any Personal Information collected on or after such effective date. Our successors and assigns may collect and use your Personal Information for substantially similar purposes as described in this Privacy Policy.


PART H – HOW TO CONTACT US


Any questions, comments or concerns relating to this Privacy Policy, and any requests to correct or access Personal Data collected during your use of the Services, should be directed to hi@blinkmortgage.ca or 866-243-3102

ATTN: PRIVACY OFFICER

Email: privacy@blinkmortgage.ca