This is the privacy policy (“Privacy Policy”), for the Web site available at www.urbanmoney.ca (the “Site”) made available by Square Yards Real Estate Inc, the legal owner of the Site and its affiliated companies (“SQUARE YARDS”, “we”, “us” or “our”). This Privacy Policy sets forth our policies regarding the collection, use and disclosure of certain information relating to your use of the Site. Your use of this Site signifies your understanding and acceptance of the terms of this Privacy Policy


The term 'You', 'Your' &'User' shall mean any legal person or entity accessing or using the services provided on this Website (urbanmoney.ca), who is competent to enter into binding contracts. The terms 'We', 'Us', 'Our' & 'Urban Money' shall mean the Website and/or the Company, as the context so requires.


Information collection & use :

We collect, use and disclose your personal information for a variety of reasons: (a) To identify you and to verify any information provide by you. (b) To assess your creditworthiness and eligibility for the products and services. (c) To recommend products and services to you (d) To present your mortgage application to various lenders and insurers for the purposes of securing and/or renewing a mortgage and/or related service. (e) To maintain our client relationship with you so we can serve you better.


Opting out option to users

You may withdraw your consent to receiving electronic communications from us at any time by following the opt-out instructions provided in each communication or by emailing us at [email protected]


If you have questions or concerns regarding this Privacy Policy or wish to exclude your personal information from our direct marketing purposes, please feel free to contact us at [email protected]


You can submit any request related to consent withdrawal or the removal of personal information from our database directly by emailing us at [email protected] Please allow up to 72 business hours for your consent withdrawal to be serviced in full


Access to personal information

You will have access to your personal information and you may request us to make changes in the information by emailing us at [email protected] and such information will be amended as appropriate.


Cookies are small text files stored on a user’s hard drive containing a unique identification number used to identify your computer. Cookies are used on most websites and do not save any personal information. Browsers will automatically accept or reject cookies or notify you each time a cookie is set by a website you visit. This website uses cookies to optimize our website to improve user experience.

Disclosure

(a) You understand that Urban Money maintains its own file containing your personal information. (b) Your file will be kept physically at the office of your mortgage advisor with Urban Money until a loan/mortgage is funded, after which, it is scanned and sent to an Urban Money corporate or licensed office for compliance review and then electronically stored on the secure Urban Money computer systems. Your file will also be subject to the privacy policy of the lender that funds your mortgage review and storage, and electronically on Urban Money computer systems. (c) While at Urban Money the access to your file is restricted to personnel on a need-to-know basis. Our personnel are committed to safeguard the confidentiality of your personal information. We have systems in place which safeguards your personal information and prevents unauthorized access. (d) Other than as provided under this policy we do not share your personal information without your authorization or when permitted or required by law.


Links to third party websites

The website may provide links to other websites or resources over which we do not have control ("External Websites"). Such links do not constitute an endorsement by Urban Money of those external websites. You acknowledge that Urban Money is providing these links to you only as a convenience, and further agree that Urban Money is not responsible for the content of such External Websites. Your use of external websites is subject to the terms of use and privacy policies located on the linked to those sites.


Policy Updates

Urban Money reserves the right to change its privacy policy at any time. For the most up to date version, please visit urbanmoney.ca.


Security

We may employ procedural and technological security measures that are reasonably designed to help protect your personally identifiable information from loss, unauthorized access, disclosure, alteration, or destruction.


Consent

When you provide your personal information through the Urban Money website, you are consenting, acknowledging and agreeing to the disclosure of your personal information with potential providers of loans (and different products & services), credit ratings providers and other lead providers (companies/persons who help connect potential borrowers and lenders).  If you do not provide this information, Urban Money will not be able to provide your contact information and other details to those potential lenders and lead providers.   By entering your e-mail address or phone number, or other contact details in our online application, partially completing an online form, or by clicking the privacy checkbox in the application form, you consent to Urban Money and/or our other partners contacting you by phone, mail, text message or e-mail to: (a)Send you promotional offers, including third party offers; (b)Assist you in completing your online application; (c)Confirm and verify your personal information and identity; and (d)Determine why you have failed to complete the application form (for example, if there were technical or other issues).


Contact us

If you have questions or complaints regarding our privacy policy or practices, you may contact our privacy compliance officer by the following ways: (a) By email at office @urbanmoney.ca (b) By Calling at 1-855-755-0888