Privacy policy.
Planiprêt mortgage brokerage firm (“ Planiprêt ”, “ we ” or “ our ”) is committed to protecting your privacy and your personal information. This Privacy Policy is intended to inform you of our privacy practices and the protection of your personal information, including how we collect, use and disclose your personal information.
This privacy policy applies to our website https://www.planipret.com and all of our activities (together, the " Site "), unless we have provided you with a separate privacy policy for a product, particular service or activity.
Please read this privacy policy carefully. By submitting your personal information to us, registering or using any of the services we offer, using our Site or voluntarily interacting with us, you consent to the collection, use and disclosure of your personal information in accordance to this Privacy Policy, as revised from time to time. Our Privacy Policy sets out our standards for collecting, using, disclosing and storing your personal information.
WHAT DOES THIS PRIVACY POLICY CONTAIN?
Your consent to collection, use and disclosure
The personal information we collect
How do we use your personal information?
How do we share your personal information?
Unsubscribe from Communications
Retention of Personal Information Information
Security
Accessing and Updating Your Personal Information
International Transfer and Storage of Information
Third Party Websites and Services
Information for Children
Updates
Contact Us
Your Consent to Collection, Use and Disclosure
Planiprêt collects, uses, communicates and saves the personal information that you communicate to it with your consent.
Planiprêt may collect, use, disclose and save any information that you enter on the Planiprêt website or its customer portal, or provide to Planiprêt in any offline contact that Planiprêt may have with you, with your consent or as the law permits or requires. How we obtain your consent (i.e. the form we use) depends on the circumstances and the sensitivity of the information collected. Except where the law requires a specific form of consent, your consent may be express or implied, depending on the circumstances and the sensitivity of the personal information in question. If you choose to provide us with personal information, we assume that you consent to the collection, to the use and disclosure of your personal information as set out in this Privacy Policy. As a general rule, we will ask for your consent at the time of the collection of your personal information when signing the Planiprêt consent.
Where we wish to use your personal information for a purpose that was not disclosed to you at the time of collection, we will seek your consent before using that information for that new purpose, for example through our third party product program. You may at any time withdraw your consent to the collection, use or disclosure of your personal information by contacting us using the contact details provided in the “Contact Us” section below. However, before implementing the withdrawal of your consent, we may require proof of your identity. In some cases, withdrawing your consent may mean that we will no longer be able to provide certain products or services. If you provide us with personal information about another person,
The personal information we collect
When you visit our site or our customer portal, we collect a certain amount of personal information about you or your customers.
The personal information we collect generally falls into one or more of the following categories:
On the site https://www.planipret.com/fr, we may collect information about you or your activities, more specifically:
Forms "request for quotes" and "our contact details: we collect your name, your email address, your telephone number and any other information that you provide to us in your message.
Subscription to our newsletter: we may collect your first name, last name and email address.
Careers: we collect your surname, your first name, your email address, as well as any other information that you communicate to us either via an unsolicited application or when you apply for an offer.
On 'the customer access customer portal. we collect in particular:
The personal information necessary to open an account or to prepare a loan secured by immovable mortgage: your name, address, telephone numbers, date of birth, your civil status, social insurance number, your citizenship and the number of dependents.
The personal information we hold includes all information provided for each application as well as credit information obtained from the customer or with their consent.
All documents necessary to comply with the legislation on money laundering and terrorism.
The information necessary to comply with the various securities laws: banking information, your occupation and the name of your employer, your annual income, your net assets, your level of investment knowledge, your investment objectives, your level of risk tolerance and your investment horizon.
Any other information deemed relevant to enable us to offer you products and services that meet your needs and expectations.
Like most sites and other online services, we may collect certain technical and device-related information about your use of our services. This information may include your unique device identifier, information about your device, browser and operating system, and the date and time of your use of our site.
- Our site may use cookies or similar technologies such as beacons or pixels to offer you a richer browsing experience, improve its performance and generate audience statistics . These are files that are installed on your computer's hard drive or browser to collect information such as your preferred language, browsing history, type and version of browser you are using. They serve to optimize your experience. You can instruct your browser to refuse all cookies or to notify you when a cookie is being sent. Each browser provides instructions to this effect in its settings.
We use analytics tools, including user experience, and other Google Analytics technologies to automatically collect non-personal usage information.
We use Google Analytics to understand how users use our services. Google Analytics transmits to Google the anonymous information generated by cookies about the use of the site. This information is then processed to compile statistical reports about activity on our site only. These reports are used to analyze traffic, to establish its future direction, including any required upgrades. You can disable the sending of your anonymous activity data to Google Analytics by installing the browser add-on provided for this purpose at the following address: https://tools.google.com/dlpage/gaoptout?hl=fr. Google Analytics may communicate anonymous data to Google services, which may use this data to contextualize and personalize ads from its own advertising network. We reserve the right to make statistical analyzes using data collected from our site on an anonymous and cumulative basis for the purpose of measuring interest in our services. We may provide such anonymous, aggregated data analytics to a third party.
- Other interactions. For people who interact with us, whether in person, by phone or email, through social media or otherwise, including people who may be interested, we may collect any information you give us. .
How do we use your personal information?
We use your personal information to provide and improve our services to you. We also use them to meet our legal obligations.
We may use your personal information and other information to:
communicate with you to comply with laws applicable to our products and services
monitor, improve and develop our services.
analyze the needs and activities of our customers in order to help us serve them better
conduct research and analysis relating to our business, products and services
respond to inquiries and other requests
provide you with information that may be of interest to you, in particular regarding our products and services
fight fraud and investigate legal claims
meet our legal obligations
We may use your personal information and other information for purposes for which we have obtained your consent, and for other purposes as permitted or required by law.
We do not use the information we collect to advertise third party products and services or targeted advertising for Planiprêt products and services on third party sites or service offerings.
How do we share your personal information?
It is your strictest right to have access to the personal and confidential information that we hold about you. You may also request to change and/or modify the information we hold about you by sending us a written request to: Planiprêt Cabinet en Courtage Hypothécaire, 425 avenue Mathers, Bureau 102, Saint-Eustache, Quebec, J7P 4C1 . We promise to respond to you as soon as possible.
When we provide your personal information to our service providers or partners, we take steps to ensure that the rules set out in this privacy policy are followed and require the service providers to keep your personal information confidential and secure. We also require that they only use your personal information for the purposes for which it was provided.
When our service providers no longer need your personal information for these limited purposes, we require that they destroy it. In certain circumstances, we may allow our service providers to retain aggregated, anonymous or statistical information that does not identify you.
We do not allow service providers to share your personal information with unauthorized parties or use your personal information for direct marketing purposes. Below is a list of our third party service providers who may process your personal information (with links to their privacy policies):
Finastra, for the preparation of your mortgage loan. To learn more about their privacy policy, click here
Twillio, to get a 2FA code- To learn more about their privacy policy, click here
Nylas to synchronize email communications to our CRM Maestro- To learn more about their privacy policy, click here
In addition, we may use and disclose your personal information when we believe that such use or disclosure is authorized, necessary or appropriate in the following cases:
under applicable law, including laws outside your country of residence
to comply with legal process
to respond to requests from public and government authorities, including public and government authorities outside your country of residence
to enforce the terms of agreements relating to our products and services
to protect our business or that of our affiliates or subsidiaries
to protect our rights, privacy, safety or property, and/or that of our affiliates, you or others
to allow us to pursue available remedies or limit the damages we may sustain
Additionally, we may transfer your personal information and other information to a third party in the event of a reorganization, merger, sale, joint venture, assignment, transfer or other disposition of all or a portion of our business, brands, affiliates, subsidiaries or other assets. .
If we intend to disclose your personal information to a third party, we will identify that third party and the reason for the disclosure, and obtain your consent.
Unsubscribe from communications
We may send you marketing emails. If you no longer wish to receive marketing emails from us, you can opt out of receiving marketing emails by clicking the "unsubscribe" link at the bottom of each email you receive from us. You can also unsubscribe by contacting us directly using the contact details in the “ Contact Us ” section below.
We will endeavor to respond to your unsubscribe request promptly, but we ask that you allow us a reasonable amount of time to process your request. Please note that if you opt out of receiving marketing emails, we may send you communications relating to your use of our products or services, or other matters.
Retention of personal information
We will only use, disclose or retain your personal information for as long as necessary to fulfill the purposes for which the personal information was collected and as permitted or required by law.
If you would like further information about the periods for which your personal information will be retained, please contact us using the contact details set out in the “ Contact Us ” section below.
Information security
We have implemented physical, organizational, contractual and technological security measures to protect your personal information and other information against loss or theft, unauthorized access, disclosure, copying, use or modification. . We have taken steps to ensure that the only staff authorized to access your personal information are those whose duties reasonably require them to have access to it.
Despite the measures described above, no method of transmission or storage of information is 100% secure or error-free. Thus, we unfortunately cannot guarantee absolute security. If you have reason to believe that your interaction with us is no longer secure (for example, if you believe that the security of any information you have provided to us has been compromised), please contact us immediately using the contact details in the " Contact Us " section below.
Rights in relation to your personal information
You have the right to access and rectify your personal information.
We will take the necessary steps to ensure that your personal information is accurate, complete and up-to-date. We will not routinely update your personal information unless such a process is necessary. We expect you to provide us, from time to time, with updates to your personal information, when necessary.
You may request in writing to see what personal information we collect, use or disclose about you, and we will provide that personal information to you as permitted by law. You may also challenge the accuracy or completeness of personal information about you. If you are able to demonstrate that the personal information we hold about you is inaccurate or incomplete, we will modify it according to your instructions.
In addition, in certain circumstances, you have the following rights:
The withdrawal of your consent. You may withdraw your consent to the communication or use of the personal information collected at any time.
In some cases, you may request that the personal information held about you be withdrawn
In some cases, you may request information about the use of any automated decision-making system and the impact it may have on you.
International and Interprovincial Transfer and Storage of Personal Information
Your personal information is currently hosted in Canada.
In some cases, personal information about you may be hosted and processed in any country or use third party service providers, including in the United States. Our service providers may transfer certain personal information about you to countries other than your country of residence, which may have different privacy policies than your country. If this information is located outside your country of residence, it is subject to the laws of the country in which it is located and may be disclosed to the governments, courts or agencies responsible for enforcing a law or regulation of that other country. . Nevertheless,
Third Party Sites and Services
This Privacy Policy applies only to our products and services. It does not extend to sites or products or services provided by third parties. We are not responsible for the privacy practices of these third parties and encourage you to review their privacy policies before using their sites, products or services.
Update
Planiprêt reserves the right to modify the confidentiality policy at any time by notifying the Internet user of the existence of new conditions of use and confidentiality policy. Unless specifically stated, these changes, modifications, additions or repeals will take effect as soon as we send the notice by posting it on our site or by any other means of communication. We assume that if you continue to use our services after the transmission of this notice, you have read the new modified terms of use and privacy policy; and (b) agreeing to be bound by and abide by them.
contact us
If you have any questions about this Privacy Policy or Planiprêt's privacy practices, please contact our Privacy Officer
at: conformite@planipret.com