ALL ABOUT MORTGAGES, INC. (AAM) ensure every attempt is made to provide accuracy of our website, the mortgage information should only be used for a guideline and ALL ABOUT MORTGAGES, INC. should be contacted directly to address any question &/or all concerns. AAM always recommends that you consult a mortgage broker before making any decisions.

Your Privacy is Protected

At All About Mortgages, Inc. (AAM) an important part of our commitment to provide you with service excellence is our respect for your right to privacy.

Keeping our customers' information and affairs in strict confidence is very important to AAM. The range of products and services we offer our customers continue to expand, and the technology we use continues to change. But, no matter how our business changes, we'll always protect your privacy. Our policies and procedures, which we practice in order to protect your privacy, are in place.

In the following we describe our policies and procedures and how we put them into practice so that you have control over how we collect, use and disclose your information.

Protecting your Privacy means:

  • We keep your information and the business you do with us in strict confidence
  • Your information is not sold
  • You have control over how we obtain, use, and give out information about you
  • You have access to the information we have about you
  • We respect your privacy when we market our products and services

Our Privacy Policies all of our customers

When you first become an AAM customer and whenever you apply for more products and services, we let you know that:

  • Besides your name, address and telephone number, we need information to:
  • Establish your identification
  • Protect you and us from error and fraud
  • Understand your needs and eligibility for products and services
  • Recommend particular products and services to meet your needs
  • Provide ongoing service
  • Comply with legal requirements
  • We will verify some of the information you give us with your employer or your references
  • We may offer other products that are suitable to you

Certain information, such as a driver's license, although convenient for identification, is voluntary. It is up to you whether you want to provide those or some other suitable identification, subject to any legal requirements.

We collect, use and disclose personal information only for purposes that a reasonable person would consider appropriate in the circumstances.

Your Information is Obtained or Used Only With Your Consent

We obtain your consent before we:

  • Check your employment
  • Obtain a credit report
  • Offer you other products and services
  • Send you information about products and services by means of direct marketing
  • Obtain, use or disclose to other persons, information about you unless we are obliged to do so by law or to protect our interests
  • Use your information in any way we didn't tell you about previously

We Ask for Your Consent Before Using Your Social Insurance Number

When we obtain a credit report and update your information with a credit bureau, your Social Insurance Number (SIN) is the best way to make sure that the information actually refers to you. Wrong information can lead us into making wrong conclusions about you. You should be aware, though, that using your SIN this way is voluntary for you. If you choose not to give us your SIN this by itself will not prevent you from getting credit or any other service.

Your Consent Can Be Express or Implied

Express consent can be verbal or written. For example, when you sign a credit application you are giving your written consent for us to obtain a credit report.

You imply consent when we can reasonably conclude that you've given consent by some action you've taken, or when you decide not to take action… If we give you an opportunity to tell us you don't want direct marketing material and you don't tell us that you don't want us to send it, we can conclude that you have no objection.

We will rely on your implied consent to use and disclose identifying information about you, such as your name and address.

You Can Withdraw Your Consent After You've Given It

You can withdraw your consent any time after you've given it to us, provided there are no legal requirements to prevent this. If you don't consent to certain uses of information, or if you withdraw your consent, we may not be able to provide you with a particular product or service. If so, we'll explain the situation to you to help you with your decision.

We Ask for Your Consent Before Sharing Information With Other People

We don't share information about you to anyone outside the AAM group without your consent. For example, we give information to a credit bureau (Equifax, Trans Union) only with your consent.

There are some exceptions to the above rules. For example, we may collect, use or disclose information without your consent if we:

  • use an outside company to process information
    At times, we may use the expertise of an outside company to do work for us involving some of your information. When we do, we select the company carefully and confirm that it uses security standards comparable to those of AAM.
  • must disclose information for legal reasons
    We may be compelled to release information by a court of law, or other legal or regulatory authority. If so, our policy is to release information only to the extent that we have to.
  • have to protect the interests of AAM
    In certain circumstances, AAM may have to collect, use or release information for its protection as required by law.

We Protect Your Information From Error, Loss and Unauthorized Access

Our employees who have access to your information are made aware of how to keep it confidential. Each employee must sign an agreement stating that maintaining confidentiality is a condition of employment with AAM. Our computer security specialists build security into all our computer systems. This protects your information at all times, when it is stored in data files or handled by our employees. Our systems also protect your information when it is transmitted, for example, between our data processing lenders and company offices.

Your Information is Destroyed When It Is No Longer Needed

We keep your information only so long as we need it for the products and services you're using, to offer you products and services when you are a customer and for a reasonable time thereafter, or to meet any legal requirements. We have retention standards, which meet these requirements. We destroy your information when it is no longer needed, or we remove your name from the information. We are required by our governing body RECA (Real Estate Council of Alberta) to maintain our files for a period of five (5) consecutive years.

You Can See and Verify the Accuracy of Your Information

You can check your information to verify, update and correct it, and to have any obsolete information removed. We may ask you to pout your request in writing. If we have obtained information about you from other people, upon your request, we'll let you know the person we got it from.

We Respond to Your Request Promptly

We'll deal quickly with your request to see your information, an always respond to you within forty-eight (48) hours. If we need to extend the time, or we have to refuse your request, we'll tell you why, subject to any legal restrictions and we'll notify you of the new deadline, the reasons for the extension, and your rights under applicable legislation respecting the extension.

We Correct Your Information

Whenever possible, we'll correct any information which we may have given to an outside organization. If a third party, such as a credit bureau, has given us information which you tell us is wrong, we'll give you the name and address of that party so that you can correct the information.

We Monitor Our Compliance With the AAM Privacy Policies

We have procedures in place to assist our employees in the practice of the AAM privacy policies. Our internal auditors monitor the practice of these policies on a regular basis, and report their findings.

Resolving Your Concerns and Complaints at AAM

AAM is committed to treating you with the greatest respect and consideration, and providing the highest level of service. Even so, from time to time something may go wrong. There may be a misunderstanding, or you may feel you have been dealt with unjustly. Whatever the circumstances; resolving the problem for you is our primary concern.

How to Resolve Concerns and Complaints at AAM

If you have a complaint or concern, we encourage following our complaint procedures:

Talk to Us

In most cases, a complaint is resolved by telling us about it and discussing it with us. You can contact us at (403) 340-2829 or email us at privacy@allaboutmortgages.ca