Privacy Policy
Lionsgate Financial Services respects the privacy and confidentiality of the personal information entrusted to us.
This Privacy Policy explains how Lionsgate Financial Services collects, uses, discloses, stores and protects personal information obtained through our website, mortgage inquiries, applications, communications and related mortgage brokerage activities.
We use strong SHA 2 and 2048 bit encryption to help secure data transmitted through our website, together with other technical, administrative and organizational safeguards designed to protect personal information against unauthorized access, use, disclosure, alteration or loss.
By voluntarily providing personal information to Lionsgate Financial Services, you acknowledge that your information will be handled as described in this Privacy Policy, subject to applicable Canadian privacy laws and any additional consent that may be required for particular activities.
1. OUR COMMITMENT TO PRIVACY
Mortgage financing can require the collection and review of sensitive personal and financial information.
Lionsgate Financial Services takes the confidentiality of this information seriously and maintains policies, procedures and safeguards intended to protect personal information against unauthorized access, use, disclosure, alteration, loss or theft.
We collect, use and disclose personal information only for purposes that are reasonably connected with our mortgage brokerage activities, our relationship with you, regulatory and legal obligations, fraud prevention, security and other legitimate business purposes permitted by law.
2. PERSONAL INFORMATION WE MAY COLLECT
The information we collect depends upon the nature and stage of your inquiry or application.
Personal information may include:
Identification and contact information
Your name, address, telephone number, email address, date of birth and other information used to identify or communicate with you.
Mortgage and property information
Information concerning properties you own, wish to purchase or refinance, property addresses, estimated or appraised values, existing mortgages, mortgage balances, property type, occupancy, taxes and other property related information.
Financial information
Information concerning income, employment, assets, liabilities, debts, expenses, banking, mortgages, credit obligations, financial circumstances and the amount or type of financing requested.
Credit information
Where appropriate consent has been obtained, information concerning your credit history, credit score, credit obligations and other information provided by or obtained through credit reporting agencies or other authorized sources.
Employment and business information
Your employer, occupation, position, employment history, income, business ownership, corporate information and other information reasonably required to evaluate or verify your financial circumstances.
Identity verification information
Information and documentation reasonably required to establish or verify your identity and satisfy fraud prevention, lender, legal, regulatory, anti money laundering or other compliance requirements.
Documents you provide
Documents may include identification, income documentation, bank statements, mortgage statements, tax documentation, property documents, corporate records, appraisals and other materials voluntarily provided or requested in connection with a financing inquiry.
Communications
We may maintain records of communications with you, including emails, text messages, website submissions, documents, correspondence, notes concerning telephone conversations and other interactions relating to your inquiry or file.
Technical and website information
When you use our website, certain technical information may be collected automatically, including IP address, browser type, device type, operating system, pages visited, referring information, cookies and similar technical information.
3. HOW WE COLLECT INFORMATION
We may collect personal information directly from you when you:
Submit a website form;
Request mortgage or financing information;
Contact us by telephone, email or text message;
Provide documents or information to a mortgage broker or mortgage agent;
Complete an application;
Communicate with Lionsgate concerning an existing or proposed transaction; or
Otherwise voluntarily provide information to us.
Subject to applicable law and appropriate consent, information may also be obtained from third parties or other sources reasonably necessary to evaluate or process a financing request.
These sources may include lenders, credit reporting agencies, identity verification providers, appraisers, lawyers, financial institutions, service providers, public registries, property information sources and other authorized sources.
4. WHY WE COLLECT AND USE PERSONAL INFORMATION
Lionsgate may collect and use personal information for purposes including:
Responding to mortgage and financing inquiries;
Understanding your financing requirements;
Assessing potential mortgage and financing options;
Determining whether your circumstances may satisfy lender requirements;
Matching potential borrowers with appropriate lenders or funding sources;
Preparing, submitting and administering mortgage applications;
Communicating with lenders and funding sources;
Verifying information supplied in connection with an inquiry or application;
Confirming identity;
Reviewing property, employment, income, business and financial information;
Detecting, preventing and investigating fraud, misrepresentation or unauthorized activity;
Satisfying regulatory, compliance, anti money laundering and legal requirements;
Requesting additional information or documentation;
Communicating with you concerning your inquiry or application;
Providing application updates and reminders;
Maintaining appropriate business and regulatory records;
Responding to complaints, disputes, legal proceedings or regulatory inquiries;
Protecting Lionsgate, its clients, employees, brokers, mortgage agents and business operations;
Improving our website, systems, services and client experience; and
Other purposes reasonably connected with the mortgage brokerage services you request and permitted by applicable law.
We will seek additional consent where required before using personal information for a materially different purpose.
5. VERIFICATION OF INFORMATION
Mortgage brokerage activities may require Lionsgate to verify information supplied by prospective borrowers.
Subject to applicable law and any consent required, Lionsgate may verify information concerning identity, contact information, property ownership, property characteristics, employment, income, businesses, corporate information, financial information, documentation and other information relevant to a financing request.
Verification may involve authorized databases, public records, property information systems, corporate registries, credit reporting agencies, identity verification providers, lenders, service providers or other lawful information sources.
Information obtained through verification may become part of the applicable lead, application or client record.
6. CREDIT INFORMATION
Where a credit report or other credit information is required, Lionsgate will obtain the appropriate authorization or consent required by applicable law or the applicable credit reporting provider.
Submitting a general website inquiry does not, by itself, necessarily mean that Lionsgate will obtain a credit report.
Where credit information is obtained, it may be used to assess potential financing options, verify financial information, evaluate lender eligibility and facilitate mortgage brokerage services.
7. DISCLOSURE TO LENDERS AND FUNDING SOURCES
A central purpose of providing information to Lionsgate may be to allow us to identify potential financing solutions.
Subject to applicable privacy requirements and consent, Lionsgate may disclose relevant information to potential lenders, banks, credit unions, institutional lenders, alternative lenders, private lenders, mortgage investment corporations or other funding sources for the purpose of evaluating, arranging or administering potential financing.
Not every financing inquiry will be disclosed to every lender.
Lionsgate seeks to disclose information where reasonably connected with identifying or arranging an appropriate financing solution.
Lenders and funding sources may maintain their own privacy practices and legal obligations concerning information they receive.
8. REFERRALS AND CO BROKERING
Where Lionsgate is unable to identify an appropriate financing solution through its available funding sources, we may identify another brokerage, lender or service provider that may potentially assist you.
Where personal information is to be transferred or disclosed for such a purpose, Lionsgate will do so in accordance with applicable privacy and regulatory requirements and will obtain additional consent where required.
9. SERVICE PROVIDERS
Lionsgate may use third party service providers to support its business operations and mortgage brokerage activities.
Depending upon the circumstances, these providers may assist with services such as:
Website hosting;
Customer relationship management;
Electronic communications;
Document collection and management;
Electronic signatures;
Identity verification;
Credit reporting;
Banking or financial data verification;
Property information;
Appraisals;
Fraud prevention;
Data storage;
Information technology;
Cybersecurity;
Analytics; and
Professional or administrative services.
Service providers may have access to personal information only to the extent reasonably necessary to perform the applicable services or as otherwise permitted by law.
10. ELECTRONIC COMMUNICATIONS
If you submit your telephone number or email address in connection with a mortgage or financing inquiry, Lionsgate may communicate with you concerning that inquiry and related services.
Communications may include telephone calls, emails and text messages.
Certain communications may be generated, scheduled or delivered through automated systems and may appear to originate from the individual Lionsgate mortgage broker, mortgage agent or representative assigned to your inquiry or file.
Automated delivery does not necessarily mean that a particular communication was manually typed or individually transmitted at the moment it was received.
Electronic communications will be managed in accordance with applicable Canadian law.
Where applicable, you may withdraw consent to receive certain communications by following the opt out instructions contained in the communication.
For text messages, you may reply STOP where that functionality is available.
For emails, you may use the applicable unsubscribe or opt out mechanism.
You may also contact Lionsgate directly and request that applicable communications stop.
Withdrawal from certain communications does not prevent Lionsgate from sending communications that are permitted or required for transactional, legal, regulatory, compliance or servicing purposes.
11. COOKIES AND WEBSITE TECHNOLOGIES
Our website may use cookies and similar technologies to operate website functionality, understand website activity, maintain security, improve performance and enhance the user experience.
These technologies may collect information such as IP address, browser type, device information, referring pages, pages visited and interactions with website features.
Your browser may permit you to restrict or disable certain cookies.
Disabling cookies may affect the operation or functionality of portions of the website.
Where consent is legally required for particular cookies or tracking technologies, Lionsgate will obtain consent as required by applicable law.
12. INFORMATION SECURITY
Lionsgate uses administrative, technical and physical safeguards appropriate to the sensitivity of the personal information under its control.
These safeguards may include access controls, authentication measures, encryption or secure transmission technologies, restricted access to client information, cybersecurity protections, employee confidentiality requirements and other security measures appropriate to the nature of the information.
Access to personal information is restricted to persons who require access for legitimate business, client service, compliance or regulatory purposes.
No electronic transmission or information storage system can be guaranteed to be completely secure. Lionsgate therefore continually evaluates appropriate safeguards based upon the sensitivity of the information and evolving security risks.
13. CONFIDENTIALITY OF FINANCING INFORMATION
Information concerning a person’s mortgage inquiry, application, financial circumstances, credit, income, debts, employment, property and underwriting circumstances is treated as confidential in accordance with applicable privacy requirements.
This obligation can limit Lionsgate’s ability to publicly respond to statements, reviews, allegations or complaints concerning a particular financing inquiry.
Lionsgate will not publicly disclose confidential personal or financial information merely for the purpose of responding to public criticism where doing so would violate applicable privacy obligations.
Nothing in this Privacy Policy limits disclosures that are permitted or required by law.
14. RETENTION OF INFORMATION
Lionsgate retains personal information only for as long as reasonably necessary to fulfill the purposes for which it was collected and to satisfy applicable legal, regulatory, record keeping, fraud prevention, dispute resolution and legitimate business requirements.
Different categories of information may therefore be retained for different periods.
Information relating to an inquiry that does not result in a funded mortgage may still be retained where reasonably necessary for regulatory compliance, record keeping, responding to future inquiries, documenting consent, fraud prevention, complaints, disputes or other lawful purposes.
When personal information is no longer reasonably required, Lionsgate will take appropriate steps to securely destroy, delete or anonymize it, subject to applicable legal and regulatory requirements.
15. ACCURACY OF INFORMATION
Lionsgate takes reasonable steps to ensure that personal information used in making decisions is sufficiently accurate, complete and current for the purposes for which it is used.
You are responsible for providing accurate information and advising Lionsgate where information relevant to your financing request has materially changed.
If you believe personal information maintained by Lionsgate is inaccurate or incomplete, you may contact us to request a correction.
16. ACCESS TO YOUR PERSONAL INFORMATION
Subject to applicable law and lawful exceptions, you may request information concerning the personal information Lionsgate maintains about you.
You may also request access to personal information to which you are legally entitled and request correction of information that is inaccurate or incomplete.
Lionsgate may take reasonable steps to verify your identity before responding to an access or correction request.
Certain information may be withheld where permitted or required by law, including where disclosure would reveal personal information concerning another individual, legally privileged information or information that applicable law otherwise permits Lionsgate to withhold.
17. WITHDRAWING CONSENT
Where Lionsgate relies upon your consent to collect, use or disclose personal information, you may withdraw that consent subject to legal or contractual restrictions and reasonable notice.
Withdrawal of consent may affect Lionsgate’s ability to provide mortgage brokerage services, continue processing an application, communicate with potential lenders or otherwise assist with your financing request.
Withdrawal of consent does not require Lionsgate to delete information that it is legally or regulatorily required or otherwise lawfully entitled to retain.
18. DISCLOSURE REQUIRED OR PERMITTED BY LAW
Lionsgate may collect, use or disclose personal information without additional consent where permitted or required by applicable law.
This may include responding to lawful court orders, regulatory requirements, investigations, law enforcement requests or other legal processes, as well as protecting against fraud, security threats or unlawful activity where permitted by law.
19. INFORMATION OUTSIDE YOUR PROVINCE OR CANADA
Some service providers used by Lionsgate may process or store information in another province or jurisdiction.
Where personal information is processed outside your province or outside Canada, it may be subject to the laws of the jurisdiction in which it is processed and may be accessible to courts, law enforcement or regulatory authorities in accordance with those laws.
Lionsgate will use service providers and safeguards appropriate to its legal obligations concerning personal information under its control.
20. PRIVACY BREACHES
Lionsgate maintains procedures intended to identify, investigate and respond to unauthorized access, use or disclosure of personal information.
Where a privacy breach occurs, Lionsgate will take reasonable steps to contain and investigate the incident and will provide notifications to affected individuals, regulators or other parties where required by applicable law.
21. THIRD PARTY WEBSITES
Our website may contain links to websites operated by lenders, service providers or other third parties.
Lionsgate does not control the privacy practices of independent third party websites.
If you leave our website and provide information directly to another organization, that organization’s privacy policy and practices will apply to the information you provide to it.
22. CHILDREN
Lionsgate’s mortgage brokerage services are intended for adults who are legally capable of entering into the applicable transactions.
We do not knowingly solicit mortgage applications from children through this website.
23. CHANGES TO THIS PRIVACY POLICY
Lionsgate may update this Privacy Policy periodically to reflect changes to our services, technology, business practices, regulatory requirements or applicable law.
Material changes will be communicated or additional consent obtained where required by applicable law.
24. PRIVACY QUESTIONS, ACCESS REQUESTS AND COMPLAINTS
Lionsgate is accountable for personal information under its control.
Questions concerning this Privacy Policy, requests to access or correct personal information, withdrawal of consent where applicable, or concerns regarding Lionsgate’s handling of personal information may be directed to:
Lionsgate Financial Services
Telephone: (877) 764 8077
Email: hello(@)lionsgatefinancialservices.ca
You may also contact Lionsgate through the Contact Us page available on our website.
Lionsgate will review privacy inquiries and complaints and respond in accordance with applicable privacy requirements.
25. YOUR ACKNOWLEDGEMENT
By voluntarily submitting personal information through this website or directly to Lionsgate Financial Services, you acknowledge that you have been provided access to this Privacy Policy and understand the purposes for which your information may be collected, used and disclosed.
Where applicable law requires additional or express consent for a particular collection, use or disclosure, Lionsgate will obtain that consent separately.
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