Created this 1st day of August, 2007
In compliance with the Personal Information Protection and Electronic Documents Act (PIPEDA).
FOCUS Mortgage Solutions Inc. is responsible for the protection of personal information and the fair handling of it at all times with regards to taking care in collection, use and disclosure of personal information from our clients.
Jason Dornstauder, the Broker/Owner, can be reached directly with any questions, concerns, or complaints you may have regarding the use of personal information. He can be contacted by calling (306)-205-1270 Monday through Friday or via email at . All requests for personal information will be facilitated within 30 days. Individuals can request their personal information at no cost. Outside agencies with written client consent may incur a charge for any requested information.
Under no circumstances will personal information be collected, shared, or disclosed without the consent of our clients by way of our signed and dated “Engagement Letter and Privacy Statement”. Such written consent will expire in 182 days (6 months). New transactions beyond this expiration date must be accompanied by new written consent by way of our “Engagement Letter and Privacy Statement”. All clients of FOCUS Mortgage Solutions must be 18 years or older and must provide proof upon request by way of Government Issued Identification. Powers of Attorney will be recognized only by the terms of our Lenders and Insurers and may include limitations.
All private information is used solely in order to facilitate the process of mortgage financing. All collected information is held in the strictest of confidence and is not traded, bartered or sold. Information collected is shared directly and only with such parties (Mortgage Lenders and Mortgage Insurance Company’s) that are immediately involved with the mortgage process. FOCUS Mortgage Solutions collects and verifies various personal, financial, property, employment, and credit information as is necessary only for arranging Mortgage Financing as directed by our Mortgage Lenders and Insurers. Non-relevant or obscure information will not be collected.
Personal information is securely stored on site at 104-438E Victoria Avenue, Regina, SK. All information is protected against loss or theft and is safeguarded from unauthorized access. Access to personal information is restricted to employees of FOCUS Mortgage Solutions Inc, and on rare occasion to Local and Federal Law Enforcement Agencies upon written request. Clients may access their personal information during standard office hours by appointment. Any other requests for client information by anyone other than the client must be requested by written authority of the client and will be verified prior to any disclosure of any information.
Personal information is retained as long as necessary to satisfy the purpose of arranging for mortgage financing but may, at the Brokers sole discretion, be held on site for a maximum of 5(five) years from the date of application, 5 (five) years from the date of Mortgage Maturity; after which it shall be properly disposed – all hardcopy (paper) will be shredded and all electronic forms will be deleted. Clients can request their information for personal disposal upon the completion of their mortgage transaction. Requests of this nature must be in writing and must contain an indemnification clause that frees FOCUS Mortgage Solutions Inc and its employees from any and all legal recourse upon release of said information.
Exceptions to use of personal information – FOCUS Mortgage Solutions Inc may use personal information without the individual’s knowledge or consent only:
Exceptions to disclosure of personal information – FOCUS Mortgage Solutions Inc may disclose personal information without the individual’s knowledge or consent only:
Exceptions to access of personal information – FOCUS Mortgage Solutions Inc. must restrict access to personal information:
Exceptions to access of personal information – FOCUS Mortgage Solutions Inc may refuse access to personal information if the information falls under one of the following:
* If this information can be removed, the organization must release the remaining information.
Revisions to this Policy may be made in order to facilitate the PIPEDA.
Last Updated 01/20/2015