The Words Sky Financial, “we”, “our” and “Business” are to mean Sky Financial Corporation – The Mortgage Centre. The words “you” and “your” are to mean all our clients.
We take great care to ensure that your information is kept safe from unauthorized access. We do not share your information in violation of any PIPEDA regulation of privacy law. Sky Financial and our associates maintain strict physical, electronic, and procedural safeguards that comply with applicable standards to guard your private personal information and to assist us in preventing unauthorized access to that information.
Sky Financial collects and uses personal information about you for the purpose of: verifying the information provided; assessing your credit-worthiness; establishing credit and hold limits; maintaining our client relationship; presenting your mortgage application to various lenders and insurers for the purpose of securing and/or renewing a mortgage and/or related services and providing information to you about other products offered or approved by us, our affiliates, related entities or other third party financial partners that we believe may be of interest to you. We may also disclose your personal information under strict confidentiality to (i) any potential purchaser of our business and their advisors (ii) any third party service providers to whom we may outsource our business functions and (iii) any parties involved in the securitization, assignment or pledge of loan(s)/mortgage(s) that are obtained through us.
Once you engage with us to act on your behalf for your mortgage purposes we have you sign a PIPEDA Client Consent Form. Once the form is signed you are consenting to our collecting, using and disclosing your personal information at any time during the application and on an on-going basis thereafter, for the foregoing purposes, and to carry out these purposes you agree that we may disclose your personal information to and receive personal information from: consumer reporting agencies, credit bureaus, real estate appraisers, your bank(s) or other financial institutions with whom you have or have had dealings, your past mortgage brokers, your present and past employers and such other third parties who may have information about your financial status.
We collect information from any applications, consumer reporting agencies, by telephone, by mail, by fax, by internet, or from third parties that have your authority to disclose such personal information to us.
We destroy/delete information after it is no longer needed, we are required for certain legal, tax and accounting reasons to keep customer information for a period following the closing of an account with us.
For instructions on how you can access the personal information that Sky Financial has collected about you or to make any changes or corrections to the information we have on file, or for any questions or complaints regarding this policy, please send an email, along with your first and last name to Gerry McDade, Principal Broker/Owner of Sky Financial at email@example.com or phone 780-966-9830 or written request to Gerry McDade Broker/Owner Sky Financial 209 Whiston Road NW, Edmonton, AB T6M 2C9