Privacy Policy

Consent
By providing Sharma Mortgages Incorporated with your personal information, you consent to the collection, use, disclosure, and retention of that information by the Sharma Mortgages Incorporated and other vendor, dealer, or supplier of Sharma Mortgages Incorporated in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to Sharma Mortgages Incorporated, but then you might not be able to proceed with your intended interactions or transactions with Sharma Mortgages Incorporated or otherwise receive the full benefit of Sharma Mortgages Incorporated’s products and services.

Personal Information

In this Privacy Policy, “personal information” means information about an identifiable individual, such as an individual’s name and email address, but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.

Information that Sharma Mortgages Incorporated Collects
(a) Information You Provide
You may be asked to voluntarily give your personal information to Sharma Mortgages Incorporated when you interact, orally, in writing, or by electronic transmission, with Sharma Mortgages Incorporated, including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by Sharma Mortgages Incorporated or use a product or service provided by Sharma Mortgages Incorporated. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with Sharma Mortgages Incorporated or otherwise receive the full benefit of the desired product or service. Telephone calls between you and Sharma Mortgages Incorporated will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify Sharma Mortgages Incorporated is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.

(b) Automated Collection
Sharma Mortgages Incorporated may automatically collect certain information regarding your use of the Sharma Mortgages Incorporated’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.

Sharma Mortgages Incorporated’s websites, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels, or tags) to collect information that assists Sharma Mortgages Incorporated to improve its products, services, customer communications and advertising and to prevent fraud. More information about cookies used for interest-based advertising is set out in section 4(c) below.

Much of the information that is automatically collected by technological means is non-personal information (because the information does not identify you), and Sharma Mortgages Incorporated will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.

(c) Credit Reports
When you apply or register for, order or use certain products or services from Sharma Mortgages Incorporated (e.g. a referral to a car dealer for a financed car purchase), Sharma Mortgages Incorporated may obtain your credit score and related information from a credit reporting agency to process or fulfill the transaction. 

You also acknowledge and agree that any dealers or other persons or organizations to which we have disclosed your personal information in accordance with this Privacy Policy, may request a credit report for any legitimate purpose associated with your application [for credit, extending credit, modifying the terms of your credit agreement, or collection on your account.]

(d) Information Regarding Referred Transactions
If Sharma Mortgages Incorporated refers you to an independent business (e.g. a car dealer, lender, or credit card company) for a proposed transaction (e.g. a car purchase, loan, or credit card), then Sharma Mortgages Incorporated may collect from that independent business information regarding the transaction to update your confidential profile for use by our lenders as set out in this Privacy Policy.