Privacy Policy

At Canguard Mortgage Investment Corporation, we respect your privacy and the confidentiality of your personal information. We are committed to keeping the personal information you share with us confidential. The use of such information will only be for the purpose for which it was collected.

This Privacy Policy explains how Canguard Mortgage Investment Corporation and its affiliated companies collect, use, disclose and protect the personal information we obtain. References to “Canguard” are to the corporate entity Canguard Mortgage Investment Corporationand include its subsidiaries and affiliates, depending upon the context.

Our Privacy Policy applies to individuals, including individuals carrying on business alone or in partnership with other individuals. It consists of the following key principles

We will limit the personal information we collect to what we need for those purposes of the service being provided, and we will use it only for those purposes. We will obtain your consent if we wish to use your personal information for any other purpose or before collecting personal information from, or providing personal information to, parties not affiliated with Canguard.

We may provide your personal information to other persons, but only where we have your consent or where we are required or permitted to do so by law.

We will protect the personal information we obtain about you with appropriate safeguards and security measures. We will retain your personal information only for the time it is required for the purposes we explain or as otherwise required by law.

We will give you access to the personal information we retain about you. We will make every reasonable effort to keep your personal information accurate and up-to-date.

We will explain your options of refusing or withdrawing consent to the collection, use and release of your personal information, and we will record and respect your choices. We will investigate and respond to your concerns about any aspect of our handling of your personal information.

The following sections will answer most of the important questions that you may have about how we fulfill each of these important principles, and how we will hold ourselves accessible and accountable to you.

We ask you for information to establish and serve you as our client. Personal information obtained from you will be used by Canguard to protect and administer your accounts, records and funds; to comply with certain laws, regulations and regulatory policies; to help Canguard improve products and services offered to you. The information we ask for depends on the products or services your request and in most cases are required by law or the policies of the regulatory organizations to which we are subject. Your social insurance number, for example, is required for products that earn investment income, in order to comply with Canada Revenue Agency’s income reporting requirements.

With your consent we may share your personal information, where not prohibited by law, within the Canguard group of companies for the purposes of showing products or services to you. Sharing such information will help us serve you better and determine whether any products or services we provide through our affiliated companies are suitable for you. Sharing your personal information also helps us determine your financial needs because it allows us to review what products of Canguard you have and how you use them. We may use certain information to provide you with information about Canguard and its products and services.

This consent is optional and you can decide to withdraw it at any time. Please refer to the Understanding Your Options section. We only collect the information we need and only use it for the purposes explained to you. When you apply for a new product or service, we will indicate in the application or agreement how we intend to use your personal information. If we wish in the future to use it for another purpose, we will ask you for your consent at that time. We will only ask for the information we need for that particular product or service. We will indicate clearly which information would help us to serve you but is optional for you to provide.

We obtain most of our information about you directly from you. With your consent, we may obtain personal information about you from third parties. Obtaining additional personal information about you from parties outside Canguard helps us assess your eligibility for our products and services. For credit, for example, we may need to know your creditworthiness.

We may contact references you have provided or credit reporting agencies to verify information that you have given us or to give us information on your credit history. We will not do this without your consent, but lease remember that if you do not give your consent we may not be able to provide he particular product or service you have requested.

We recognize that you may have special privacy concerns regarding our services provided on the Internet. In particular, we will want to ensure that your personal information is secure and that you are aware of and can control our use of your personal information in the Internet environment.

Remember email over the Internet is generally unencrypted. We recommend that you do not send us sensitive or confidential information by ordinary email, as unencrypted email is generally not secure. We are equally concerned about your privacy on the Internet and this Privacy Policy applies in its entirety to anything you might do while visiting our Web site. The Canguard Web site does not use “cookies”. You may choose to disable the “cookies” option on your browser, without affecting your use of our Web site.

Under no circumstances do we sell client lists or personal information to others. We release your personal information to parties outside Canguard only under the following circumstances.

We will disclose your personal information with your prior consent.

In certain circumstances, the law may require or permit Canguard to disclose your personal information without your knowledge or specific consent. For example, such information may be disclosed if required to comply with a subpoena, warrant, or court order, or if requested by a government institution that has the lawful authority to obtain the information.

From time to time we may disclose your personal information to securities regulatory and oversight organizations to which Canguard is subject for the purposes of an audit or investigation relating to your relationship with Canguard or Currencies business generally.

We may disclose information to the authorities to serve a clear public interest and fulfill our public duty – such as to protect against fraud, money laundering or other criminal activity. In exceptional circumstances it may be necessary that we disclose your personally identifiable information if we believe, in good faith, that disclosure is otherwise necessary or advisable to protect Currencies interests. We will seek to ensure that any proposed disclosure is required in the circumstances and then ensure that we disclose only the information that is required.

We will explain your options of refusing or withdrawing consent to the collection, use or release of your personal information and any consequences of refusing or withdrawing your consent. You may do so by advising Currencies Privacy Officer in writing.

We will protect your personal information with appropriate safeguards and security measures. We have security standards to protect our systems and your personal information against unauthorized access and use. We use our best efforts to ensure our suppliers and agents, as part of their contracts with Canguard, are bound to maintain your confidentiality and may not use the information they obtain for any unauthorized purpose. When we provide information in response to a legal inquiry or order, we ensure that the order is valid and we disclose only the information that is legally required.

All employees of Canguard are familiar with the procedures that must be taken to safeguard customer information. And to us, protecting the confidentiality of your personal information is part of our jobs. We audit our procedures and security measures regularly to ensure that they are being property administered and that they remain effective and appropriate.

We retain your personal information only as long as it is required for the reasons it was collected or as required by law. The length of time we retain information varies depending on the product or service and the nature of the information. This period may extend beyond the end of your relationship with us but only for so long as it is legally necessary for us to have sufficient information to respond to any issue that may arise at a later date. When your personal information is no longer needed or required, we have procedures to destroy, delete, erase or convert it to an anonymous form.

We will give you access to the information we have about you. Most of this information is in the form of your transaction records which can be obtained by contacting the Canguard Privacy Officer in writing at our head office address: Suite 208, 12877 – 76th Avenue, Surrey, British Columbia, V3W 1E6.

We may not be able to provide information about you from our records if it contains references to other persons, is subject to legal privilege, contains information proprietary to Canguard or cannot be disclosed for other legal reasons. If you have any questions regarding decisions made, we will tell you the reasons for those decisions.

We will make every reasonable effort to keep your personal information accurate and up-to-date. Having accurate information about you enables us to give you the best possible service. You can help by keeping us informed of any changes such as if you move or change telephone numbers. If you find any errors in our information about you, let us know and we will make the corrections as soon as reasonably possible and make sure they are conveyed to anyone we may have misinformed. For information that remains in dispute, we will note your opinion in the file.

Your comments and concerns are important to Canguard. If you have any concerns or questions about privacy and confidentiality, or any concerns about the way a request for information was handled, you can contact our Office in writing at our head office address – 1590-1100 Melville Street, Vancouver, BC, V6E 4A6, or by email at info@canguard.ca