Centum Financial Group Inc. (“CENTUM”) recognizes the importance of protecting the personal information of our Customers, our prospective customers, brokers and sales people with our franchisees and anyone else from whom we may collect personal information from time to time whether in the course of real estate transactions or otherwise.
CENTUM and its Franchisees
Personal information is any information in whatever form about an identifiable individual. However, it does not include:
CENTUM collects the following personal information:
Except where permitted by law, CENTUM collects, uses and discloses your personal information with your knowledge and consent and we will do so fairly and openly.
CENTUM uses personal information for the following purposes:
CENTUM reserves the right to collect, use and disclose other personal information without your knowledge or consent if we are required to do so or if we are allowed to by law.
Except where required or permitted to do so without your consent, CENTUM only collects your personal information with your consent. In most cases, CENTUM relies on express consent. However, where the purpose of the collection of personal information is obvious on its face, CENTUM may rely on your implied or deemed consent.
In some cases, such as using your personal information for marketing services to You, CENTUM will rely on opt-out consent. (You will receive the information unless You advise us You do not wish to receive it.)
CENTUM only collects personal information where it is reasonably necessary to provide the service which You are seeking and which we have agreed to provide. We do not use deceptive or misleading practices to obtain your consent.
CENTUM does not require You to consent to the collection, use or disclosure of personal information as a condition of the supply of a service by us unless such collection, use or disclosure is required to fulfill the aforementioned purposes of collection.
CENTUM reserves the right to collect, use or disclose personal information in certain limited circumstances, without your knowledge and consent, where required or permitted by law.
You may withdraw your consent to the collection, use and disclosure of personal information in connection with the services that You have requested from us at any time, subject to legal or contractual restrictions and reasonable notice. CENTUM will inform You of the implications of withdrawing your consent. If You wish to withdraw your consent at any time, please contact CENTUM’s Privacy Officer (see below for contact information).
You have the right to access your personal information in the possession or control of CENTUM and to know how that personal information has been and is being used, and to whom it has been disclosed. CENTUM reserves the right to refuse to comply with all or part of a request where we are required to or are permitted to refuse to do so by the provisions of applicable personal information protection legislation.
Applications must be in writing and be sent to our Privacy Officer either by mail or email at the addresses set out below. Applications should have sufficient detail that allows us to identify You and the personal information You are requesting.
You may ask to have errors or omissions in your personal information in our possession or control corrected. If we are satisfied that the correction is reasonably necessary, we will correct the personal information and notify anyone to whom we have provided the personal information in the previous 12 months of the correction. If we are not satisfied that the correction should be made, we will annotate the personal information under our control of the correction requested but not made.
Requests for access and correction will usually be responded to within 30 calendar days of receiving the request unless we apply to the applicable Privacy Commissioner for an extension. We charge $25 plus $.25 per page for providing You with copies of your personal information. In the event that it will take an unusually long time to collect your personal information, we may charge an additional amount. In each case, we will give You a full quote before photocopying the personal information. There is no charge for correcting personal information.
We will assist You with your request and will respond as accurately and completely as reasonably possible. Where we refuse all or part of your request, we will give You the reasons for the refusal and the applicable legislation on which we base our refusal; the name and contact information of someone within CENTUM who can explain the basis for the refusal and of your right to apply to a Privacy Commissioner for review.
CENTUM makes reasonable efforts to ensure that Your personal information is protected against loss and unauthorized access, collection, use, disclosure, copying, modifying, disposal or similar risks. This protection applies in relation to personal information stored in both electronic and hard copy form and will vary depending on the sensitivity of the information.
Access to non-public personal information is restricted to selected employees or representatives on a need-to-know basis. In addition, CENTUM employs generally accepted information security techniques, such as firewalls and access control procedures in order to protect personal information against unauthorized access, collection, use, disclosure, copying, modifying, disposal or similar risk.
CENTUM retains personal information for as long as necessary to fulfill the purpose(s) for which it was collected and to comply with applicable laws. Personal information which is collected and used to make a decision about You is retained for at least one year. Your consent to such purpose(s) remains valid after termination of CENTUM’s relationship with You.
You may contact our Privacy Officer as follows:
CENTUM Financial Group Inc.
Attention: Privacy Officer
Address: 700-1199 West Pender Street, Vancouver, BC Canada V6E 2R1
Phone: (604) 257-3940
Fax: (604) 257-3949
If You are unhappy about the collection, use or disclosure of your personal information by CENTUM, we ask that You discuss the matter further with our Privacy Officer.
If You are not satisfied with the response, You may make an application or complaint to the appropriate Privacy Commissioner.
In order to promote the services of our Franchisees and their brokers and sales people, CENTUM collects certain personal information about them, such as photographs and contact information, in a variety of ways, including through OnlineOffice registration. This information is disclosed by CENTUM when it makes the information available for Customers to access on the Website or through other means by which CENTUM promotes their services.
The following addresses the personal information Centum Financial Group Inc. (“CENTUM”) may collect about You during any interaction with our website (the “Website”).
We receive two types of personal information from Customers who visit the Website: (1) personal information that Customers provide through registration or other communication on the Website; and (2) personal information CENTUM gathers through aggregated tracking procedures, such as tallying the number of page views throughout the Website over a given period of time. The second type of personal information enables us to tailor the Website content to better meet the needs of our Customers. However, we assure You that CENTUM will not disclose your personal information to third parties except as is permitted by applicable law.
As a franchisor, CENTUM does not provide mortgage broker services. Mortgage broker services are provided exclusively by CENTUM franchisees (“Franchisees”). Each Franchisee is an independently owned and operated mortgage broker business. Customers applying for mortgage services through the Website apply through a Franchisee, not through CENTUM. While CENTUM has undertaken extensive measures to control and ensure the privacy and security of personal information obtained through the Website, it does not own or control the operations of its Franchisees. Customers who have concerns about the treatment of their personal information by a Franchisee with which they are dealing are urged to contact that Franchisee directly.
As a general rule, CENTUM will not disclose any of your personal information except when we have your permission or under special circumstances, such as when we believe in good faith that the law requires it or under other specified circumstances, including those described below:
CENTUM Privacy Officer
700-1199 West Pender St. Vancouver, B.C.
Canada V6E 2R1
Phone: (604) 257-3940
Fax: (604) 257-3949
You should be aware that when You are on the Website You could be directed to other third party websites that are beyond our control. There may, from time to time, be links to other third party websites from the Website that take You outside our service areas. For example, if You “click” on a banner advertisement on the Website, the “click” typically takes You off the Website. These other sites may include websites of advertisers, sponsors and partners that may use CENTUM’s and/or its affiliates’ and/or its Franchisees’ logos as part of a co-branding agreement. These other websites may send their own cookies to Customers, or otherwise collect data or solicit information.
Please keep in mind that whenever You give out personal information online (for example, via message boards or chat lines), that personal information can be collected and used by people You do not know. While CENTUM and its affiliates strive to protect their Customers’ personal information and privacy, we cannot guarantee the security of any personal information You disclose online and so You disclose such information at your own risk.
The importance of securing your personal information is of the utmost concern to us. We exercise great care in providing secure transmission of your information from your computer to our servers. Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, while we strive to protect your personal information, CENTUM and its affiliates cannot promise or warrant the security of any personal information You transmit to us, including through the use of our online products or services. Any such transmission is done so at your own risk. Once we receive your transmission, CENTUM uses industry standard efforts to safeguard the confidentiality of your personal information, such as firewalls and Secure Socket Layers. However, ironclad security does not yet exist on the Internet.