Privacy Policy

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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

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. While CENTUM has undertaken  extensive measures to  control and ensure the privacy and security of  personal information collected by it, it does not own or control the  operations of its Franchisees. Customers and prospective 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. This Privacy Policy addresses personal information  that CENTUM has in its possession or control
 

Personal information is any information in whatever  form about an identifiable  individual. However, it does not include:
 

1. your name or information which would enable us to contact  You at your place of employment including your name, position name or  title, business telephone number, business address, business email and  business fax number;
2. personal information about You that is publicly available  information such as information available from a public registry or  contained in a telephone book;
3. aggregated information that cannot be associated with You as a specific individual; and
4. information which is not about a person but which is about a company, association or another organization.

CENTUM collects the following personal information:
 

1. personal information which You voluntarily provide to us  when You visit a CENTUM Franchisee or that is otherwise provided to  CENTUM, such as by telephone, email, mail or fax; and
2. personal information which You voluntarily provide to us when You visit our website (the “Website”),  such as when You complete a contact request, and personal information  relating to your use of the Website (in accordance with our more  detailed  Website Privacy Policy set out below).

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:
 

1. to put You in touch with a broker or sales person with one  of our Franchisees who may contact You to assist You with finding a  mortgage;
2. to assist the broker or sales person in finding an appropriate mortgage for You; and
3. for the purposes relating to use of personal information collected on the Website set out below in our Website Privacy Policy.

1. CENTUM may share personal information with third parties  engaged to assist us in providing services or products to You or to  carry out one or more of the purposes described above. These service  providers are prohibited from using personal information for any purpose  other than to provide this assistance and are required to protect  personal information disclosed to them by us and to comply with the  general privacy principles described in this Privacy Policy.         Note that CENTUM retains a canadian and U.S. located service  provider (including, for example, Axiom Innovations Inc. and  WhereToLive.com Inc.) for certain services and the personal information  provided to that U.S. based provider is subject to the laws of the  jurisdiction in which it operates.
2. CENTUM  discloses  personal information when it  makes  the   personal  information  a person has provided online available to its  Franchisees and their brokers and sales people.
3. CENTUM may disclose personal information gathered on the Website for the purposes set out below in our Website Privacy Policy.

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.
 

CENTUM reserves the right to modify this Privacy Policy at any time  without notice. The Privacy Policy distributed at any time or  from-time-to time posted on the Website shall be deemed to be the  Privacy Policy then in effect.
 

CENTUM is responsible for the personal information under its  control, and we have designated a Privacy Officer who is responsible for  our compliance with this Privacy Policy and with applicable laws. Other  individuals within CENTUM may be delegated to act on behalf of the  Privacy Officer and CENTUM will use appropriate means to provide a  comparable level of protection while information is being processed by a  third party.       
 

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

Email: privacy@centum.ca    
 

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.

   Much of this information is business contact information, which is  not subject to privacy law or this Privacy  Policy. However, to the  extent that such information is personal in nature, CENTUM will collect,  use  and disclosure  this information in accordance with this Privacy  Policy (see above) and, where applicable, with our Website Privacy  Policy.       
 

The following addresses the personal information Centum Financial Group Inc. (“CENTUM”) may collect about You during any interaction with our website (the “Website”).
 

By using the Website, You signify your agreement with and acceptance  of CENTUM’s Website Privacy Policy. If You do not accept this Website  Privacy Policy, You must not access or use the Website.

   CENTUM may, at any time, without notice or liability, revise this  Website Privacy Policy by updating this posting. You should periodically  revisit this posting to review any revisions to this Website Privacy  Policy. If any revision is not acceptable to You, You must cease  accessing and using the Website. If You continue to access or use the  Website after any revisions are posted You will be deemed to have  accepted those revisions.
 

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.
 

1. Registration: CENTUM does not collect your personal  information through the Website except when such personal information is  provided to us on a voluntary basis.   For example, CENTUM will collect  a user’s name, address, phone number and/or e-mail address and any  additional details that a user chooses to provide if he or she completes  the portion of the Website that requests that CENTUM or one of the  Franchisees contact the user. If You choose not to provide your personal  information please note that certain services associated with the  Website may not be available to You as they cannot be supplied without  your personal information. The personal information gathered through the  Website is governed by the foregoing Privacy Policy.
   
2. Usage tracking:
    
   1. Use of IP Addresses: An IP address is a  number that is automatically assigned to your computer whenever You are  surfing the Internet. Web servers automatically identify your computer  by its IP address.
      
                         CENTUM and/or its affiliates collect IP addresses  for the purposes of system administration, to report aggregated  information to our advertisers, and to audit the use of the Website.    When Customers request pages from the Website, our servers log the  requesting Customers’ IP addresses.  Except where You participate in any  online transaction CENTUM may offer from time to time, we normally will  not link IP addresses to anything personally identifiable, which means  that Customers’ sessions will be logged, but Customer identity remains  anonymous to us. We can and will use IP addresses to identify a Customer  when we feel it is necessary to enforce compliance with our rules or  terms of service or to protect our service, the Website, or any person,  or where it is otherwise permitted by law.
      
       
   2. Use Of Cookies: Cookies are bits of  information that a website transfers to an individual’s hard drive for  record-keeping purposes. Cookies make Web surfing easier for You by  saving your preferences while You visit the Website. We never save  passwords or credit card information in cookies. The use of cookies is  an industry standard, and, as such, You’ll encounter them at most major  websites.
      
                         By showing how and when Customers use the Website,  cookies help us see which areas are popular and which are not.   Many  improvements and updates to the Website are based on data collected  using cookies, such as the total number of visitors and pages viewed in a  given period of time. This kind of information is most easily tracked  using cookies.
      
                         CENTUM and/or its affiliates have two primary uses  for its cookies. First, we use them  to  specify preferences.   For  example,  Customers can  specify keywords across several categories or  markets so You do not have to tell us over and over again about the  kinds of homes You are interested in obtaining information about.  Secondly, we use cookies to track Customer trends and patterns. This  helps us to better understand our Customers’ needs and to improve areas  of CENTUM and/or its  Franchisees’ services that  our Customers may find   valuable.   Sometimes, information from cookies is attached to  messages sent to our Customer Service department.   While all of these  situations depend on the use of a cookie, You always have the option of  disabling the receipt of cookies on your computer by adjusting the  cookies setting in your Web browser preferences.                       
      
                         Most browsers are initially set up to accept  cookies.   You can reset your Web browser to either refuse all cookies  or indicate when a cookie is being sent, with a concurrent option to  accept or receive the cookie. However, note that some of the services  offered on the Website will not function properly or may be considerably  slower if You refuse to receive cookies. For example, without cookies,  You will not be able to set personalized preferences. You might also  encounter difficulties participating in online transactions offered on  the Website from time to time.
      
                         Occasionally, You may receive cookies from our  advertisers. CENTUM and/or its affiliates do not control these cookies.  The use of advertising cookies sent by third-party servers is standard  in the Internet industry.
      
       
   3. Other: We automatically collect anonymous  statistical information regarding usage of the Website.  For instance,  our Website will recognize the type of browser You are using (Netscape  or Internet Explorer), the address of the Internet Service Provider you  are using, the site that linked You to the Website, the pages You visit   at  the Website and  similar information.None of this  information  identifies You personally.
       

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:
 

1. Business Partners &  Sponsors:   CENTUM may  disclose some or all your personal information to business partners or  sponsors, but this use will be specifically described to You prior to  either the collection or transfer of the personal information.  Many  promotions  offer opportunities  to  request  additional  information   from  sponsors. By requesting more information, You give CENTUM  permission to transfer your personal information to the sponsor so they  can fulfill your request. In many instances, only your e-mail address  will be shared with the sponsor. If we intend on sharing more personal  information with the sponsor than your e-mail, You will be notified  prior to the transfer.
2. Third Party Data and Data in the Aggregate: From time  to time, on the Website You may be offered the opportunity to receive  material or special offers from third parties. If You opt to receive  information from these third parties, CENTUM will (with your permission)  share your name and e-mail address with such third parties.  Under  confidentiality agreements, CENTUM may match Customer information with  third party data.   Also, CENTUM may disclose aggregated Customer  statistics (i.e., where we disclose a characteristic of our Customers as  a group and not as individuals) in order to describe our services to  prospective partners, advertisers, and other third parties, and for  other lawful purposes.
3. Service Providers: Information CENTUM receives  through the Website is provided to service providers retained by CENTUM  including Filogix Inc. , Axiom Innovations Inc. and WhereToLive.com,  Inc., in order to organize and distribute appropriate personal  information to enable CENTUM and its Franchisees to communicate with its  Customers and to provide information about marketing initiatives that  may be of interest to its Customers.
4. Other:  CENTUM may disclose account information in  special cases when we have reason to believe that disclosing this  information is necessary to identify, contact or bring legal action  against someone who may be violating CENTUM’s Terms of Use or may be  causing (either intentionally or unintentionally) injury to or  interference with CENTUM’s rights or property, other CENTUM Customers,  or anyone else that could be harmed by such activities. CENTUM may  disclose or access account information when we believe in good faith  that the law requires it and for administrative and other purposes that  we deem necessary to maintain, service, and improve our products and  services. Note that to the extent that CENTUM retains a canadian and  U.S. located service provider (including for example Axiom Innovations  Inc. and WhereToLive.com Inc.) the personal information in that service  provider’s control or possession is subject to the laws of the  jurisdiction in which it operates.
   

   In case You change your mind or some personal information changes  (such as your postal code or e-mail address), we will endeavour to  provide a way to correct, update or remove the personal information You give us. Additionally, to keep You in control of the communications  directed to You, we offer Customers the opportunity to “opt out” of  having personal information shared with parties outside of CENTUM and/or  its affiliated companies. If You wish, for any reason, to update your  personal information or if You object to any use of your personal  information described in this Website Privacy Policy, You may contact  CENTUM’s Privacy Officer:
 

   CENTUM Privacy Officer
   700-1199 West Pender St. Vancouver, B.C.
   Canada V6E 2R1
 

   Phone: (604) 257-3940
   Fax:   (604) 257-3949
   Email: privacy@centum.ca
 

   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.

   CENTUM  and its  affiliates  and  Franchisees  do not  control such third-party websites,  and, therefore, are not responsible for  their content. The provision of hyperlinks to these websites does not  imply any endorsement of the material on such websites or any  association with their operators. This Website Privacy Policy does not  extend to anything that is inherent in the operation of the Internet  and which is beyond the control of CENTUM, its affiliates or its  Franchisees.

   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.