By accessing or using this website and the services it offers, you consent to the collection, use and disclosure of your personal information in the manner described on this webpage. You can of course withdraw your consent at any time, but if you choose to do so you may not be able to access the full range of services I offer. For example, if you do not provide an email address or phone number to respond to your inquiry, I won’t have a way to contact you with the information you requested!
COLLECTION OF INFORMATION
Your information is only collected to respond to your requests and queries, communicate my newsletter to you (if you have opted-in to receive it), conduct website analyses to improve my website, and understand your preferences and tailor offers and services to you based on these preferences.
Where possible, I only collect information that you submit to me (for example, if you send me a message through the “Contact Me” webpage).
However, like many other websites, it does use passive tracking technologies and third-party analytics tools to collect information from you. These tools may automatically monitor and track information relating to your activities on the website, including the Internet Protocol (IP) address of your computer, the IP address of your Internet service provider, the date and time you access the website, the Internet address of the website from which you linked directly to the website, etc. We describe some of these tools below under “Cookies”, “Tracking”, “Advertising” and “Social Media”.
This website uses standard technology known as “cookies” including session cookies and persistent cookies. Session cookies temporarily keep your settings. This information is stored until your browser is closed. These cookies remain after the browser is closed and are stored locally on your system. We do not use these cookies to store personal information. You may choose to delete persistent cookies after visiting the website.
This website uses Google Analytics, a web and mobile analytics tracking tool provided by Google, for audience activity, demographics reporting, and remarketing. You can opt-out of Google Analytics by installing a browser plug-in available on Google’s website.
This website collects information about how our website is used. Each time a visitor comes to the website our web server collects the visitor’s domain name or IP address. We cannot determine an individual’s identify from only an IP address.
This website takes part in ad retargeting, which requires our third-party advertisers to place cookies in your browser. When you visit this website, advertising cookies will be placed on your computer so that We can understand what you’re interested in on this website. Our display advertising partner then allows us to present you with retargeting advertising on other websites you visit, based on your previous interaction with this website. The techniques used do not collect personal information at all, such as your name, email address, or telephone number, unless it is supplied to us voluntarily, like by completing a form. Any information you supply is kept confidential, and it is never sold or transferred to any third-party companies. If you want to opt out of targeted advertising, you can do that here.
You can also connect with me through third-party social media platforms linked to the website, such as Twitter or LinkedIn. If you also use one of these platforms to interact with our website and services, your information may be collected. For example, if you tag me in your Twitter posts, other users of Twitter may be able to see your profile. Your use of third-party social media platforms remain subject to the terms and conditions and privacy policies of such platforms.
DISCLOSURE OF YOUR PERSONAL INFORMATION
I will never sell, rent or otherwise give your personal information to any marketing companies or others! Any information that might be provided to a third-party will only be provided if it is aggregated or anonymized so the information cannot identify you.
There are some other situations where I might disclose your personal information, such as:
• When I am required or authorized by law to do so (e.g., a court order);
• When you have consented to the disclosure;
• When the services I am providing you requires us to give information to a third-party service provider (e.g., if you ask me to assist you with using a mortgage calculator or connect you with a mortgage advisor);
• When it is necessary for me to establish or collect any amount owing to me.
This website may use service providers outside of Canada to process and/or store personal information for me (for example, the website host might have servers in the US). Please note that the personal information in the custody of those service providers may be subject to access by law enforcement of those jurisdictions where the service providers are located. If you have any questions about this, please feel free to contact me.
PROTECTING YOUR PERSONAL INFORMATION
I take commercially reasonable physical, technical and organizational efforts to protect your personal information. However, I cannot be responsible for theft, misuse, unauthorized disclosure, loss, alteration or destruction of data by a third party (e.g. a hacker).
ACCESSING, UPDATING, AND CORRECTING YOUR PERSONAL INFORMATION
You have a right to know about the personal information I hold about you and how we have used it. Subject to any exceptions prescribed by law, you can access and correct the personal information I have about you and update it so it is accurate and complete. I might deny you access when required or authorized by law. If I deny your request, I will explain to you why.
I only keep your information as long as necessary to complete my dealings with you, or as required by law, whichever is longer. You can also request that I delete your information by contacting me and I will make every effort to honour your request (for example, if you decide you no longer want your full name on your testimonial).
THIRD PARTY LINKS AND SOURCES OF INFORMATION
NOT INTENDED FOR MINORS
This website is not intended to solicit information from any kind from persons who are under the age of majority of residence (Minors) without the required consent from their parents/guardians. If the information collected belongs to a Minor, I will promptly delete it with parental consent. If you are a parent and you think your child may have submitted information on this site, please Contact Me.
**Please be aware that if you choose to communicate with me via email, that email is not 100% secure for sending any personal or confidential information.**
Last Updated: December 20, 2017