Privacy Policy

Last Updated On Feb 1st, 2018

 

Citadel Mortgages Privacy & Security Statement

Citadel Mortgages recognizes the importance of safeguarding your privacy and the information collected from our clients. This privacy statement covers the scope of usage of this website and also details about the information collected from you. This policy states how the information gathered is used and how you can manage it.

Information Gathered

To process your requests and transactions, we gather specific personal details from you when you register or signup for any service. This information may be used to contact you directly when required. However, in most cases, it will be reserved for administrative purposes so that we can review these details in order to provide you with more efficient services.

We respect the privacy of all our clients and assure that all the personal information collected is kept completely secure. We do not sell, trade, rent, transfer, or exchange your information with any third party vendor or affiliate. The information gathered will be released only if it is deemed necessary by law. We may, in order to provide a more secure service, exchange your personal information with individual trusted companies and organizations for fraud protection and for ensuring a safer transaction gateway.

Cookies

Our website uses cookies to track your personal preferences when you browse our site. A cookie is a small packet of data sent to your browser from a web server. It is stored on your hard drive and can be recalled to allow easy and quick access to the website upon return. Details such as your contact information, username, and password are usually stored in cookies for easy retrieval.

If you do not wish to keep a log of your information, you can configure your browser to reject all cookies or to notify you whether to accept a cookie or not. Disabling the cookies may reduce the functionality of certain aspects of our website. To find out more about enabling and disabling cookies, please check the Help section of your browser.

Log Files

Our servers keep a log of your IP address to monitor user movement and determine site traffic statistics. This helps us analyze our main clientele and configure our website in order to serve you better. IP addresses are in no way linked to your personal information and will be kept strictly confidential at all times.

External Links

Our website may contain links to external sites. We are not responsible for the privacy and security practices of such sites. We advise you to exercise your discretion when dealing with such third party vendors.

Subscription Services

Our site has various subscription services for which you can register in order to receive periodic emails to the account you specified. If at any time you wish to unsubscribe from a particular service, please send us an email at our support address or click on the Unsubscribe link provided at the end of each mail.

Changes in Privacy Policy

In the event of us changing or amending the Privacy Policy, the same will be posted on this page.
If we decide to use your personal information in any other manner than specified in this policy, you will be notified via email. You will have the option of opting out of such use of your personal information.

CAN-SPAM Act

The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out severe penalties for violations.

We collect your email address in order to:
• Send information, respond to inquiries, and/or other requests or questions.
• Process orders and to send information and updates pertaining to orders.
• We may also send you additional information related to your product and/or service.
• Market to our mailing list or continue to send emails to our clients after the original transaction has occurred.

To be in accordance with CAN-SPAM, we agree to the following:
• NOT use false or misleading subjects or email addresses.
• Identify the message as an advertisement in some reasonable way.
• Include the physical address of our business or site headquarters.
• Monitor third-party email marketing services for compliance if one is used.
• Honor opt-out/unsubscribe requests quickly.
• Allow users to unsubscribe by using the link at the bottom of each email.

If at any time you would like to unsubscribe from receiving future emails, you can email us at
• Follow the instructions at the bottom of each email.
And we will promptly remove you from ALL correspondence.

 

Contacting Us

Anytime one of our mortgage agents call you or you call into our company, the call may be recorded for support and training purposes. 

If you have any questions or comments about this privacy policy or your dealings with us, you can use the contact us page to reach out to us.

 

Terms of Use

  1. About these Terms of Use

Last updated: 11 March 2019

We are Citadel Mortgages incorporated in Toronto Ontario Canada , our brokerage license number is  12993. Our registered office is at 30 St Patrick Street 4Th Floor, Toronto,Ontaro Canada, M5T 3A3.

These Terms of Use apply to the use of this website, regardless of how you access it. Please read these Terms of Use carefully before you proceed.

We may, at any time and without notice, terminate your access to or use of this website. If we do so, you do not have the right to bring any claim or claims against us.

  1. Consent to Terms of Use

By using this website you agree to these Terms of Use.

If you do not agree to these Terms of Use, please do not use this website. These Terms of Use were last updated on the date shown at the top. We may change these Terms of Use at any time by posting an updated version on our website, so you may wish to check it before using this website. You may only use this website for lawful purposes.

  1. Copyright notice

Unless we expressly state otherwise, the copyright and any other intellectual property rights, including but not limited to design rights, trade marks and patents appearing anywhere on this website remain our property, whether owned by or licensed to us.

You may not use any of the material on this website without our prior written permission for your own commercial purposes, whether by reproducing, copying, downloading, printing, linking to, editing, broadcasting, distributing or otherwise.  You may use it for your own personal non-commercial use.

  1. Disclaimer

Accessing or using this website or its content in any way is done entirely at your own risk. You will be responsible for any loss or damage to any computer, device, software, systems or data resulting directly or indirectly from the use or inability to use this website or its content. 

We are under no obligation to provide uninterrupted access to this website. We reserve the right to restrict your access to this website at any time and for any reason.

We do not guarantee that the contents of this website will be free of errors, bugs, worms, trojans or viruses or otherwise make any representations as to the quality or accuracy or completeness of the content available on the website including, but not limited to any price quotes, stock availability data or non-fraudulent representations. You are responsible for maintaining appropriate software on your computer or device to protect you from any such errors, bugs, worms, trojans or viruses.

To the fullest extent permissible by law, we exclude any and all liability to you resulting from your use of the website or connected to these Terms of Use. This exclusion includes but is not limited to any type of damages, loss of data, income or profit or loss or damage to property belonging to you or third parties arising from the use of this website or its contents.

Nothing in these Terms of Use is intended to limit our liability to you for death or personal injury resulting from our negligence or that of our employees or agents.

  1. Links to third party websites

This website may provide links out to websites or other online resources under the control of third parties.  Any such links are provided solely for your convenience.  We have no control over the contents of these third-party resources. We are not responsible for the contents of any linked websites and do not endorse them in any way.

  1. Links from third party websites

You can only link to our website with prior written permission from us. We reserve the right to withdraw any such permission at any time. 

  1. Privacy policy

We take your privacy and the protection of your data very seriously. We may gather and/or use certain information about you in accordance with our privacy policy. Please see our separate privacy policy for more information.

  1. Entire agreement

These Terms of Use are the entire agreement between us and you, and supersede any and all prior terms, conditions, warranties or representations to the fullest extent permitted by law.

  1. Applicable law

This Agreement shall be governed by the law of Ontario and courts of Ontario  will have exclusive jurisdiction in relation to these Terms of Use.

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