Privacy Policy

Last Updated On Mar 21 2020

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.

As permitted or required by law
Citadel Mortgages may disclose information when compelled in response to a law, regulation, court order, subpoena, valid demand, search warrant, government investigation or other legally valid request or inquiry. We may also disclose information to our accountants, auditors, agents and lawyers in connection with the enforcement or protection of our legal rights. We also reserve the right to report to law enforcement agencies any activities that we, in good faith, believe to be unlawful or to law enforcement and emergency services providers, in an emergency or where required or permitted by law. We may release certain personal information when we have reasonable grounds to believe that such release is reasonably necessary to protect the rights, property and safety of others and ourselves, in accordance with or as authorized by law.

Business transaction
We may disclose personal information to a third party in connection with a sale or transfer of business or assets, an amalgamation, re-organization or financing of parts of our business. However, in the event the transaction is completed, your personal information will remain protected by applicable privacy laws. In the event the transaction is not completed, we will require the other party not to use or disclose your personal information in any manner whatsoever and to completely delete such information.

Other types of sharing
We may also disclose our customers’ personal information to an individual who, in the reasonable judgement of Citadel Mortgages, is acting on behalf of the individual in question, such as through a power of attorney. For information on how you can limit the type of information that we collect, use or share about you when you visit and/or use our website, please refer to the Website section of this Privacy Policy.

Business Analytics
We may share aggregated customers and/or website users’ information with our partners or entities within the Citadel Mortgages group. This information does not allow identifying individual customers nor users, and is only used to provide our partners a better understanding of the general profile of customers of our products and/or services and users of our website, trends in the industry, or similar type of information. We do not link aggregate user data with personal information.

Google Analytics
We use Google Analytics which allows us to see information on user website activities including, but not limited to, page views, source and time spent on our website.This information is depersonalized and is displayed as numbers, meaning that it cannot be tracked back to individuals. You may opt-out of our use of Google Analytics by visiting the Google Analytics opt-out page.

Google AdWords
We use Google AdWords Remarketing to advertise Citadel Mortgages across the Internet and to advertise on third party websites (including Google) to previous visitors to our websites. AdWords remarketing will display ads to you based on what parts of the website you have viewed by placing a cookie on your web browser. It could mean that we advertise to previous visitors who haven’t completed a task on our site or this could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. This cookie does not in any way identify you or give access to your computer or mobile device. The cookie is only used to indicate to other websites that you have visited a particular page on our website, so that they may show you ads relating to that page. If you do not wish to participate in our Google AdWords Remarketing, you can opt out by visiting Google’s Ads Preferences Manager.

Third Party Advertising
We may use third-party advertising companies to collect data and/or serve ads when you visit our website. These companies may use information about your visits to our website and other websites in order to provide advertisements about goods and services of interest to you, at all times, in compliance with applicable privacy laws. These companies may also use other types of technologies to recognize your computer or device and/or to collect and record information about your web surfing activity including your activities on or off this website. Please keep in mind that your web browser may not permit you to block the use of these non-cookie technologies, and those browser settings that block cookies may have no effect on such techniques. You can also generally opt-out of receiving personalized ads from third party advertisers and ad networks who are members of the Digital Advertising Alliance of Canada. Please visit the DAAC opt-out page for more information, including if you would like more information about this practice and to know your choices about not having this information used by these companies at : http://youradchoices.ca/.

Privacy Policies of Third Parties
This Privacy Policy only addresses the use and disclosure of information by Citadel Mortgages. Other websites that may be accessible through Citadel Mortgages websites have their own privacy policies and data collection, use and disclosure practices. We encourage you to familiarize yourself with the privacy statements provided by all third parties prior to providing them with information or taking advantage of an offer or promotion.

Mobile App Data Collection
In the event that you download and/or use any of our applications, we may require and collect, directly from you, information necessary to authenticate you. We may also record your IP geolocation, allowing us to block the access when the user is outside of Canada. When you register on certain apps, you may be required to agree that we may send you notifications regarding your property evaluation, credit score, or general information by electronic messaging on a periodic basis. If you no longer want to receive any notifications, you can unsubscribe at any time.

Quality and Access Rights
Citadel Mortgages strives to ensure that customers’ personal information is as accurate, complete, and up-to-date as is necessary for the purposes for which it is used. YourEsign provides customer access to their personal information. Customers may corrector amend any inaccuracies in their personal information by contacting us using the contract information detailed in the section How to Contact Us of this Privacy Policy. Citadel Mortgages has the right to refuse a request for access to personal information if the information is protected by legal privilege, granting access would reveal confidential commercial information, the information was collected for purposes related to the detection and prevention of fraud, the information was generated in the course of a formal dispute resolution process, the information would likely reveal personal information about another individual, the request is vexation or frivolous or any other reason, as authorized under applicable laws.

Personal Information Outside of Canada
In some cases, personal information that we manage may be transferred, processed and stored outside Canada, and therefore may be available to government authorities under lawful orders and laws applicable there.

 

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.

 

10. Price PrivilegesTM fuel discount cards give you cents-per-litre savings on fuel at Canada’s
largest retail fuel network of approximately 2,000 Esso
TM and MobilTM stations.  

 

FUEL
DISCOUNT CARDS ARE NOT GIFT CARDS AND WILL NOT COVER THE ENTIRE FUEL PURCHASE
AMOUNT.
 

 

For more information, visit giftcards.esso.ca/price-privileges

Esso and Price Privileges are trademarks of Imperial Oil Limited. Imperial Oil, licensee.  Mobil and Speedpass+ are trademarks of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee. For terms and conditions, visit giftcards.esso.ca/terms 

Please note all terms and conditions can change at anytime. 

You agree to these terms and conditions.

Copyright © 2018 Citadel Mortgages  Lic # 12993,

Head Office – 150 King Street West 2nd Floor Suite 335, Toronto, ON M5H 1J9

Alberta Office – 421 7th Avenue S.W., 30th Floor, Calgary, Alberta, T2P 4K9

All rights reserved

“Instant Approval, Conditional Approval, Pre-Approval” – Borrower subject to credit and underwriting approval. Not all borrowers will be approved for conventional financing or equity financing. Receipt of borrower’s application does not represent an approval for financing or interest rate guarantee. Restrictions may apply, Annual APR is subject to approval and underwriting, APR includes all fees and rate which is calculated on a yearly term. APR varies contact us for current rates or more information on a specific product. OAC*

®™ Trademarks of AM Royalties Limited Partnership used under license by LoyaltyOne, Co. and Citadel Mortgages

Esso and Price Privileges are trademarks of Imperial Oil Limited. Imperial Oil, licensee.  Mobil and Speedpass+ are trademarks of Exxon Mobil Corporation or one of its subsidiaries. Imperial Oil, licensee. For terms and conditions, visit giftcards.esso.ca/terms

  1. In order to receive upto 1,000 Miles you must be a registered and provide a valid AIR MILES Collector Number to the Citadel Mortgage agent at the time of application; your mortgage must close and fund with Citadel Morttgages. Miles will be credited to your Collector Account within 30 days after all conditions have been met.

2. All rewards are offered subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. To redeem for Travel and/or Merchandise Rewards, you must have accumulated sufficient AIR MILES Reward Miles in your Dream Balance. Some restrictions may apply. Quantities may be limited. Collectors must pay applicable surcharges, fees and taxes on air, hotel and car rental Rewards. Travel Rewards may be subject to a minimum advance booking and availability from participating Suppliers. Merchandise Rewards include all taxes, shipping and handling costs. No cancellations, exchange or refunds for tickets, certificates or merchandise once booked or ordered. Manufacturers’ warranties apply to merchandise Rewards. LoyaltyOne, Co. makes no representations or warranties, express or implied. For complete details, see current Program Terms and Conditions, available at airmiles.ca or the AIR MILES Customer Care Centre at 1-888 AIR MILES (or in Toronto call 416-226-5171).

3. Use Miles in the Cash balance of your AIR MILES Collector Account in-store in increments of 95 Cash Miles for $10 towards purchases at participating AIR MILES Partner locations and online at airmiles.ca/cash in increments of 95 Cash Miles for every $10 value from participating Reward Partners to a maximum of $750 per day. eVouchers can be used at participating Reward Partners’ locations in Canada only. See specific eVoucher reward page for details and any restrictions. Visit airmiles.ca/cash to learn more. You must have accumulated sufficient Cash Miles in your Collector Account in order to use Miles towards in-store purchases and eVouchers. All Rewards offered are subject to the Terms and Conditions of the AIR MILES Reward Program, are subject to change and may be withdrawn without notice. For complete details, visit airmiles.ca.

4. A short haul flight is a return flight with origin and destination within the same flight zone having a departure date during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15.

5. Flight examples shown are for illustrative purposes only. Examples represent the number of AIR MILES Reward Miles required during low season of January 8 – February 28; April 1 – May 31; September 16 – December 15. The required number of Miles is determined by the departure date. Miles required are the “starting from” rates for round-trip travel in economy class per traveller.

6. Mortgage applications are subject to meeting Citadel Mortgages and our lenders usual credit criteria.

7. All mortgages must close and fund with Citadel Mortgages, this offer is vaiild with any new or renewal mortgage and offer can change at any time without notice.

8. AIR MILES® Bonus Miles are suject to a closed mortgage that fund with Citadel Mortgages. The AIR MILES® Bonus Miles will be added to the account 30 days after mortgage closes,.

Please note all terms and conditions can change at anytime.

Trademarks of AIR MILES International trading B.V. Used under license by LoyaltyOne, Co. and Citadel Mortgages

You agree to these terms and conditions.

Visit airmiles.ca/WhereCanIFly to help you calculate the number of Miles you need to fly to your selected location.

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