Privacy Policy

By Referral Mortgage Consultants-BRMC it's licensees and affiliates collectively are committed to protecting the privacy of its users, adhering to the principles of trust, integrity and professionalism in accordance with the highest moral and ethical standards.

To better understand how By Referral Mortgage Consultants-BRMC protects your privacy when you deal with us online we provide this Privacy Policy, which explains our online information practices and the choices you can make about the way your information is collected and used.

To make this Privacy Policy easy to find, we make it available on all of our website pages including every point where personally identifiable data may be requested. Our policies and practices adhere to the "Ten Principles of Privacy" which comply with the Personal Information Protection and Electronic Documents Act (PIPEDA) and corresponding provincial privacy acts.

The Ten Principles of Privacy

Accountability
Identifying the Purposes of Collecting Personal Information
Obtaining Consent
Limits for Collecting Personal Information
Limits for Using, Disclosing and Keeping Personal Information
Keeping Personal Information Accurate
Safeguarding Personal Information
Making Information about Policies and Procedures Available
Providing Access to Personal Information
Handling Complaints and Questions

1. By Referral Mortgage Consultants-BRMC's Accountability

By Referral Mortgage Consultants-BRMC is accountable for all personal information in its possession or control, including any personal information transferred to third parties for processing. By Referral Mortgage Consultants-BRMC has established policies and procedures to comply with this Privacy Code, and has designated one or more persons accountable for compliance.

2. Identifying the Purposes of Collecting Personal Information

By Referral Mortgage Consultants-BRMC will inform individuals of the purpose for which personal information will be used before or when they consent to its collection.

If you submit a mortgage application to By Referral Mortgage Consultants-BRMC you are required to provide certain information necessary to deliver the selected services. Information can range from name, address, etc and can be as extensive as personal and financial information. The collection of this information is required in order to provide the necessary services.

3. Obtaining Consent

By Referral Mortgage Consultants-BRMC will obtain consent before or when it collects, uses or discloses personal information about an individual. An individual can provide consent to the collection, use and disclosure of personal information about them expressly, implicitly, or through an authorized representative. An individual can withdraw consent at any time, with certain exceptions. By Referral Mortgage Consultants-BRMC will collect, use or disclose personal information without an individual's consent only in limited circumstances as permitted by law.

4. Limits for Collecting Personal Information

By Referral Mortgage Consultants-BRMC limits the amount and type of personal information it collects. By Referral Mortgage Consultants-BRMC will collect personal information only for the identified purposes or as otherwise permitted by law.

5. Limits for Using, Disclosing and Keeping Personal Information

Personal information shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law.

Personal information shall be retained only as long as necessary for the fulfillment of those purposes. All information provided to the By Referral Mortgage Consultants-BRMC, either on this website or through any other means of communication, is held to be confidential and may be released to other credit grantors as deemed necessary for the purpose of securing mortgage financing.

By Referral Mortgage Consultants-BRMC has taken extensive measures to ensure the confidentiality of your information and prevent unauthorized access or disclosure.

6. Keeping Personal Information Accurate

By Referral Mortgage Consultants-BRMC will keep the personal information in its possession or control accurate, complete, current and relevant, based on the most recent information available to By Referral Mortgage Consultants-BRMC Individuals may challenge the accuracy and completeness of personal information about them at any time and have it amended as appropriate.

7. Safeguarding Personal Information

By Referral Mortgage Consultants-BRMC protects personal information with safeguards appropriate to the sensitivity of the information. The personal information that you provide will be kept in a file stored on our database(s) using database encryption and password protection. We also have organizational processes in place to limit access to your personal information to selected groups of individuals.

By Referral Mortgage Consultants-BRMC uses SSL and 128-bit encryption for data transmission. More info

8. Making Information about Policies and Procedures Available

By Referral Mortgage Consultants-BRMC will be open about the procedures used to manage personal information. Individuals will have access to information about these procedures through this Privacy Code, by contacting our Associates or by contacting the Privacy Officer. The information will be available in a format that is easy to understand.

9. Providing Access to Personal Information

When an individual requests it, By Referral Mortgage Consultants-BRMC will advise the individual what personal information By Referral Mortgage Consultants-BRMC has in its possession or control about the individual, what it is being used for, and to whom it has been disclosed.

When an individual requests it, By Referral Mortgage Consultants-BRMC will give an individual access to personal information about them which is in the possession or control of By Referral Mortgage Consultants-BRMC . In certain situations, however, By Referral Mortgage Consultants-BRMC may not be able to give individuals access to all of their personal information.

10. Handling Complaints and Questions

Customers may direct any questions or inquires with respect to the privacy principles outlined above or about our practices by contacting the designated person(s) accountable for privacy as indicated below.

Our Address

360-3033 Immel St. Head Office (Also in Chilliwack, Mission, Maple Ridge)
Abbotsford, BC
V2S 6S2

Phone and Fax Numbers

Head Office Number:	(888) 236-8863
Office Number:	(604) 615-1312
Office Number (toll-free):	(888) 236-8863
Direct Number:	(604) 826-2599
Fax Number:	(604) 795-2770
Cell Number:	(888) 236-8863