Thank you for visiting www.syndicatelending.com (the “Website”), provided to you by Syndicate Lending Corporation® (“We”). We respect the privacy of every individual who visits the Website and are sensitive to privacy issues on the Internet. We believe it is important that you know how we deal with information received about you.
WHAT INFORMATION WE COLLECT
We collect and use several types of information from and about you, including:
Personal Information, that we can reasonably use to directly or indirectly identify you, such as your name, mailing address, email address, telephone number, Internet protocol (IP) address used to connect your computer to the Internet, user name or other similar identifier, billing and account information, and any other identifier we may use to contact you online or offline.
Non-personal information is information that does not directly or indirectly reveal your identity or directly relate to an identified individual, such as demographic information, or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from Personal Information. For example, we may aggregate Personal Information to calculate the percentage of users accessing a specific Website feature.
Usage information, including your login information, Internet Protocol (IP) address, browser type and version, time zone setting, browser plug-in types and versions, operating systems and platforms, or information about your Internet connection, the equipment you use to access the Website, and usage details.
Non-personal details about your Website interactions, including the full Uniform Resource Locators (URLs), click stream to, through and from our Website (including dates and time), products you viewed or searched for, page response times, download errors, length of visits to certain pages, page interaction information (such as scrolling, clicks, and mouse-overs), methods used to browse away from the page, or any phone number used to call our customer service number.
HOW WE COLLECT THE INFORMATION
Information You Provide to Us
The information we collect directly from you may include:
In-Store: When you engage with our dedicated representatives during in-person consultations, we may request specific details to better understand your mortgage requirements. This could encompass essential data such as your contact information, financial specifics, property details, and other pertinent information.
Online Accounts: If you sign up for an online account through the Website, we may ask you to provide your username, password, email address, phone number, payment card information, product preferences, past purchases. Online queries will also include stated information in their respective forms.
Marketing Communications: If you would like to receive marketing communications from us, you may do so by signing up on the Website or in our stores. We will ask you to provide your email address or phone number so we can send you marketing materials.
Communicating with us: When you contact us about a customer service issue, or to make other inquiries, we collect the content of those communications, and any additional information about the method of communication such as phone, SMS, email, chat, or through social media platforms. For example, if you email us, we will collect your email address, if you send us a text message, we will collect your phone number, and so on.
Loyalty & Rewards Programs: If you enroll in a loyalty or rewards program, we collect information such as your name, email, telephone number, or mailing address in order to track your rewards and allow you to redeem them across our brands.
Other information you provide online: This includes information provided when you subscribe to our service, post material, or request further services, such a quote. We may also ask you for information when you enter a contest or promotion sponsored by us, and when you report a problem with our Website.
Information We Collect While You Interact With Us Through Cookies and Other Automatic Data Collection Technologies
We may also use these technologies to collect information about your online activities over time and across third-party websites or other online services (behavioural tracking). To learn more or to opt out of tailored advertising, please visit Digital Advertising Alliance of Canada Opt-Out Tool for information on how you can opt out of behavioural tracking on this Website and how we respond to web browser signals and other mechanisms that enable consumers to exercise choice about behavioural tracking.
The information we collect automatically is statistical data and does not include Personal Information. However, we may maintain it or associate it with Personal Information we collect in other ways that you provide to us, or receive from third parties. It helps us to improve the Website and to deliver a better and more personalized service, including by enabling us to: estimate our audience size and usage patterns, store information about your preferences, allowing us to customize the Website according to your individual interests, speed up your searches and recognize you when you return to the Website.
The technologies we use for this automatic data collection may include:
Flash Cookies. Certain features of the Website may use local stored objects (or Flash cookies) to collect and store information about your preferences and navigation to, from, and on the Website. Flash cookies are not managed by the same browser settings that are used for browser cookies.
Web Beacons. Pages of the Website and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that allow us, for example, to count users who have visited those pages or [opened an email] and for other related website statistics (for example, recording the popularity of certain website content and verifying system and server integrity).
Information We Collect About You From Third Parties
We may receive Personal Information about you from various third parties and public sources, such as credit card issuers, financial partners and data analytics firms. We may collect information about you in connection with investigations into fraudulent or criminal activities on the Website and in our stores. We may also collect information from other sources, including for example, joint marketing partners, data analytics firms, public databases, publicly available social media pages, and other third parties we work with.
Google Analytics. We use Google Analytics and web analytics services provided by Google Inc. to help us measure traffic and usage trends. Google Analytics sets a cookie to evaluate your use of the Website and compile reports for us on activity on the Website to help us understand how visitors engage with the Website and track visitor interactions. Google Analytics collects information anonymously and without identifying individual visitors. Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google’s behalf. Google states that it will not associate your IP address with any other data held by Google. By accessing this Website, you consent to the processing of data about you by Google in the manner and for the purposes set out above. Google Analytics uses its own cookies to store information, such as what time the visit occurred, whether the visitor has been to the site before, and what site referred the visitor to the web page. To disable this type of cookie, some browsers will indicate when a cookie is being sent and allow you to decline cookies on a case-by-case basis. In addition to declining cookies, you can also install the Google Analytics Opt-out Add-on in your browser https://tools.google.com/dlpage/gaoptout?%22%20%5Ct%20%22_blank, which prevents Google Analytics from collecting information about your website visits. Learn more about the Google Analytics Opt-out Browser Add-on and other Google Analytics privacy information https://support.google.com/analytics/answer/6004245.
Information We Create Ourselves
We may aggregate and/or anonymize Personal Information so that it will no longer be considered personal information. We do so to generate other data for our use, which we may use and disclose for any purpose. For example, we may calculate the percentage of our site users who have a particular telephone area code.
HOW WE USE YOUR INFORMATION
We use your information, including your Personal Information, to manage our business and to maintain and develop commercial relationships with you. We will collect, use, and disclose such information only to the extent that is necessary for those purposes.
We use information that we collect about you or that you provide to us, including any Personal Information:
To present the Website and its contents to you.
To provide you with information, products, or services that you request from us.
To fulfill the purposes for which you provided the information or that were described when it was collected, or any other purpose for which you provide it, such as facilitating the administration of your purchases, lease, warranty, maintenance program and any recall notices.
To provide you with notices about your account.
To carry out our obligations and enforce our rights arising from any contracts with you or to comply with legal requirements.
To notify you about changes to the Website or any products or services we offer or provide through it.
To improve the Website, products or services, marketing, or customer relationships and experiences.
To allow you to participate in interactive features, social media, or similar features on the Website.
To measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you.
In any other way we may describe when you provide the information.
For any other purpose with your consent.
HOW WE SHARE YOUR INFORMATION
Sharing With Our Partners
We may provide your data, including your Personal Information, to our affiliated companies and brands, to third parties who provide services to you or us, such as Solutions Medias 360 Inc., who developed and operates this Website, to promotional partners, to social media companies, or to other third parties as needed to carry out our business, or comply with a legal obligation.
HOW WE STORE AND SECURE YOUR INFORMATION
We are committed to protecting the confidentiality, integrity, availability and privacy of your Personal Information. We have put appropriate physical, technological and procedural security measures in place designed to help prevent your Personal Information from being lost, used, modified or accessed in an unauthorized way, or improperly disclosed. Examples of such measures include restricted access to offices, training of personnel, using passwords and well-defined internal policies and practices. We also use encryption technology and Secure Socket Layers ("SSL") in all areas of the Website where your personal account information is required, which means the Personal Information you submit to us via the Website is encrypted by your computer and decrypted again on our side. Your personal account information and transaction history are kept behind a firewall.
In addition, we limit access to your Personal Information to those employees, agents, contractors and other third parties who have a business need-to-know. They will be required to process your Personal Information only on our instructions and they are subject to an obligation of confidentiality. Our service providers are required to maintain adequate security protections in place designed to help safeguard your Personal Information and are not permitted to use it for any purpose other than fulfilling services to us.
Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. Any transmission you provide is at your own risk. Once we have received your information, we will apply our security practices to try to prevent unauthorized access, use and/or disclosure. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account you might have with us has been compromised), please immediately notify us of the problem by contacting us in accordance with the “How to contact us” section below.
We may retain non-personal information that has been sufficiently aggregated or anonymized for a longer period.
Once the retention period is over, we will dispose of your Personal Information as provided for in our internal data retention and disposal policy.
Where We Store Information.
OTHER WEBSITES AND SERVICES - THIRD PARTY PAYMENT SERVICE.
The Website is operated from Vancouver, British Columbia Canada for Syndicate Lending Corporation®. Any conflict between you or us is therefore subject to the laws applicable in the Province of British Columbia and the applicable laws of Canada. Furthermore, you hereby agree to submit to the exclusive jurisdiction of the courts of the Province of British Columbia in respect of any action or proceeding arising out or related to the Website.
HOW TO CONTACT US