Please read the terms and conditions of this agreement ("Agreement") carefully. By accessing this web site, you agree to be bound by the terms and conditions below. If you do not agree to the terms and conditions below, do not access this website and any web pages thereof.
This website www.joemalek.ca website is owned and operated by Joe Malek, Ontario mortgage agent license #M08004649
of VERICO Mortgage Network London Inc., Licence # 10426, 321 Springbank Drive, London, Ontario, N6J 1G6, Independently Owned and Operated.
In this Agreement, "you" and "your" refer to persons who access this web site and web pages. "I", "we", "us" and "our" refer to VERICO Mortgage Network London Inc. or affiliated mortgage lenders, mortgage brokers or mortgage agents.
Introduction & Our Commitment to You:
We are committed to protecting the information you provide. We understand that you are entrusting us with your most personal information, and how we use and handle this information will have a great impact on you.
It is important for you to know that in order to provide you with the very best service and the highest quality products, we collect demographic information (like your name and address) and other personal information. In addition, during your visit to our website we may collect certain information about your Internet usage.
We Respect Your Privacy:
Since some of the information we gather is not publicly available, we take great care to ensure that this information is kept safe from unauthorized access and we do not share the information in violation of any regulation or law.
Because we respect your privacy and values your trust, the only employees or companies who access your private personal information are those who use it to service your account or provide services to you or to us. We diligently maintain physical, electronic and procedural safeguards that comply with applicable standards to guard your private personal information and to assist us in preventing unauthorized access to that information.
How We Share Information with Companies Affiliated with Us:
When you submit your mortgage application to us online we share this information with employees and other companies, such as service providers, our co-brokers, lenders, appraisers, title insurance, mortgage and life insurance companies and closing solicitors.
The information we share comes from your application, for instance your name, address, telephone number, social insurance number, e-mail address, assets, liabilities and income. Finally, we provide information about you to non-affiliated companies such as credit reporting agencies and companies that provide services related to your account. This information sharing is also permitted by law.
We destroy information after it is no longer needed:
Information that is no longer needed is destroyed. We are required for certain legal, tax and accounting reasons to keep customer information for up to 7 years. You can request that we purge the entirety of the personal information submitted by you through this website from our database by providing detailed instructions to Privacy Officer below. In such cases we will delete all digitally warehoused information you have submitted.
Please note that we cannot purge information from the systems or files of our affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services.
We ask others to maintain confidentiality:
When your information is provided to our affiliated companies with whom we have a business relationship, we will seek to require that affiliate to adhere to adequate privacy policies to maintain the confidentiality of your information and to ensure the reliability and accuracy of the information as required by law.
Mr. Roger Belling
VERICO Mortgage Network London Inc.
321 Springbank Drive
To review your personal information held by us, please make your request in writing by fax to 519-657-5011