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PRIVACY POLICY
This Privacy Notice describes our privacy practices as they relate to personal
information. Personal information means any information about an identifiable
individual.
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This Privacy Policy describes our privacy practices as they relate to personal
information. Personal information means any information about an identifiable
individual that is recorded in any form (paper, digital or electronic form).
How we collect your personal information and what we do with it:
1. OUR COMMITMENT FOR YOUR PRIVACY
Because protecting your personal information is important to us, we at CMHC have
adopted strong principles in that respect.
We tell you why we use your personal information.
We limit how much personal information we collect, use, communicate and store to
what is necessary for our purposes and permissible pursuant to the Privacy Act.
Sometimes, our service providers need access to your personal information. They
are only allowed to use your personal information to provide services on our
behalf. The only exception is when they have a legal obligation to disclose your
personal information to the authorities.
We give you the option to control your personal information and we offer you
tips on how to control the personal information we collect. We also have
a Privacy Office that responds to your privacy concerns and an ATIP Office that
can provide you with access to your personal information and implements the
corrections that you have requested.
We may communicate your personal information to authorized parties without your
consent where permitted or required by applicable law.
2. TYPES OF INFORMATION WE COLLECT
THE PERSONAL INFORMATION WE COLLECT INCLUDES BUT IS NOT LIMITED TO:
Identification information: For example your name, photo ID, date of birth,
gender, diversity aspects, citizenship status
Family information: For example marital status, number of dependents
Contact information: For example your phone number, personal address, email
address
Financial information about you: For example your income, employment situation,
salary, personal assets and liabilities, financial statements
Habits and preferences information: For example which relates to your use of our
products and services, data from your interactions with us, our website, our
apps
Education and employment information: For example your résumé, level of
education, employment, interview notes, remuneration, references
3. WHEN AND HOW WE COLLECT YOUR PERSONAL INFORMATION
CMHC collects personal information that relates directly to an operating program
or activity of CMHC. Examples of personal information we collect includes the
following:
3.1 WE COLLECT PERSONAL INFORMATION WHEN YOU GIVE IT TO US DIRECTLY
For example:
* When you apply for a loan
* You apply or subscribe to one of our programs or initiatives
* When you apply for a job
* When you fill in an online form
* When you subscribe to receive updates from us
3.2 WE ALSO COLLECT PERSONAL INFORMATION OBTAINED FROM SOURCES OTHER THAN
YOURSELF
For example:
* From Approved Lenders when you are applying for mortgage loan insurance
* From credit reporting agencies, as part of our due diligence when you apply
for a loan, mortgage loan insurance, for collection purposes and as part of
our fraud risk management program
* From our services providers for web analytics or ads
* From social media websites to respond to your inquiry or for statistical or
analytical purposes.
* From third parties who have obtained the necessary consent to share this
information with us or who are authorized to share this information with us
pursuant to applicable law
3.4 WHEN YOU BROWSE OUR WEBSITE, WE USE COOKIES THAT TRACK YOUR ACTIVITIES
We collect information about how you use our website. Even though this
information is not linked to your identity, it can be in certain circumstances,
such as, for example, through the use of cookies. This is why we consider this
data to be personal information as well when linked to your identity. The data
we collect includes:
* The pages of our website that you viewed
* The date, time and duration that you viewed those pages
* The region where you are connecting from (geolocation)
* The web browser used (Chrome, Edge, Firefox, Internet Explorer, Opera, etc.),
browser settings and the type of device used (Mac or PC, mobile or desktop,
etc.)
* AdWords used and references from which websites, applications or social media
you come from before your visit
How we track your activities
When you browse our website, we track your activities to infer your interests
based on pages you have visited. We may do so to know what your interests are,
to promote our products and services to you, and to offer you products or
services that are more relevant to you.
What cookies are and what we can do with them
Cookies are files that a website automatically creates and stores on your
computer to collect information on your web browsing activities. Like most
websites, we use first-party cookies to improve your user experience.
Our website creates cookies that allow us to recognize you the next time you
visit our website
For example, we can know if you have already completed a survey so we do not ask
you to do it again. These cookies are called persistent cookies, because they
stay in your browser after you have closed your session.
We also use third-party cookies for marketing purposes. With marketing and
remarketing cookies, we can:
* Automatically create lists about our users' interests based on pages they
have visited, not only within the CMHC website, but also with other websites
* Use this information to target users with specific ads
* Analyze how well our ads perform for a specific audience
For example, if you visit a page about business loans, an alphanumeric code that
identifies you will be added to a list of users who are interested in financing
solutions. This code will also be stored in a cookie on your computer. As a
result, you may see a CMHC ad about financing solutions on a different website.
You can disable cookies
You may adjust your browser settings to manage and/or delete cookies as you
wish. Please consult your browser’s Help Menu for instructions.
3.5 WE USE DIGITAL ANALYTICS TOOLS TO COLLECT DATA ABOUT HOW YOU USE OUR WEBSITE
(WEB ANALYTICS)
We use digital analytics tools to analyze how you use our website.
Digital analytics tools typically makes your data anonymous by removing part of
your IP address.
Digital analytics tools relies on cookies to collect information. Cookies used
by digital analytics tools will expire two years after your last visit to our
website. For more information, consult the Google Analytics website and privacy
policy.
3.6 THIS POLICY DOES NOT COVER PERSONAL INFORMATION YOU GIVE TO SOCIAL MEDIA
COMPANIES OR ONLINE PAYMENT PROVIDERS
When you interact with us through social media, you give information to social
media companies and not to us. This information is covered by each platform’s
own privacy policy. Keep in mind that information you publish on social media
can be seen by others.
When you pay online for our services, you give your payment information to an
online payment provider. This information is processed by the online payment
provider and it is covered by its own privacy policy.
4. WHY WE USE YOUR PERSONAL INFORMATION
We use your personal information or discloses it to third parties for the
purpose for which the information was originally obtained or compiled, for a use
consistent with that purpose or for a purpose permitted under the Privacy Act.
Examples of use include the following:
4.1 FOR BUSINESS PURPOSES
To identify you
We use your personal information to identify you.
To register you
We use your personal information to register you, for example, for an event.
To communicate with you
We use your personal information to communicate with you and to answer your
questions about our products or services.
To determine if you are eligible for a loan, program or specific services
When you apply for a loan, one of our programs or request a specific service
from CMHC, we use your personal information as part of our due diligence to
determine if you meet the conditions to receive the loan or service you have
applied for or requested. This may include the validation of your credit
worthiness, your identity, your age, your assets and your liabilities.
To advise you when you request our products or services and to improve your
experience
We use your personal information to provide tailored advice and direct you
towards the most appropriate resources, products and services upon request. This
way, we make sure our advice, resources, products and services are best suited
to your profile.
4.2 FOR DIGITAL ANALYTICS PURPOSES
To analyze how you use our website, social media presence and email newsletters
and to improve your experience
We collect and analyze data about web traffic and visits on our website, as well
as interactions with our social media accounts and email newsletters. This is
called digital analytics. Digital analytics allow us to:
* Understand how you use our website, social media and email newsletters
* Improve your experience
* Further develop our business and operations
4.3 FOR MARKETING PURPOSES
To promote our products and services to you
If you have signed up to receive updates from us, we may send you promotional
emails, newsletter, social media ads or other electronic messages.
We also use cookies to publish ads that target our users based on pages they
have visited. You may see our ads when you browse the Web even though you never
subscribed to anything. If this is a concern for you, there are things you can
do to disable cookies.
To offer you products and services that meet your needs
We use your personal information to offer you advice or other opportunities for
CMHC products or services you may be eligible for.
4.4 FOR HIRING PURPOSES
To allow you to apply for jobs
We use your personal information to evaluate your job application and to contact
you if needed.
4.5 FOR OTHER PURPOSES LISTED IN THE PRIVACY ACT
We comply with the Privacy Act. In some cases, the law allows us to use your
personal information for other purposes than those listed above. For example, we
can use personal information to detect and prevent fraud or to comply with court
orders.
5. HOW WE STORE YOUR PERSONAL INFORMATION
5.1 WHERE WE STORE IT
The majority of your personal information is stored in Canada but exceptionally,
it can be stored outside Canada because of some of the third-party service
providers we use to store and process your personal information.
5.2 HOW WE KEEP IT SECURE
We take the safeguarding of your personal information seriously. We have
implemented security policies and practices in the interest of protecting your
information as user or visitor to our website from unauthorized access, improper
use, alteration, unlawful or accidental destruction, and accidental loss. CMHC’s
security infrastructure is designed to block unauthorized access while
permitting authorized communications.
While we have taken reasonable efforts to protect the confidentiality and
integrity of your personal information, CMHC cannot guarantee the security of
electronic systems or email and cannot be held responsible for unauthorized or
unintended access that is beyond our control. CMHC also cannot guarantee,
warrant, or represent in any way that the personal information you provide will
be transmitted securely or protected completely against interception, loss,
misuse or alteration, and we strongly recommend that you use appropriate
discretion before transmitting sensitive personal information electronically.
5.3 HOW LONG WE STORE IT FOR
Although at a minimum personal information is retained for 2 years in compliance
with the Privacy Act, we may retain your personal information for as long as
necessary to accomplish our business purpose and compliance needs in accordance
with our retention and disposition schedules in place for all our records.
6. TO WHOM WE COMMUNICATE YOUR PERSONAL INFORMATION
6.1 OUR EMPLOYEES OR REPRESENTATIVES MAY VIEW YOUR PERSONAL INFORMATION ON
A NEED-TO-KNOW BASIS
Our employees or representatives may view your personal information for their
work or for the reasons why we collected this information in the first place.
They will not view your personal information for any other reason.
6.2 OUR SERVICE PROVIDERS MAY HANDLE YOUR PERSONAL INFORMATION
Our service providers may need to handle your personal information (i.e. access,
process or store). They are not authorized to disclose your personal information
for any reason other than providing the services we ask from them, or if they
have a legal obligation to do so. Examples of services we obtain from our
service providers include but are not limited to the following:
* Processing background checks
* Processing credit verification
* Conducting digital analytics
* Processing your payments
* Advertising our products and services
* Managing email delivery
* Distributing useful content
* Providing IT services
* Processing insurance claims
* Providing legal services
* Providing debt collection services
* Providing consulting services
* Performing marketing research activities/surveys
Although we strive to ensure personal information is stored in Canada,
exceptionally some personal information may be stored by our service providers
outside of Canada. As such, service providers may exceptionally be required to
disclose your personal information to relevant authorities outside of Canada
pursuant to applicable law.
6.3 WE MAY COMMUNICATE YOUR PERSONAL INFORMATION IN CERTAIN CIRCUMSTANCES
With your consent or as otherwise permitted by the Privacy Act we may
communicate your personal information to relevant third parties, including for
example, if we receive a court order to communicate your personal information;
or, if disclosure is necessary for the protection of public interest; or, to
collect money you owe us (deficiencies owed through legal judgement).
7. THINGS YOU CAN DO TO CONTROL HOW WE PROCESS YOUR PERSONAL INFORMATION
7.1 YOU CAN UNSUBSCRIBE
To unsubscribe, please advise CMHC at any time by email at
contactcentre@cmhc.ca, or click on the “Unsubscribe” function included in
specific emails. Please note that you will need to unsubscribe directly from
each CMHC tool. Choosing to unsubscribe from one of CMHC’s mailing lists will
not affect other email communications that you may receive from us or your
access to our services and products.
7.2 YOU CAN DISABLE COOKIES
You can control cookies in the following ways:
Disable cookies in your browser’s settings. You will still be able to access our
website, although some features may not work properly.
Opt out of Google Analytics by installing this add-on on your browser.
7.3 YOU CAN ACCESS YOUR PERSONAL INFORMATION AND ASK US TO CORRECT ANY ERROR
You can access your personal information at any time
To do so, please contact the ATIP Office (contact information below)
In some exceptional cases, we might be unable to give you access to your
personal information. For example, if we cannot dissociate your personal
information from:
* Other persons’ personal information
* Our own proprietary information
* Information covered by solicitor-client privilege
You can ask us to correct any error or omission
You can ask us to make corrections to personal information that we have that is
not accurate. If we do not make these corrections, you can ask us to add
annotations to your personal information to explain why certain corrections you
asked were not made. Finally, you can ask us to notify certain persons about
these corrections or annotations. To do so, please contact the ATIP Office
(contact information below).
7.4 YOU CAN EXPRESS YOUR PRIVACY CONCERNS AND FILE A COMPLAINT
You can express your privacy concerns by calling us or writing to us.
To file a privacy complaint, you must send an email to our the ATIP Office
This ensures that we keep a record of your complaint. Our ATIP Office will
respond to you as soon as possible.
If you are not satisfied with how we respond to your complaint, you can contact
the Office of the Privacy Commissioner of Canada.
8. ADDITIONAL DETAILS AND CONTACT
We did our best to make this policy as easy to read and understand as possible.
Here are a few more things you should know:
8.1 WE MAY CHANGE THIS POLICY AT ANY TIME
Because privacy concerns, business and legal requirements continually evolve, we
may need to change this privacy policy in the future, with our without notice.
What if the policy has changed since your last visit?
If you visit our website or use our online services after our privacy policy has
changed, you will be governed by the updated version of the privacy policy.
8.2 HOW TO READ AND INTERPRET THIS PRIVACY POLICY
This policy is governed by the laws of Ontario and Canada. This policy complies
with the Privacy Act of Canada.
8.3 DID YOU UNDERSTAND EVERYTHING? CONTACT US WITH ANY QUESTION
Feel free to contact us:
CMHC Privacy Office
* For questions or comments about this policy
* For more information about how we deal with your personal information
Send us a message at PrivacyOffice@cmhc-schl.gc.ca
Mail us a letter: Canada Mortgage and Housing Corporation
CMHC Privacy Office
700 Montreal Road
Ottawa, On K1A 0P7
CMHC ATIP Office
* To access or modify your personal information
* To file a complaint
Send us a message ATIP-AIPRP@cmhc-schl.gc.ca
Mail us a letter: Canada Mortgage and Housing Corporation
ATIP Office
700 Montreal Road
Ottawa, On K1A 0P7
Note: The masculine is used without prejudice and only for the sake of
readability.
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CMHC values the privacy of individuals who interact with CMHC through electronic
or other means. We are committed to protecting your personal information in
accordance with the Privacy Act and other applicable laws. CMHC’s website is
open to visitors. However, to access certain areas of the website, registration
is required. It is your choice to provide personal information to us. By
registering (and clicking on the “I Accept” button in the registration form) and
by choosing to provide personal information to CMHC, or by using this website,
you are consenting to the collection, use, disclosure, retention, handling and
processing of your personal information for the purposes explained in the
sections below. Please ensure that all information that you provide is true,
accurate and complete.
Please note that without your consent to collect, use and disclose your personal
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Date Published: July 10, 2020
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