Enliven collects and uses personal information for purposes limited to those which are related to its businesses, which include providing mortgage brokerage services and financial services. We collect personal information primarily from you, for instance through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers, and other financial institutions you have identified in your application as well as credit bureaus and other third-party sources. For example, we may collect personal information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.
We may collect personal information for purposes such as, but not limited to, the following:
Enliven limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.
Personal information that we collect includes:
Enliven may disclose personal information in a number of circumstances, including:
In addition to the above, personal information may be shared between our affiliates or subsidiaries (including those located in the United States and elsewhere) for audit, management, marketing, billing, or administrative purposes including defending and bringing legal actions, or as required by law.
In the course of fulfilling the purposes described above, Enliven may transfer your personal information to service providers, including affiliates or other third-party organizations or individuals retained by Enliven to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial, and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside Canada and will be subject to applicable legal requirements in that country including lawful requirements to disclose personal information to government authorities in certain circumstances.
Enliven may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.
Enliven may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.
Enliven uses safeguards and other security standards to ensure that all personal information in its custody and control is protected against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to personal information. While we strive to ensure your information is safe with us, cyber security is nevertheless a challenge. We recommend all of our customers to routinely review their credit, change their passwords, and take all precautions necessary to prevent and minimize loss in the unlikely event of a security breach.
Enliven may establish and maintain a file, in physical or digital format containing an individual’s personal information for the purposes described above, which will be accessible at our offices. Individuals have the right to request access to or correction of their personal information that is held by Enliven.
Requests must be made in writing, addressed to Enliven’s Privacy Officer. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee. We will use our best efforts to ensure that personal information is accurate, complete, and up-to-date. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required.
If we refuse access to personal information or disagree with an assertion that information held by us is incorrect, we will provide a written explanation for such refusal. An individual’s right to access or correct personal information is subject to applicable legal restrictions.
To prevent fraudulent access to the personal information stored by Enliven, we may take reasonable steps to verify your identity before granting access or making corrections. Originals if any, are not released unless as required or requested under appropriate regulations.
Enliven does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to Enliven, please contact us directly by telephone to arrange for delivery/transmission of such information by secure means.
In compliance with Google’s advertising policies, we use Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see our advertisements on Google and other third-party websites on the internet after visiting our website.
We use Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting and the DoubleClick Campaign Manager integration. You have the option to opt out of Google Analytics for Display for Display Advertising and customize Google Display Network ads. For all the currently available opt-outs, please visit https://tools.google.com/dlpage/gaoptout
We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience’s interests and demographics.
In certain circumstances, as permitted or required by law, we may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.
Privacy Officer, Enliven Financial Inc
1507-1030 W. Georgia St.
Vancouver, B.C., Canada V6E 2Y3
If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at +1 800 282-1376 or at www.privcom.gc.ca.
Copyright 2016 Enliven Financial Inc. FSCO Licence #: 12698. All Rights Reserved.
[i] When compared to paying monthly, semi-monthly and bi-weekly payments reduce the total cost of borrowing over the term of the loan. Other factors may also affect the total cost of borrowing. Please see your loan documents for details.