Enliven collects and uses personal information for purposes limited to those which are required to fulfil the purposes of collection, which include providing you with 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 does not solicit information of any kind from individuals under the majority in their jurisdiction of residence (“Minors”) without the required consent from their parents/guardians. If we become aware of any information we possess that may belong to a Minor, we will immediately obtain parental consent to delete this information from our servers. If you are a parent/guardian and you suspect that your child may have submitted personal information to us, please contact our Privacy Officer.
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. If you have any questions about Enliven’s contracts with such service providers, please contact our Privacy Officer at the details provided below, and we can provide further information about our policies and practices regarding service providers located outside of Canada how these service providers, collect, use, disclose or store personal information on our behalf.
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 commercially reasonable technical, organizational and physical 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, cybersecurity 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.
We will retain your personal information as long as reasonably required to complete our dealings with you, or as required to fulfill our record keeping obligations under law, whichever is longer. You can also request that we remove your personal information from our records by contacting our Privacy Officer at the contact information below. Subject to our requirements for continued retention of your information (i.e., auditing purposes) or to fulfill our legal obligations, we will make every reasonable effort to honour your request.
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 reasonable 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
203-8525 Baxter Place,
Burnaby, B.C., Canada V5A 4V7
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.priv.gc.ca.
Please check back periodically for updates.
Last Updated: August 28, 2017
Copyright 2018 Enliven Financial Inc. FSCO Licence #: 12698. All Rights Reserved.
[i] This is a pre-qualification only. It is not assurance of approval. Now that you're pre-qualified, your next step is to apply to get approved. To be considered for approval and receive an accurate rate, please complete the application process. All applicants must meet Enliven's lending criteria for us to proceed. Enliven's acceptance criteria and rates are subject to change without notice at any time. An offer of a mortgage may change or be withdrawn at any time without notice until committed by Enliven in writing. Other conditions and restrictions may apply as posted from time to time