Last Updated On Mar 21 2020
Citadel Mortgages Privacy & Security Statement Citadel Mortgages
recognizes the importance of safeguarding your privacy and the
information collected from our clients. This privacy statement covers
the scope of usage of this website and also details about the
information collected from you. This policy states how the information
gathered is used and how you can manage it.
To process your requests and transactions, we gather specific personal
details from you when you register or signup for any service. This
information may be used to contact you directly when required. However,
in most cases, it will be reserved for administrative purposes so that
we can review these details in order to provide you with more efficient
We respect the privacy of all our clients and assure that all the
personal information collected is kept completely secure. We do not
sell, trade, rent, transfer, or exchange your information with any third
party vendor or affiliate. The information gathered will be released
only if it is deemed necessary by law. We may, in order to provide a
more secure service, exchange your personal information with individual
trusted companies and organizations for fraud protection and for
ensuring a safer transaction gateway.
browse our site. A cookie is a small packet of data sent to your browser
from a web server. It is stored on your hard drive and can be recalled
to allow easy and quick access to the website upon return. Details such
as your contact information, username, and password are usually stored
in cookies for easy retrieval.
If you do not wish to keep a log of your information, you can configure
your browser to reject all cookies or to notify you whether to accept a
cookie or not. Disabling the cookies may reduce the functionality of
certain aspects of our website. To find out more about enabling and
disabling cookies, please check the Help section of your browser.
Our servers keep a log of your IP address to monitor user movement and
determine site traffic statistics. This helps us analyze our main
clientele and configure our website in order to serve you better. IP
addresses are in no way linked to your personal information and will be
kept strictly confidential at all times.
Our website may contain links to external sites. We are not responsible
for the privacy and security practices of such sites. We advise you to
exercise your discretion when dealing with such third party vendors.
Our site has various subscription services for which you can register in
order to receive periodic emails to the account you specified. If at any
time you wish to unsubscribe from a particular service, please send us
an email at our support address or click on the Unsubscribe link
provided at the end of each mail.
will be posted on this page.
If we decide to use your personal information in any other manner than
specified in this policy, you will be notified via email. You will have
the option of opting out of such use of your personal information.
The CAN-SPAM Act is a law that sets the rules for commercial email,
establishes requirements for commercial messages, gives recipients the
right to have emails stopped from being sent to them, and spells out
severe penalties for violations. We collect your email address in order
We collect your email address in order to:
Send information, respond to inquiries, and/or other requests or
Process orders and to send information and updates pertaining to
We may also send you additional information related to your product
Market to our mailing list or continue to send emails to our clients
after the original transaction has occurred.
To be in accordance with CAN-SPAM, we agree to the following:
- NOT use false or misleading subjects or email addresses.
Identify the message as an advertisement in some reasonable way.
Include the physical address of our business or site headquarters.
Monitor third-party email marketing services for compliance if one is
- Honor opt-out/unsubscribe requests quickly.
Allow users to unsubscribe by using the link at the bottom of each
If at any time you would like to unsubscribe from receiving future
emails, you can email us at
- Follow the instructions at the bottom of each email.
And we will promptly remove you from ALL correspondence.
Anytime one of our mortgage agents call you or you call into our
company, the call may be recorded for support and training purposes.
dealings with us, you can use the contact us page to reach out to us.
As permitted or required by law
Citadel Mortgages may disclose information when compelled in response to
a law, regulation, court order, subpoena, valid demand, search warrant,
government investigation or other legally valid request or inquiry. We
may also disclose information to our accountants, auditors, agents and
lawyers in connection with the enforcement or protection of our legal
rights. We also reserve the right to report to law enforcement agencies
any activities that we, in good faith, believe to be unlawful or to law
enforcement and emergency services providers, in an emergency or where
required or permitted by law. We may release certain personal
information when we have reasonable grounds to believe that such release
is reasonably necessary to protect the rights, property and safety of
others and ourselves, in accordance with or as authorized by law.
We may disclose personal information to a third party in connection with
a sale or transfer of business or assets, an amalgamation,
re-organization or financing of parts of our business. However, in the
event the transaction is completed, your personal information will
remain protected by applicable privacy laws. In the event the
transaction is not completed, we will require the other party not to use
or disclose your personal information in any manner whatsoever and to
completely delete such information.
Other types of sharing
We may also disclose our customers’ personal information to an
individual who, in the reasonable judgement of Citadel Mortgages, is
acting on behalf of the individual in question, such as through a power
of attorney. For information on how you can limit the type of
information that we collect, use or share about you when you visit
and/or use our website, please refer to the Website section of this
We may share aggregated customers and/or website users’ information
with our partners or entities within the Citadel Mortgages group. This
information does not allow identifying individual customers nor users,
and is only used to provide our partners a better understanding of the
general profile of customers of our products and/or services and users
of our website, trends in the industry, or similar type of information.
We do not link aggregate user data with personal information.
We use Google Analytics which allows us to see information on user
website activities including, but not limited to, page views, source and
time spent on our website.This information is depersonalized and is
displayed as numbers, meaning that it cannot be tracked back to
individuals. You may opt-out of our use of Google Analytics by visiting
the Google Analytics opt-out page.
We use Google AdWords Remarketing to advertise Citadel Mortgages across
the Internet and to advertise on third party websites (including Google)
to previous visitors to our websites. AdWords remarketing will display
ads to you based on what parts of the website you have viewed by placing
a cookie on your web browser. It could mean that we advertise to
previous visitors who haven’t completed a task on our site or this could
be in the form of an advertisement on the Google search results page, or
a site in the Google Display Network. This cookie does not in any way
identify you or give access to your computer or mobile device. The
cookie is only used to indicate to other websites that you have visited
a particular page on our website, so that they may show you ads relating
to that page. If you do not wish to participate in our Google AdWords
Remarketing, you can opt out by visiting Google’s Ads Preferences
Third Party Advertising
We may use third-party advertising companies to collect data and/or
serve ads when you visit our website. These companies may use
information about your visits to our website and other websites in order
to provide advertisements about goods and services of interest to you,
at all times, in compliance with applicable privacy laws. These
companies may also use other types of technologies to recognize your
computer or device and/or to collect and record information about your
web surfing activity including your activities on or off this website.
Please keep in mind that your web browser may not permit you to block
the use of these non-cookie technologies, and those browser settings
that block cookies may have no effect on such techniques. You can also
generally opt-out of receiving personalized ads from third party
advertisers and ad networks who are members of the Digital Advertising
Alliance of Canada. Please visit the DAAC opt-out page for more
information, including if you would like more information about this
practice and to know your choices about not having this information used
by these companies at :
Privacy Policies of Third Parties
information by Citadel Mortgages. Other websites that may be accessible
through Citadel Mortgages websites have their own privacy policies and
data collection, use and disclosure practices. We encourage you to
familiarize yourself with the privacy statements provided by all third
parties prior to providing them with information or taking advantage of
an offer or promotion.
Mobile App Data Collection
In the event that you download and/or use any of our applications, we
may require and collect, directly from you, information necessary to
authenticate you. We may also record your IP geolocation, allowing us to
block the access when the user is outside of Canada. When you register
on certain apps, you may be required to agree that we may send you
notifications regarding your property evaluation, credit score, or
general information by electronic messaging on a periodic basis. If you
no longer want to receive any notifications, you can unsubscribe at any
Quality and Access Rights
Citadel Mortgages strives to ensure that customers’ personal
information is as accurate, complete, and up-to-date as is necessary for
the purposes for which it is used. YourEsign provides customer access to
their personal information. Customers may corrector amend any
inaccuracies in their personal information by contacting us using the
contract information detailed in the section How to Contact Us of this
access to personal information if the information is protected by legal
privilege, granting access would reveal confidential commercial
information, the information was collected for purposes related to the
detection and prevention of fraud, the information was generated in the
course of a formal dispute resolution process, the information would
likely reveal personal information about another individual, the request
is vexation or frivolous or any other reason, as authorized under
Personal Information Outside of Canada
In some cases, personal information that we manage may be transferred,
processed and stored outside Canada, and therefore may be available to
government authorities under lawful orders and laws applicable there.
Last updated: 11 March 2019
We are Citadel Mortgages incorporated in Toronto Ontario Canada , our
brokerage license number is 12993. Our registered office is at 30 St
Patrick Street 4Th Floor, Toronto,Ontaro Canada, M5T 3A3.
proceed. We may, at any time and without notice, terminate your access
to or use of this website. If we do so, you do not have the right to
bring any claim or claims against us.
updated version on our website, so you may wish to check it before
using this website. You may only use this website for lawful purposes.
Unless we expressly state otherwise, the copyright and any other
intellectual property rights, including but not limited to design
rights, trade marks and patents appearing anywhere on this website
remain our property, whether owned by or licensed to us. You may not
use any of the material on this website without our prior written
permission for your own commercial purposes, whether by reproducing,
copying, downloading, printing, linking to, editing, broadcasting,
distributing or otherwise. You may use it for your own personal
Accessing or using this website or its content in any way is done
entirely at your own risk. You will be responsible for any loss or
damage to any computer, device, software, systems or data resulting
directly or indirectly from the use or inability to use this website
or its content.
We are under no obligation to provide uninterrupted access to this
website. We reserve the right to restrict your access to this website
at any time and for any reason. We do not guarantee that the contents
of this website will be free of errors, bugs, worms, trojans or
viruses or otherwise make any representations as to the quality or
accuracy or completeness of the content available on the website
including, but not limited to any price quotes, stock availability
data or non-fraudulent representations. You are responsible for
maintaining appropriate software on your computer or device to protect
you from any such errors, bugs, worms, trojans or viruses.
To the fullest extent permissible by law, we exclude any and all
liability to you resulting from your use of the website or connected
any type of damages, loss of data, income or profit or loss or damage
to property belonging to you or third parties arising from the use of
this website or its contents.
you for death or personal injury resulting from our negligence or that
of our employees or agents.
Links to third party websites
This website may provide links out to websites or other online
resources under the control of third parties. Any such links are
provided solely for your convenience. We have no control over the
contents of these third-party resources. We are not responsible for
the contents of any linked websites and do not endorse them in any
Links from third party websites
You can only link to our website with prior written permission from
us. We reserve the right to withdraw any such permission at any time.
We take your privacy and the protection of your data very seriously.
We may gather and/or use certain information about you in accordance
supersede any and all prior terms, conditions, warranties or
representations to the fullest extent permitted by law.
This Agreement shall be governed by the law of Ontario and courts of
Ontario will have exclusive jurisdiction in relation to these Terms
updated version on our website, so you may wish to check it before
using this website. You may only use this website for lawful purposes.