Privacy Policy

Last Updated: September 04, 2024

At Brickellsold (Preconstruction Info Corp), safeguarding the Personal Information entrusted to us is a priority. We are committed to respecting the privacy of our customers and protecting all Personal Information or data that you share with us. This Privacy Policy applies to Brickellsold (Preconstruction Info Corp). This entity is referred to as the “Brickellsold (Preconstruction Info Corp),” “we,” or “us.” Our entity provides a variety of services, including real estate, mortgages, investments, and other financial products.

We strictly adhere to our Privacy Policy and ensure that:

We do not sell Personal Information to third parties;
We do not publish Personal Information with the intent of charging individuals for its removal;
We do not collect, use, or share Personal Information unlawfully; and
We do not profile or categorize clients in a way that could lead to unfair, unethical, or discriminatory treatment contrary to human rights law.

Our commitment to protecting your Personal Information includes a transparent approach to how we use your data and with whom we may share it. Specifically, we will:

Limit the collection of Personal Information to what is necessary and use it solely for the purposes for which it was collected;
Only use your Personal Information for the purposes for which it was obtained, and seek your consent before using it for any other purposes;
Ensure that service providers and contractors with access to your Personal Information are bound by strict confidentiality agreements and will not use your data for any unauthorized purposes; and
Provide training to our employees to ensure that your Personal Information is handled appropriately and to emphasize the importance of treating it with the utmost care.

If you have any questions or concerns regarding this policy, please contact us at:

Brickellsold (Preconstruction Info Corp)
Brokerage
Royal LePage Associates Realty
158 Main Street Markham N, Markham, ON L3P 1Y3
Phone: +1 416 273 4114
Email: [email protected]

We are committed to upholding these principles to maintain the trust you place in us.

What is Personal Information?

"Personal Information" refers to any information about an identifiable individual. This may include, but is not limited to, an individual’s name, age, date of birth, residential address, social insurance number, marital status, income, account details, client identification numbers, personal email addresses and communications, as well as Internet Protocol (IP) addresses.

Personal Information does not encompass business contact information that is collected, used, or disclosed solely for the purpose of communicating or facilitating communication with an individual in relation to their employment, business, or professional activities.

Additionally, Personal Information does not include data that has been aggregated or anonymized, such that it can no longer be used to identify an individual.

What Personal Information Do We Collect?

To provide you with our products and services, Brickellsold (Preconstruction Info Corp) collects and uses a variety of information from and about you. Depending on the products or services you engage with, this may include:

Personal Information: Such as your name, address, contact information, date of birth, occupation, and identification details (including your driver's license).
Financial Information: Including your bank details, credit score, and information about your assets, liabilities, income, and expenses.
Tax Information: Including your Social Insurance Number (SIN).
Employment Information: Details about your current and past employment.
Transaction and Interaction Information: This includes records of your transactions with us, as well as our interactions with you, such as call recordings and chat transcripts.

Technical Information

We also collect technical information to enhance your experience and the functionality of our services. This may include:

Your login details, browser type and version, time zone setting, browser plug-in types and versions, operating system, and platform.
Information about your internet connection, the equipment you use to access our website, and usage details.
Non-personal details about your online interactions, such as URLs, clickstream data (including date and time), products you viewed or searched for, page response times, download errors, visit duration on certain pages, page interaction data (such as scrolling, clicks, and mouse-overs), browsing methods, email response and interactions, and any phone numbers used to contact our customer service.

Depending on the product or service you use with us, we may request your SIN (with your consent) to verify your identity through an established credit reporting agency. This applies to all accounts except registered accounts (e.g., RSP, RESP), which do not require a SIN for identity verification. If we request your SIN for purposes other than income tax reporting, providing it is optional, and you may refuse our request without any impact on your services.

Biometric Information

Brickellsold (Preconstruction Info Corp) does not collect, use, access, disclose, or retain any biometric data. However, our apps may support third-party technologies, such as those from Apple, that allow users to enable biometric authentication. If you enable this technology, we will be notified of the success or failure of the authentication but will not have access to any biometric data associated with it.

How is Personal Information Collected?

The Personal Information we collect about you may be obtained directly from you or from anyone authorized to act on your behalf, such as an individual with power of attorney or other legal authority. This information may be gathered through various means, including technological platforms. Additionally, we may use technologies that can identify, locate, or profile you. Depending on the product or service you have with us, this information may be collected from a variety of sources within or outside of Brickellsold (Preconstruction Info Corp), including:

Our interactions with you, such as through email, instant messaging/chat, telephone, and video calls;
Your mortgage broker, real estate agent or broker, or insurance broker (if applicable);
Government bodies, agencies, and registries; regulatory bodies, and law enforcement authorities;
Public records;
Third-party service providers (including financial data aggregators) and professional advisors (such as accountants and lawyers);
Other financial or lending institutions;
Credit reporting agencies, including Equifax Canada Inc. and TransUnion of Canada, Inc.;
Our affiliates, partners, and related entities; and
Organizations with whom you have arrangements or any other sources we consider appropriate where the information obtained will help us serve you better.

Call Recordings

We may record telephone or video calls made to or received by our agents and employees for quality assurance and security purposes. If you prefer not to have your call recorded, please inform the agent during the call. We retain recordings only for as long as permitted by law.

You may provide Personal Information about others with their consent. If you disclose Personal Information about minors, you do so as the minor's parent, guardian, or legal tutor, acting under your authority to provide such consent.

Why Do We Collect Your Personal Information?

The Personal Information we collect is essential for us to provide you with our products and services and to fulfill our obligations to you. We may use your Personal Information for various purposes, including:

Verification and Eligibility: To verify your identity and determine your eligibility for the products, services, or coverage you apply for.
Account and Service Administration: To manage your account and the products and services you have with us, including claims administration.
Communication: To complete applications or respond to your inquiries, and to communicate with you regarding your account or services.
Pre-populating Forms: To pre-populate forms with previously provided Personal Information when you apply for or request additional products or services.
Evaluation and Processing: To evaluate and process your applications, accounts, transactions, and reports.
Personalization and Development: To analyze and understand your needs, personalize your experience, and help us and our affiliates develop new products and services. This may include using your Personal Information for research, studies, or statistical purposes.
Eligibility Assessment: To assess your eligibility for other products or services or to renew your current products and services, with us or our affiliates.
Risk Management: To manage and assess risks, including default risks, operational risks, and our relationship with you.
Debt Collection: To collect debts or enforce obligations owed by you.
Legal Compliance: To comply with applicable laws and regulatory requirements, including those of self-regulatory organizations.
Customer Service: To better serve you and your interests.
We may also use artificial intelligence (AI), machine learning, and automated decision-making technologies to evaluate and assess Personal Information.

Additional Collection, Uses, and Disclosures

Marketing and Sales Purposes

Your Personal Information may be used for marketing and sales purposes, including:

Informing you about products and services that may interest you, including new offerings from us, our affiliates, or third-party partners.
Determining your eligibility for promotions, such as contests.
Contacting you via email, telephone, fax, text message, or other electronic means.
Conducting research, analysis, modeling, and surveys to improve your experience with us and for product or service development. If you do not wish for your Personal Information to be used for marketing and sales purposes, you may withdraw your consent, subject to certain restrictions.

For Credit/Mortgage Products

For credit products such as mortgages, lines of credit, overdraft protection, loans, or credit cards, we may exchange your Personal Information and reports with credit reporting agencies, creditors, default insurance providers, and other lenders. This exchange occurs during the application process and throughout your relationship with us to review and verify your creditworthiness, establish credit limits, help collect debts, enforce obligations, and manage our risks. Even after you have closed a credit product with us, we may periodically disclose your Personal Information to other lenders and credit reporting agencies to help establish your credit history and support credit processing functions. We may obtain information and reports about you from credit reporting agencies like Equifax Canada Inc. and TransUnion of Canada, Inc.

Using Your SIN for Non-Tax Purposes

With your consent, we may use your Social Insurance Number (SIN) as a unique identifier in situations where it is necessary to distinguish your Personal Information from that of other customers or individuals with similar names. This helps maintain the accuracy of your records. You can withdraw your consent for the non-tax use of your SIN at any time by contacting us at [email protected] and including "Withdraw Non-Tax Use of SIN" in the subject line or message body.

Fraud Management

Your Personal Information may be used to protect you and us against fraud, errors, and other risks. This includes preventing, detecting, and suppressing financial abuse, fraud, criminal activity, and enhancing security measures. To safeguard our assets and interests, we may collect, use, and disclose your Personal Information as part of both external and internal fraud investigations. These investigations may involve suspected or actual illegal or suspicious activities and are intended to manage, defend, or settle any potential or actual losses. Personal Information for these purposes may come from you or any other source listed in this Privacy Policy, including other financial institutions. Additionally, we may disclose your Personal Information to any person or organization, fraud prevention agency, regulatory or government body, or other financial or lending institutions for fraud management purposes.

How Long We Will Keep Your Personal Information?

Personal Information will not be used, disclosed, or retained for purposes other than those for which it was collected, except with the individual’s consent or as permitted or required by law. Unless otherwise allowed or mandated by applicable law or regulation, we will retain your Personal Information only for as long as necessary to fulfill the purposes for which it was collected, including meeting any legal, accounting, or reporting obligations.

Who Do We Disclose Your Personal Information To?

To provide you with the best products and services, we may need to share your Personal Information with third parties who are obligated to protect the confidentiality of that information. The shared information will be limited to what is necessary to facilitate the specific arrangement.

Your Personal Information may be disclosed for the following purposes:

To fulfill a mandate or perform a contract of enterprise or services.
As part of a business transaction we are considering or involved in, such as the purchase or sale of part or all of our business.
In response to a court order, search warrant, or other valid legal demand or request.
To comply with any applicable legal or regulatory requirements, including those of self-regulatory organizations of which we are members.
To advisors we engage, such as financial advisors, consultants, accountants, lawyers, and auditors.
To suppliers, service providers, agents, or other organizations that perform services for you, for us, or on our behalf.
To your real estate agent or broker, mortgage broker or creditor/default insurance provider, or insurance provider.
To our active and prospective funding partners for purposes of credit risk management and to meet our contractual obligations to them.
To any authorized individual with legal authority, such as someone holding a Power of Attorney.
For study or research purposes or for producing statistics.
To help us collect a debt or enforce an obligation owed to us by you.
Where otherwise permitted by law.

Categories of Service Providers

To deliver optimal service, we may engage a variety of third-party service providers who may have access to your Personal Information. The types of service providers we engage include:

Communications service providers.
Compliance and fraud management service providers.
Credit reporting agencies.
Customer management service providers.
Disaster recovery service providers.
Finance, depository, and credit service providers.
Government and regulatory agencies.
Investment management service providers.
Marketing service providers.
Broker managers and mortgage and underwriting service providers.
Payment processing service providers.
Physical storage service providers.
Professional advisors, such as lawyers, accountants, consultants, auditors, and financial advisors.
Rating and valuation service providers.
Reward service providers.
Technology service providers.

Please note that some service providers and other organizations we use may be located outside of your province of residence or Canada. As a result, your Personal Information may be collected, accessed, used, disclosed, or stored outside of your province of residence or Canada. In such cases, your Personal Information may be accessible to or disclosed to law enforcement, regulators, or authorities in the jurisdiction(s) where it is being processed.

We may also share your Personal Information internally, including with our affiliates, for the following purposes:

To manage your relationship with us and our affiliates.
To better understand the products and services you have with us or our affiliates.
To provide you with an improved customer experience, including maintaining consistent information about you.
To manage and assess our risks.
To comply with all applicable legal and regulatory requirements for us and our affiliates.

Categories of Employees with Access to Your Personal Information

Within Brickellsold (Preconstruction Info Corp), access to your Personal Information is restricted to employees who need it to perform their job functions. This includes:

Senior management.
Executives.
Oversight roles, such as compliance, legal, privacy, and risk management.
Information technology and cybersecurity teams.
Operations staff.
Customer sales and service teams.
Marketing and business analytics teams.

Disclosing Your SIN

Your Social Insurance Number (SIN) may be shared with third parties for income tax reporting purposes, as required by law. Your SIN may also be collected for non-tax purposes and used for identification, records management, or to facilitate credit reporting checks. If your SIN is being used for non-tax purposes, you may withdraw your consent at any time by contacting us.

Your Personal Information Rights

Subject to applicable legal and regulatory requirements, the consent you have provided for the use of your Personal Information, as outlined in any Privacy Agreement, Privacy Policy, or other consent forms, remains valid as long as you maintain a product or service with us, or until we receive written notice from you that you wish to withdraw your consent. You may withdraw your consent in whole or for specific uses. However, in certain circumstances, withdrawing your consent may prevent us from administering your products and services. Consent withdrawal is subject to certain legal and contractual restrictions. If you wish to withdraw your consent, please contact us at [email protected].

Accessing and Correcting Your Personal Information

You have the right to access, update, and correct inaccuracies in your Personal Information that is in our custody and control, subject to certain exceptions as prescribed by applicable laws and regulations. This includes obtaining details about the Personal Information we have collected about you, the purposes for which it was collected, how we process it, and the categories of persons and service providers (both internal and external) who have access to or have been disclosed your Personal Information. You can also inquire about the jurisdictions where your Personal Information may be disclosed and the duration for which we retain your Personal Information. For further information or to submit a request, please contact us at [email protected].

Protecting Your Personal Information

We recognize that sharing your Personal Information with us involves certain risks, including the risk of unauthorized disclosure, identity theft, and fraud. We take these risks very seriously and implement a variety of technical, administrative, and physical safeguards to protect your information.

By providing us with your contact information (email, phone number, address), you consent to us collecting, using, accessing, disclosing, and storing your Personal Information for communication purposes. This includes responding to inquiries, understanding your needs, and informing you about other products and services that may be of interest to you, including those offered by select third parties and affiliates.

Please note that while you may withdraw consent for receiving promotional communications, this does not apply to all communications. Certain communications related to account information are required and cannot be opted out of. Non-clients can withdraw consent from all communications at any time.

Opting Out of Commercial Electronic Messages

If you have consented to receive commercial electronic messages from us and no longer wish to receive them, you can opt out by clicking the "unsubscribe" link at the bottom of the message and following the on-screen prompts. Alternatively, you can contact us at [email protected].

Please note that some emails may not include an "unsubscribe" link if they contain important account-related information that all clients must receive.

If you receive an email in error after unsubscribing, please forward it to [email protected], and we will process your request immediately.

You can also change, update, and opt out of mobile alerts (such as order, custom, or smart alerts) through the User Preference pages in our platform (where applicable, depending on the product or service you have with us).

Links To Other Websites

Our website may contain links to other sites that are not owned or operated by Brickellsold (Preconstruction Info Corp). We are not responsible for the privacy policies or practices of these other websites. We encourage you to review the privacy policies of any external sites you visit to understand how they handle your Personal Information.

Security Risks with External Data Storage

If you choose to store your financial or authentication information (such as investment account numbers and login credentials) with online or web-enabled personal finance sites or data aggregators, please be aware that your security may be at a greater risk. These third-party services may not provide the same level of security as our platform, and we cannot guarantee the protection of your information when stored with them.

Privacy Questions, Concerns or Complaints

We will post any changes we make to our Privacy Policy on this page. If we make material changes to how we treat your Personal Information, we will notify you by email using the email address associated with your account or by placing information banners on our website. The date of the last revision of the Privacy Policy will be noted at the top of the page. It is your responsibility to ensure we have your current, active, and deliverable email address and to periodically visit our website and this Privacy Policy to check for any updates.

Contact Us

If you have any questions or concerns about this policy or any privacy and confidentiality matters, please contact our Chief Privacy Officer at:

Brickellsold (Preconstruction Info Corp) Brokerage Royal LePage Associates Realty 158 Main Street Markham N, Markham, ON L3P 1Y3 Phone: +1 416 273 4114 Email: [email protected]

Contact the Office of the Privacy Commissioner of Canada

If, after contacting Brickellsold (Preconstruction Info Corp), you feel your Personal Information concerns have not been adequately addressed, you may contact the Office of the Privacy Commissioner of Canada at:

30 Victoria Street Gatineau, Quebec K1A 1H3 Toll-free: 1.800.282.1376 Phone: 819.994.5444 TTY: 819.994.6591 Online: https://www.priv.gc.ca/en/report-a-concern/