General

The Ontario Mortgage Investment Companies Association (“ONMICA”) takes great care in the preparation and distribution of information and materials to the public and its members (“you”).

All information, materials, opinions, advice and other content provided in this website (collectively, the “Information”) is provided on an “as is” and “as available” basis without any representation, warranty, condition or covenant, expressed or implied, regarding the accuracy, reliability or completeness of the Information. Accordingly, you agree to use this website and the Information provided herein at your own risk and liability. You further acknowledge and agree that ONMICA and its members, officers, representatives and agents shall not be liable for damages of any kind incurred in connection with your use or misuse of or reliance upon this website and the Information provided herein. This limitation shall apply even if ONMICA knew of or ought to have known of the possibility of such damages.

For Information Purposes Only

The Information provided herein is of a general nature, for information purposes only, and is not to be relied upon or construed as legal, financial, accounting, tax or other professional advice or a substitute therefor. You should consult with your own advisors as to the relevant legal, financial, accounting, tax or other considerations for your particular facts or circumstances.

For Personal Use Only

This website and the Information provided herein is for your personal use only and not for your reuse or distribution to any third party in any form, by any method or in any medium. You are granted the right to download, store and/or print single copies of any Information provided herein for your personal use, provided that you maintain all copyrights, trademarks and other notices contained in such Information.

Third-Party Websites

This website may contain links to third-party websites, applications and other sources of information. These links are provided solely as a convenience to you and not as an endorsement by ONMICA of any third-party website, application or other source information or the contents thereof. ONMICA is not responsible for the contents of any third-party website, application or other source of information and does not make any representation, warranty, condition or covenant regarding any such third-party website.

Our Privacy Policy

This update to our Privacy Policy was implemented on Dec. 1st, 2020 by Ontario Mortgage Investment Companies Association, an Ontario Corporation, referred to herein as ONMICA.

Definitions

“Non-Personal Information” (NPI) is information that is in no way personally identifiable and that is obtained automatically when you access our Website with a web browser.

“Personally Identifiable Information” (PII) is non-public information that is personally identifiable to you and obtained for us to provide you with a product or service. PII may include information such as your name, address, email address, phone number, location data, an online identifier, and/or one or more factors specific to your physical, physiological, genetic, mental, economic, cultural or social identity.

Our Commitment to Your Privacy

Our Privacy Policy tells you what PII we may collect from you, how we may process your PII, how you can limit our use of your PII, and your rights to obtain, modify and/or delete any PII we have collected from you.  We do not share, or sell, or disclose to a third party, any information collected.

ONMICA is committed to the security and privacy of all our customers. We take your privacy seriously, and we will work with you to ensure that you have an enjoyable Client experience.

Information you Provide Us

We collect personal information when you request information about our services and products, interact with our company or customer service representatives, request delivery of white papers or other information, schedule an event or otherwise voluntarily provide such information through our Website or otherwise. This information includes the following categories:

• Your Personal Contact Information, such as name, phone number and email address
• ONMICA services and products you may be interested in purchasing, including possible scopes of work and fee ranges
• Your Company Information, including company website domain/URL, whether you represent a marketing agency, whether your company is a current customer of certain of our business partners

Generally, you will have control over the amount and type of information you provide to us when interacting with us.

As a visitor to our Website, you can browse our Website to find out more about us. You are not required to sign in or provide us with any PII as a visitor.

Information Collected Automatically

When you use our Website, we automatically collect certain information by the interaction of your mobile device or web browser with our Website.

Collection of Information

Depending on the scope of the project, we may be required to collect information about your clients or customers. All information provided to ONMICA is stored securely and safely. No information is shared or sold to third parties. All information is kept solely within the office of ONMICA (on paper) or digitally on the computers of ONMICA.

Cookies

Like many other websites, we use “Cookies.” A Cookie is a small piece of data stored on your computer or mobile device by your web browser. We use Cookies to identify the areas of our Website that you have visited. We also use cookies to enhance your online experience by eliminating the need to log in multiple times for specific content. Finally, we may use Cookies to personalize the content that you see on our Website or to customize marketing and other information we provide to you.

Other Automatically Gathered Information

We may automatically record information when you visit our Website, including the URL, IP address, browser type and language, and the date and time of your visit. We use this information to analyze trends among our users to help improve our Website or customize communications and information that you receive from us. If combined with other information we know about you from previous visits, the data possibly could be used to identify you personally, even if you are not signed in to our Website.

Google Analytics Privacy Policy

Our Website uses “Google Analytics” to collect information about the use of our Website. Google Analytics collects information such as how often users visit our site, what pages they visit when they do so, and what other sites they used prior to coming to our site. We use the information we get from Google Analytics to improve our Website, services and products. Google Analytics collects only the IP address assigned to you on the date you visit our site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit our site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to our site is restricted by the Google Analytics Terms of Use.

http://www.google.com/analytics/terms/us.html.

You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.

https://tools.google.com/dlpage/gaoptout

How Information is Used

When we use or process personal data about you, we do so only as necessary to provide the services and products you use (e.g., to meet our contractual and legal obligations), or otherwise with your consent, to comply with applicable law, or to fulfill other legitimate interests of you or us as described in this Policy.  You have the option of individual choice of which types of communications you will receive with us, and the ability to change those choices whenever you want. Some of the more common, specific uses of your information are described below.

Providing Requested Services and Products; Fulfilling Contractual Obligations

We may use PII to provide the services and products you’ve requested or to otherwise perform any contract we may have with you, including communicating with you about the scope of work, payment or other related topics.

Information we process with your consent

Through certain actions when otherwise there is no contractual relationship between us, such as when you browse our Website or ask us to provide you more information about our business, including job opportunities and our products and services, you provide your consent to us to process information that may be PII.

Wherever possible, we aim to obtain your explicit consent to process this information, for example, by asking you to agree to our use of Cookies or to receive communications from us.

Sometimes you might give your consent implicitly, such as when you send us a message by email to which you would reasonably expect us to reply.

When we communicate with you about our business, we will use the contact information you provided to us to discuss technical issues, new products and services, and other information of interest to you. We may also send you emails with useful industry information, promotional information about our business or offers from us.  You have a choice about whether or not you wish to receive communications from us. Please use the contact information at the bottom of this Privacy Policy to make any necessary changes to the ways in which we communicate with you.

Other Legitimate Interest

We may process information or use it to communicate with you on the basis that doing so is necessary to achieve a legitimate interest, either to you or to us. Where we use your information on this basis, we do so after having given careful consideration to:

• Whether the same objective could be achieved through other means
• Whether you would expect us to process your data, and whether you would consider it reasonable to do so

For example, we may process your data or communicate with you for any of the following purposes:

• Advertising and marketing to you, which includes sending promotional communications, targeting advertising, and presenting you relevant offers based on information you provide or our prior dealings
• Operating our business, which includes analyzing our performance, meeting our legal obligations, developing our workforce, and doing research

Access to your personal information

You may review certain information that we hold about you by making a request in writing, email, or telephone.  To obtain a copy of all information we maintain about you, you may send us a request using the contact information at the end of this Policy.  After receiving the request, we will tell you when we expect to provide you with the information, and whether we require any fee for providing it to you.

Remove or Change your Information

If you wish us to remove or change PII that you have provided us, you may contact us at the contact information at the end of this Policy or.

Verification of your Information

When we receive any request to access, edit or delete PII, we will first take reasonable steps to verify your identity before granting you access or otherwise taking any action. This is important to safeguard your information.

Retention Period for Personal Data

Except as otherwise mentioned in this Policy, we keep your PII only for as long as required by us:

• To provide you with the services or products you have requested, or otherwise to perform or enforce a contract between us;
• To continue to provide the best possible user experience to visitors who return to our website to collect information and educational materials;
• To comply with other law, including for any period demanded by tax authorities; or
• To support a claim or defence in any court or in any legal, regulatory or administrative proceeding.

Changes to Our Privacy Policy

We reserve the right to change this privacy policy at any time. If our company decides to change this Privacy Policy, we will post those changes on our Website so our users and customers are always aware of what information we collect, use, and disclose. In all cases, your continued use of our Website or our services and products after any change to this Privacy Policy will constitute your acceptance of such change.

Questions about Our Privacy Policy

If you have any questions about our Privacy Policy, please contact us at info@onmica.com.