Skyline Mortgage Financing Privacy Policy

We process your Personal Information based on:

• Your provision of consent (where applicable),
• Your contract with us,
• exceptions to the consent requirement as outlined in the law; or
• in line with legal or regulatory requirements or guidance.

We collect Personal Information required to provide our services. With limited exceptions, we collect your Personal Information directly from you through our website, emails, phone, fax, physical forms, internal systems, marketing campaigns or lists, etcetera. From time to time, we utilize publicly accessible information where necessary to verify information provided by you.

When you disclose to us the Personal Information of another person for use in connection with our products or services, for example, a beneficiary or a family contact, you must be authorized to entrust that Personal Information to us.

We process your Personal Information as required for mortgage financing and refinancing purposes and, where applicable, for compatible secondary purposes (meaning reasonable, necessary, and proportionate).

In line with the Processing of your Personal Information for the purposes listed above, we conduct different sets of tasks (“Processing Activities”) that are required to provide you information, products, and services. Those Processing Activities dictate the Personal Information we collect, use, and disclose.

The following table highlights some of our Processing Activities and the categories of Personal Information we process or may process (depending on the context) pursuant to each Activity.

Note that Processing Activities and Personal Information collected, used, and disclosed may change occasionally.

MORTGAGE FINANCING AND REFINANCING

Personal Information processed by us is limited and may vary depending on the specific transaction:

• Personal Information included in articles of incorporation, such as shareholder information (name, signature), full name and signature of each incorporator. Similar information is processed in the case of partnership agreements.
• Personal Information included in rent rolls (Unit #, unit type, tenant code, tenant name, rent, lease expiration, move-in date, move-out date, lease status, parking fee, storage fee, key deposit).
• Personal Information required to comply with Know Your Client (KYC) requirements for borrowers and guarantors: Legal name of individual, home address, specific occupation, politically exposed person (PEP) status (individual name, family member PEP full name, relationship, position held, country where the position is held) source of funds information, date of birth, sex, identification documents (such as a valid driver’s license, current passport, nexus card, federally issued permanent resident card, provincial health insurance card), document numbers, expiry dates, place of issue, signature.
• Beneficial owner and guarantor personal information (only where they are individuals).
• Credit check information where required or as requested by our partners. (Please note that we may be required to disclose and exchange information with credit bureaus, credit reporting agencies and financial institutions in order to determine and verify the eligibility of the borrower and guarantors for the loan and their ability to meet their respective financial obligations).
• Personal information required for insurance purposes (only where applicable).
• Broker signature.
• Personal Information required by financial institutions or partners like Canada Mortgage Housing Corporation (CMHC).

1. Service Providers: We use service providers for different purposes. We require them to abide by applicable legislation and implement security controls to safeguard your Personal Information. Some of the categories of service providers with whom we share your Personal Information include financial institutions, real estate brokers, consultants (such as lawyers and accountants), auditors, technology vendors, and record-keeping service providers. Moreover, where you express interest, we will connect you to our partners for the provision of additional products or services, in which case disclosure of Personal Information may be required.
2. Other Companies within the Group: If we determine that Processing of Personal Information by another entity within the Skyline Group of Companies would allow us to provide the service or product in a way that guarantees a better user experience for you, or where the expertise required to deliver you products or services lies with another entity within Skyline Group of Companies, we will grant them limited access, on a need-to-know basis, to the Personal Information they require to do so.
3. Government Bodies or Authorities, Courts, Police, and Compliance with Legal or Regulatory Obligations: Where required to disclose information per legal or regulatory requirements; asked to comply with an order or similar request, or to collaborate on matters subject to investigation, we will disclose your Personal Information to the extent permitted by law or, where available, in line with applicable case law (like court, tribunal, board, or commission decisions) when no law regulates the order or request. In addition, we will disclose your Personal Information when necessary to comply with legal or regulatory obligations.
4. Access Requests by Third Parties: In some cases, third parties submit requests for access to Personal Information which are processed in accordance with parameters provided by the law.