Limitation of Liability and DisclaimerUSE OF THIS SITE AND CONTENT IS SOLELY AT YOUR OWN RISK. Grant Mortgage Solutions Team provides the Site and the Content on an "as-is, where-is" basis, and does not represent, warrant or guarantee that the Site or the Content will be free of errors, viruses, worms or other disabling material which may adversely affect the operation of your computer or other software or that the Site will function on an uninterrupted basis. Grant Mortgage Solutions Team expressly disclaims all warranties, express or implied, with respect to the Site and the Content, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose or ownership and non-infringement of the Content. NEITHER Grant Mortgage Solutions Team OR ITS RESPECTIVE LICENSEES, SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS AND OTHER PARTNERS AND EMPLOYEES IS LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES) ARISING OUT OF OR IN CONNECTION WITH THE USE OR ACCESS OF THIS SITE OR THE CONTENT, WHETHER SUCH LOSS OR DAMAGE ARISES OUT OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY OR RESPONSIBILITY.
ContentAs Grant Mortgage Solutions Team cannot and does not represent, warrant or guarantee that the Site or the Content will be free from errors, viruses, worms or other disabling devices, you should take, and represent and warrant that you have taken, reasonable and appropriate precautions to scan for computer viruses. You should also ensure that you have, and represent and warrant that you have, a complete and current backup of the information contained on your computer prior to using or accessing the Site or the Content. You are only authorized to visit, view and to retain a single copy of pages of the Site for your own personal use. You shall not duplicate, download, publish, modify or otherwise distribute any of the information, reports, data, graphics, trade-marks, text, files, software, product or company names, trade-marks or trade-names listed, contained, embedded or otherwise present on this Site from time to time (collectively, the "Content") for any purpose. Additionally, you shall not, without Grant Mortgage Solutions Team prior written permission, remove or modify any legal notices or credits which may be present on the Site, link or post links to any subdirectory of the Site or frame any portion of the Site.
Access and InterferenceYou shall not use any robot, spider or any other device or process to monitor or copy the Site or the Content without Grant Mortgage Solutions Team prior written permission, and also shall not use any device, software or routine to interfere or attempt to interfere with the proper operation of the Site or, where applicable, the Content.
IndemnityYou shall indemnify and hold Grant Mortgage Solutions Team (and their respective Licensees, subsidiaries, affiliates, officers, agents and other partners and employees) harmless from any loss, liability, claim or demand, including reasonable legal fees, made by any third party due to, or arising out of, your use and access of the Site.
Online ApplicationsInformation contained in mortgage applications, online or otherwise, is submitted to enable Grant Mortgage Solutions Team to provide mortgage broker services to you. Grant Mortgage Solutions Team share this information with others that are directly involved in the mortgage process such as credit reporting agencies, financial or insurance institutions as well as mortgage software and systems companies. Your submission of this information to us is your consent to use and share this information in order to provide the mortgage broker services requested. In addition, Grant Mortgage Solutions Team may use this information to contact subsequent to the completion of your mortgage broker transactions to provide you with information about your mortgage account or to present you with additional products or services we think you may be interested in receiving.
- The Ten Principles of Privacy
- Application of the Ten Principles
- The Kind of Information We Collect
- How We Use Your Information
- When We are Permitted to Disclose Your Information
- With Whom We May Share Your Information
- How We Safeguard Your Information
- Web Site Security
- Accessing and Amending Your Information
- Opting Out
- Anonymous Information and "Cookies"
The Ten Principles of PrivacyThe following ten principles govern our actions as they relate to the use of Personal information:
Principle 1 - Accountability Grant Mortgage Solutions Team is accountable for all Personal Information in its possession or custody, including Personal Information disclosed to third parties for purposes of providing services requested by you
Principle 2 - Identifying Purposes Grant Mortgage Solutions Team will inform you of the purposes for which it is collecting any Personal Information, before or at the time the information is collected. Often the purpose is outlined with the body of any mortgage application or contract for services you may execute when dealing with your Grant Mortgage Solutions Team mortgage broker.
Principle 3 - Consent. Grant Mortgage Solutions Team will obtain your consent before or when it collects, uses or discloses your Personal Information. Consent can be express, implied, or given through an authorized representative. You may withdraw your consent at any time (subject to any legal consequences of which you will be informed). Grant Mortgage Solutions Team however, may collect, use or disclose Personal Information without your knowledge or consent in exceptional circumstances where such collection, use or disclosure is permitted or required by law.
Principle 4 - Limiting Collection The information collected by Grant Mortgage Solutions Team will be limited to those details necessary for the purposes it has identified to you or to perform the services you have requested. Information will be collected by fair and lawful means.
Principle 5 - Limiting Use, Disclosure and Retention Personal Information will only be used or disclosed for the purpose for which it was collected unless you have otherwise consented. Personal Information may only be retained for the amount of time needed to fulfill the purpose for which it was collected. In certain exceptional circumstances, Grant Mortgage Solutions Team may have a legal duty or right to disclose Personal Information without your knowledge or consent with respect to matters that concern the company's or the public's interest.
Principle 6 - Accuracy. Grant Mortgage Solutions Team will keep Personal Information as accurate, complete and current as necessary to fulfill the identified purposes for which it was collected. You may have this information amended where it is found to be inaccurate or incomplete.
Principle 7 - Safeguarding Personal Information Personal Information is safeguarded using measures appropriate to the sensitivity of the information and in keeping with generally accepted industry standards.
Principle 8 - Openness. Grant Mortgage Solutions Team will make information available to its clients, employees and brokers about the policies and procedures Grant Mortgage Solutions Team use to manage personal information. You have access to this information through our Web site, or through alternate means if requested.
Principle 9 - Access Upon written request, you will be informed of the existence, use and disclosure of your Personal Information, and will be given access to it. Grant Mortgage Solutions Team will respond to such requests as efficiently as possible. Grant Mortgage Solutions Team is prohibited from providing such access they will explain the reasons for the lack of access, except where prohibited by law.
Application of the Ten Privacy Principles - How we treat your personal information:
How We Use Your InformationAt Grant Mortgage Solutions Team we use Personal Information for three general purposes: To communicate with you in order to provide you with our products and services. For inclusion in documentation relating to your particular financial transaction. Transactional information to monitor our level of service and report back to you to ensure your satisfaction with the provision of such services. We will only use Personal Information for the purpose that we have disclosed to you. If we want to use your information for a different purpose, we will notify you and ask for your consent first.
When We are Permitted to Disclose Your InformationGrant Mortgage Solutions Team is obliged to keep your Personal Information confidential except under the following circumstances:
1)When Authorized by You - Many of the services offered by Grant Mortgage Solutions Team require us to obtain Personal Information about you in order to perform the services you have engaged us to provide. We will always obtain consent from you first, and we will never use the information for purposes other than those we have told you about. You may withdraw your consent at any time, subject to any legal implications (which we will inform you about). In some cases, if you do not consent to our use or disclosure of certain Personal Information, we may be unable to continue to provide all or part of the services you have requested
2) When Required by Law the type of information we are legally required to disclose usually relates to government tax reporting requirements. However, in some cases, such as under a court order, we may be required to disclose certain information to persons specified in the court order. We will only provide the specific information requested and only upon being satisfied that the authorities have legitimate grounds to request the information.
3) When Permitted by Law The legislation has provided certain situations where Grant Mortgage Solutions Team are legally permitted to disclose Personal Information without your consent. Examples include situations involving the collection of debt in arrears, medical emergencies, or suspicion of illegal activities.
With Whom We May Share Your Information
2) Grant Mortgage Solutions Team Affiliates: In order to better meet your needs, we may share some of your Personal Information with our affiliates. We will only do this with your express consent and you may withdraw this consent at any time. The procedure for withdrawing consent is outlined below under the section "Opting Out".
4)Sale of Business: We may transfer your personally identifiable information to a third party in connection with a sale, merger or other disposition (whether of assets, stock or otherwise) of our business.