Last Updated: February 26, 2014
of the types of information, including information about you (“Personal
Combined Mortgage Ltd. (“we” or “us”) collects, as well as our policies and
practices regarding the collection, use, and disclosure of that information
through the web pages at
www.combinedmortgage.ca (the “Site”).
Please read this Policy carefully. BY USING THE SITE, YOU ARE ACKNOWLEDGING
THAT YOU UNDERSTAND AND AGREE TO THE TERMS OF THIS POLICY, AND CONSENT
TO THE MANNER IN WHICH WE MAY COLLECT, USE AND DISCLOSE YOUR PERSONAL
IF YOU DO NOT AGREE TO THE TERMS OF THIS POLICY, PLEASE DO NOT USE THE SITE.
We reserve the right to change the provisions of this Policy at any time.
We will alert you that changes have been made by indicating on the Policy
the date it was updated. Your continued use of this Site following the
posting of changes to this Policy will mean that you accept those changes.
We encourage you to review this Policy from time to time to make sure
that you understand how any Personal Information you provide will be collected,
used and disclosed.
This Policy applies solely to information collected by us through the Site.
It notifies you of the following:
Personal Information You Voluntarily Provide to Us – We only have access to and collect Personal Information (such as your name,
mailing or billing address, telephone number, email address, and email
preferences) that you voluntarily give us via email or through other direct
contact from you, such as when you register to use the Site, when you
complete a survey or enter a contest on the Site, or when you use any
chat room functionality of the Site. This Personal Information is collected
for the purpose of providing you with the services you request and responding
to inquiries you make through the Site. We use this Personal Information
as described below under the heading “How Do We Use Personal Information
That You Voluntarily Provide”. We will use certain information collected
from your device that is not Personal Information in order to send you
information about our products and those of certain third parties, as
explained below. When we collect Personal Information from you, we will
provide you with the opportunity to refuse to receive product information
from (i) us or (ii) third parties. Should you opt to receive this product
information, you may change your mind for the future. For example, each
message you receive about a product will contain and easy to use “unsubscribe”
Information Collected by Automated Means – Whenever you use the Site, we, as well as any of our third-party advertisers
and/or service providers, may use a variety of technologies that automatically
collect information about how you access and use the Site (“Usage
Information”). Usage Information may include, in part, your browser
type, your operating system, the time you spend on the Site, how many
times you visit the Site, and the website you visited immediately before
the Site. This Usage Information is collected for the purpose of providing
us with information about the use of the Site by you and other users,
such as how many visitors visit a specific page on the Site, how long
they stay on that page, and which hyperlinks, if any, they “click”
on. We use Usage Information to help us to keep the Site fresh and interesting
to visitors like you and to tailor content of the Site to your interests.
Usage Information is generally non-identifying, but if we associate it
with you as a specific and identifiable person, we will treat it as Personal
Information. By using the Site, you consent to our collection of Usage
Information from you.
Device Identifiers – In the course of collecting Usage Information we may also collect your
IP address, MAC Address or other unique identifier (each a “Device
Identifier”) for the computer, mobile device, Wi-Fi card, or other
technology (collectively, “Devices”) you use to access the Site.
A Device Identifier is a number that is automatically assigned to your
Device when you access a web site or its servers. Our computers identify
your Device by its Device Identifier. When you visit the Sites, we may
view your Device Identifier. We use your Device Identifier to identify
you when you visit our Site so that we can help ensure you have the best
possible experience in using our Site. We also may use your Device Identifier
to send you advertisements from third parties targeted to your interests.
If you want us to stop using your Device Identifiers to send you targeted
advertising, please follow the steps in the section below titled “How
to Opt-Out of Targeted Advertising.” We may associate your Device
Identifier with your other Personal Information that you voluntarily provide
or that is automatically collected when you visit the Site. By using the
Site, you consent to our collection of your Device Identifier.
– The technologies used on the Site, including Device Identifiers, to collect
Usage Information may include, without limitation:
– “Cookies” are data files placed on a Device when it is used
about you. We may use both session cookies (which expire once you close
your web browser) and persistent cookies (which stay on your computer
until you delete them).
– We may also include web beacons (also known as web bugs, Internet tags,
pixel tags, tracking pixels and clear GIFs) with the content and advertisements
that we deliver to you, which we will use to collect information regarding
your interaction with our content and advertisements appearing on our
Site. A “web beacon” is a transparent graphic image placed on
a web page or in an email, which indicates that a page or email has been
viewed or that an email has been forwarded. In addition, a web beacon
allows third parties to obtain information, such as the IP address of
the computer that downloaded the page on which the beacon appears, the
URL of the page on which the beacon appears, the time the page containing
the beacon was viewed, the type of browser used to view the page, and
the information in cookies set by the third party. A web beacon may also
tell your browser to get content from another server.
gather information about how you use our Site. Information gathered through
Site Cookies may be considered Personal Information. We use this information
to track your interests in order to enhance your experience on our Site,
understand your interests and how you use our Site, and track the effectiveness
of advertisements on our Site. By using the Site, you consent to our collection
of your Personal Information using Site Cookies.
We also work with a company called ReachLocal Canada, Inc. and its affiliates
and parent company in the United States of America (collectively, “ReachLocal”),
which assists us in advertising our products and/or services. One of the
products that we may purchase from ReachLocal is a retargeting product,
which enables ReachLocal to show you advertisements for our Site when
you visit other sites in the ReachLocal network or in third-party networks.
by ReachLocal through its third-party partners (“Advertising Cookies”).
The sole use of the Advertising Cookies is to show you advertisements
for our Site; they are not being used to target you or collect information
from you, including Personal Information, in any other way. Moreover,
ReachLocal does not link or otherwise connect the information in the Advertising
Cookies to any Personal Information that you may have provided to us.
Please note that ReachLocal retains the information on the ReachLocal
platform for purposes of quality assurance and campaign assessment.
If you have any questions regarding ReachLocal and/or the Advertising Cookies,
you are encouraged to contact ReachLocal at
We may use two products to analyze activity on our Site. We use ReachLocal’s
tracking technology and/or Google Analytics to understand how you use
our Site so that we can enhance your experience on our Site. In each case,
we provide your Personal Information to ReachLocal and your Device Identifiers
to Google for processing and analysis. By using the Site, you consent
to our transfer of your Personal Information and/or Device Identifiers
to, and the use of such information by, these third parties. If you wish
to opt-out of ReachLocal’s tracking technologies, go to http://www.reachlocal.ca/trackingopt-out,
and if you wish to opt-out of Google Analytics, go to
We will use Personal Information you voluntarily provide to provide you
with information requested when you contacted us. We will also use your
information as follows:
Registration – You may need to first complete a registration form in order to use the
Site. During registration, you may be required to provide us with certain
Personal Information (such as your name and email address). This Personal
Information is used to contact you about the products/services on our
Site in which you have expressed interest and to contact you by email
about changes to this Policy.
Surveys and contests – From time to time, our Site may request information via surveys or contests.
Participation in these surveys or contests is completely voluntary and
you may choose whether or not to participate and therefore provide us
with Personal Information. Information requested may include contact information
(such as your name and shipping address), and demographic information
(such as your postal code and age). Contact information will be used to
notify the winners and award prizes, while demographic information will
be used to confirm your contest and survey eligibility. Information gathered
through a survey will be used by us for purposes of monitoring or improving
the use and satisfaction of this Site.
Customer Service – With your express consent only, we may contact you via email in the future
to tell you about specials, new products or services, or changes to this Policy.
Chat – Our Site may use chat functionality to enable us to directly communicate
with you through our Site. We will primarily use such information collected
through chat functions to assess your needs regarding our products or
services and to collect your contact information so that we may contact
you to further discuss our products or services.
As described above, we share your Personal Information and Device Identifiers
with Google and ReachLocal for processing and analysis so that they can
help us understand how you use our Site so that we can enhance your experience
on our Site. We may also share your Device Identifiers with third parties
which will allow those third parties to send you advertisements targeted
to your interests.
Except as described in the paragraph above, unless you ask or provide your
consent to do so, we will not share your Personal Information with any
third party outside of our organization, other than with our service providers
and then only as is necessary to fulfill your request (e.g., to ship an
order). Only employees of our organization and our service providers who
need access to your Personal Information to perform a specific job (for
example, billing or customer service) are granted access to your Personal
Information. We make our employee aware of the importance of protecting
your Personal Information.
We may share anonymous, aggregated, demographic information about Site
users with our partners and advertisers. This is not linked, and cannot
be linked, to any Personal Information that can identify any individual person.
We will disclose Personal Information to a third party when we believe
in good faith that such disclosures (a) are required by law, including,
for example, to allow us comply with a court order or subpoena, or (b)
is necessary, in our opinion, to: enforce our policies; enforce contest,
sweepstakes, promotions, and/or game rules; protect your safety or security,
including the safety and security of property that belongs to you; investigate
improper use of the site; and/or, protect the safety and security of our
Site or sites of third parties.
In addition, if Combined Mortgage Ltd. is to be sold, merged or amalgamated or
is to sell or dispose of substantially all of its assets, your Personal
Information may be transferred to a potential purchaser if, and to the
extent, necessary for the purposes of deciding whether to proceed with
the sale and completing the sale. If such a sale, merger, acquisition
or disposal is completed, the purchaser may use and disclose your Personal
Information only to the extent described in this Policy if the information
relates solely to the carrying on of the business or activity or the carrying
out of the objectives for which the sale, merger or acquisition took place.
We offer you choices regarding our collection, use, and sharing of your
If you receive promotional electronic communications, including emails,
from us, you may indicate a preference to stop receiving further promotional
communications from us by contacting us directly at the mailing address
or at the email address or phone number provided on the electronic communication,
or at the email address or phone number given on our Site or as set out below.
As well, you will have the opportunity to “opt-out” of receiving
future electronic messages, including promotional messages, by following
the unsubscribe instructions provided in the promotional electronic communication
you receive or by contacting us directly as set out in the communication,
or at the email address or telephone number given on our Site or as set
out below. We do not charge for this service, and your unsubscribe request
will be processed within 10 days of the date on which we receive it.
You can do the following at any time by contacting us via the email address
or phone number given on our Site or via the contact information provided below:
- See what Personal Information we have about you, if any;
- Request that we change or correct any Personal Information we have about you;
- Request that we delete any Personal Information we have about you;
- See what Personal Information, if any, has been made available by us to
our affiliates, subsidiaries, related organizations, ReachLocal, Google,
or any other third parties;
- Tell us to stop using your Device Identifiers to send you advertisements
targeted to your interests;
- Notify us if you do not want us to contact you for marketing and promotional
purposes or for any purposes; or
- Opt-out of allowing the Site to use ReachLocal’s tracking or Google’s
If you contact us to do any of the things listed above, we may require
you to provide sufficient Personal Information to allow us to identify
you and tell you about the existence, use, and disclosure of your Personal
Information and this Personal Information will only be used for this purpose.
If you contact us about your Personal Information, we will respond to
your request within a reasonable time and at no cost to you.
You can set most web browsers to notify you if you receive a cookie, or
you may choose to block cookies, though either of those actions may affect
your use of our Site. If you prefer to not receive targeted advertising,
you can opt out of some network advertising programs that use your information.
For example, by visiting the Digital Advertising Alliance (DAA) Opt-Out Page at
http://www.aboutads.info/choices/, you can opt-out of some or all of the ads sponsored by some or all of
the Alliance members. Please note that even if you choose to remove your
information (via opting out), you will still see advertisements while
you are browsing online. However the advertisements you see may be less
relevant to you and your interests. Additionally, many network advertising
programs allow you to view and manage the interest categories they have
compiled from your online browsing activities. These interest categories
help determine the types of targeted advertisements you may receive. The
DAA Opt-Out Page provides a tool that identifies its member companies
that have cookies on your browser and provides links to those companies’
pages where you can opt-out of receiving targeted advertisements from
In addition, if you wish to opt out of any of the Advertising Cookies,
you can do this simply by navigating to
http://www.reachlocal.ca/opt-out, which will take you to a web page where you will be able to opt out of
the Advertising Cookies currently used in connection with ReachLocal’s
remarketing product and our Site.
The Site may contain links to other websites. Any Personal Information
you provide on linked pages or other sites is provided directly to that
Policy does not apply to such linked pages or other sites, and we are
not responsible for the content or privacy and security practices and
policies of these other websites or any other sites that are linked to
or from our Site. We encourage you to learn about the privacy and security
practices and policies of these other websites before providing them with
The Site is not intended for use by children under the age of 18. [
Combined Mortgage Ltd.] does not knowingly collect or use any Personal Information from any children
under the age of 13. If we become aware that we have unknowingly collected
Personal Information from a child under the age of 13, we will make commercially
reasonable efforts to delete such Personal Information from our database.
We take measures designed to protect your Personal Information in an effort
to prevent loss, theft, misuse, unauthorized access, disclosure, alteration,
copying, modification and destruction of your Personal Information. We
provide physical, organizational, technological, electronic, and procedural
safeguards to protect Personal Information we process and maintain. Please
be aware, however, that despite our efforts, no security measures are
perfect or impenetrable and no method of data transmission can be guaranteed
against any interception or other type of misuse. To protect the confidentiality
of Personal Information maintained in your account, if any, you must keep
your password confidential and not disclose it to any other person. You
are responsible for all uses of the Site by any person using your password.
Please advise us immediately if you believe your password has been misused.
Personal Information collected when you use the Site may be transferred,
processed and used outside of Canada, including in the United States of
America, although we remain responsible for your Personal Information.
The computers and servers in which we store and process your Personal
Information are kept in a secure environment. These computers and servers
may be located in countries outside of Canada, including the United States,
and may therefore be subject to different laws than those applicable in
Canada. While we aim to protect your Personal Information when it is transferred
outside of Canada, the laws of other jurisdictions may require the disclosure
of your Personal Information to governmental authorities under circumstances
that are different than those that apply in Canada and are contemplated
under this Policy.
We will store and retain your Personal Information only for as a long as
is necessary to fulfill the purpose for which it was collected. If we
have disclosed your Personal Information to a third party in accordance
with this Policy, we will ensure that it is only retained by that third
party for as long as is necessary for that third party to complete the
purpose for which we provided it to them.
This Policy and the privacy practices of
Combined Mortgage Ltd. will be subject to the laws of the jurisdiction in Canada in which you reside.
Combined Mortgage Ltd. makes no representation that this Policy and our practices comply with
the laws of any other country or jurisdiction.
If you have any questions about this Policy, please contact our Privacy
Officer at 13163-156 Street, Edmonton, AB T5V 1V2, (780) 944-1410. If you contact us about your Personal
Information, we will respond to your request within a reasonable time
and at no cost to you.