Unimor Capital Corporation recognizes the importance of protecting your privacy and personal information. This privacy policy and terms of use statement applies to the Unimor website and governs all data collection and usage of our site.  By using the Unimor website, you consent to the data practices described herein this statement.

Website Data Collection

Log Files

As with most other websites, we collect and use the data contained in log files.  The information in the log files includes your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you use to visit our site, (such as Internet Explorer or Firefox), the time of day you visit our site, and the pages you visit throughout the site.

Personal Information

Unimor collects personally identifiable information, such as your e-mail address, name, home, or work address, and telephone number.  Unimor uses this information to inform you of products or services available to you.

If you apply for a mortgage or loan on our website, you are required to provide certain personally identifiable information necessary to deliver the selected service, including your name, address, phone number, e-mail address, and current employment information.  This information is necessary to process your application and to contact you.

If you submit an application for a mortgage or loan, you warrant and confirm that the information given in the mortgage application form is true and correct and that you understand that it is being used to determine your credit responsibility. You authorize us to collect personal information about you from a variety of sources including yourself, credit bureaus, credit reporting agencies, financial institutions, references you have provided to us, and from persons who may have referred your mortgage or loan business to us.  You authorize each respective source to provide us with any necessary information including but not limited to credit score, employment history, and other financially related information.  In addition, you acknowledge and understand that the information provided in the application form and information we obtain in relation to your credit history, may be disclosed in writing (by fax, e-mail, or other electronic transmission) to potential lenders, financial intermediaries, mortgage insurers, organizations providing technological or other support services required in relation to the application, and any other parties with whom you propose to have a financial relationship.

You acknowledge that the personal information collected from you and others (as mentioned previously) may be used for the following purposes: (i) to determine your financial situation (ii) to determine your initial and ongoing eligibility for mortgage or loan services (iii) to administer or service your mortgage or loan (iv) to arrange for and in connection with the financing of your mortgage or loan business (v) as otherwise necessary for the provision of mortgage or loan services

You acknowledge that the personal information collected from you and others may be disclosed to the following people for the following purposes: (i) to credit bureaus, credit reporting agencies, mortgage insurers, and financial institutions to confirm your financial situation and your initial and ongoing eligibility for mortgage or loan services (ii) to persons retained to administer or service your mortgage or loan for the purpose of such administration or servicing (iii) to persons (or their permitted assignees) involved in the financing or securitizing, or facilitation of the financing or securitizing, of our mortgage or loan business for the purpose of their providing or facilitating such financing or securitizing (which may include the administration or servicing of your mortgage or loan by them or their agents) (iv) to other persons as necessary for the provision of mortgage or loan services to you.

You further understand and acknowledge that any potential lender, financial intermediary, or any other of the aforementioned credit granting or loan granting institutions to whom Unimor may submit your information to may obtain its own credit report, and you authorize those parties to do so.

Security

Unimor has taken measures to protect the security of your personal information and data from misuse and unauthorized access or disclosure.  Unimor exercises great care in providing the secure transmission of your information between our company and our servers.  While Unimor strives to protect your information, data transmission over the Internet cannot be guaranteed 100% secure.  As a result, we cannot ensure or warrant the security of any information you transmit to us, and thus you do so at your own risk.  Once we receive your information, we restrict internal access of the stored data to select employees that have been informed of our privacy policies.

Website Terms of Use

We provide the unimorcapital.com website “as is” and “as available” to the user without any warranty or condition, whether expressed, implied, or statutory.  Furthermore, we disclaim any implied warranties of title merchantability, fitness for any particular purpose, or non-infringement of intellectual property or violation of rights.

We do not warrant or make any representation concerning the accuracy, likely results, or reliability of the use of the materials or calculators on this website, or otherwise related to such materials or on any other site linked to our website.

Except as may otherwise be expressly provided by written agreement between Unimor and the user, Unimor will have no tort, contract, or any other liability to the user and/or any third party, arising in connection with the use of this internet site, or reliance on any information or services provided at this internet site.

Furthermore, Unimor does not endorse the services or products of advertisers, sponsors, or affinity partners that may appear on Unimor’s website.  Product or service information is believed to be correct, but should not be relied on without prior verification. Unimorcapital.com may contain links to outside websites through banners, e-mail, or other portals, or to third-party sites that send their own cookies that collect data and solicit information.  Unimor does not control these websites and as such, does not endorse their products, services, or information, and is not associated with the operators.

In the event of errors or omissions in the information transmitted, our sole responsibility shall be to use our best efforts to correct, by the issue of a corrected release, any errors or omissions, which we or any of our employees, servants, or agents may have made, negligently or otherwise, in transmitting copy accurately once brought to our attention.  Without limiting the generality of the foregoing, in no event, shall Unimor or any of Unimor’s servants, employees, or agents, be liable in contract, tort, or otherwise, to any liability, cost, or expense of any nature (including, without limitation, direct, indirect, consequential incidental, special and/or punitive damages), which such person may suffer or incur as a result of any such errors or omissions or any delays in transmission or non-transmission.

Your Acceptance of These Terms

By using this site, or by submitting personal information to us, you signify your agreement to Unimor’s privacy policy and terms of use.  From time to time, Unimor may change or update its privacy policies and it is your responsibility to check back regularly to inform yourself of such changes.  Your continued use of the UnimorCapital.com website following the posting of such changes to these terms will be deemed as your acceptance of those changes.

Unimor reserves the right to change this privacy statement at any time.  If Unimor decides to change their privacy policy, they will post such changes.  The statement and policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Unimor Capital Corporation is committed to a high standard of customer service.  Unimor Capital Corporation is proud of its positive reputation and encourages individuals to inform them if they believe they have been unsuccessful in dealing with others properly and fairly in all aspects of their business.

Concerns or Complaints

If you have any concerns or complaints, please contact Unimor’s Chief Complaints Officer Andrea Ryan at andrea@unimorcapital.com.  Upon receipt of a complaint, the Complaints Officer will take immediate action to investigate.  If the complaint relates to a completed file or a file in progress, the Complaints Officer will pull the documentation on file with the company.  The Complaints Officer will review the documentation and then forward the complaint to the specific mortgage broker or agent for comment.

The Complaints Officer will respond to all complaints verbally within 48 hours of receipt and will follow up with a written response as quickly as possible.  Should the mortgage broker or agent responsible for the file not be forthcoming in dealing with the matter, the Complaints Officer will take reasonable steps to deal with the matter.

If the Complaints Officer is unable to resolve the complaint, you are encouraged to contact the Financial Services Commission of Ontario by calling 1-800-666-0128 or by visiting their website at www.fsco.ca and filing a Mortgage Business Activity Complaint Form.

We thank you for visiting our website!  At Unimor Capital Corporation, we work hard for your business and we want to make every transaction as smooth and stress-free as possible.