Your privacy is important to us and we may collect the information you submit via
this website for the purpose of keeping you up to date on our current projects and
news releases. We and/or our agents will use this data solely to comply with any
request for information, submission of relevant application, or in a manner otherwise
disclosed or authorized by you. We will not sell, disclose or otherwise transfer your
personal information submitted to us to any third party with the exception of
disclosing information to the extent that we are required to do so by law, in
connection with any legal proceedings or prospective legal proceedings, and in order
to establish, exercise or defend our legal rights. All personal information submitted is
stored on a secure server with limited access.
Electronic Documents Act (PIPEDA), which includes the ten privacy principles
outlines in the Canadian Standards Association Model Code for Protection of Personal
Privacy. For more information about this, you can visit the official website of the
Privacy Commission of Canada at https://www.priv.gc.ca/ .
Principle 1 – Accountability – We are accountable for all personal information in
our possession or custody, including personal information disclosed to third parties for
purposes of providing services requested by you.
Principle 2 – Identifying purposes – We will inform you of the purpose for which
we are collecting any personal information, either before, or at the time information is
Principle 3 – Consent – We will obtain your consent before or when we collect, use
or disclose your personal information and this information is not to be used for any
Principle 4 – Limiting collection – The information collected will be limited to those
details necessary for the purposes we have identified that relate to managing our
relations with the provider of the information. 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 the
provider of the information has otherwise consented, or when it is required or
permitted by law. In certain exceptional circumstances, we may have a legal duty or
right to disclose personal information without your knowledge or consent with respect
to matters that concern the Atrium’s or the public’s interest.
Principle 6 – Accuracy – We 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
Principle 7 – Safeguarding personal information – Personal information is
safeguarded using measures appropriate to the sensitivity of the information. All
personal records are safeguarded to protect against theft or falsification of
information. Appropriate controls such as restricted access exist on our computer
system, and access to physical areas where personal information is stored is limited to
authorized employees or agents.
Principle 8 – Openness – We will make information available regarding the policies
and procedures we use to manage personal information.
Principle 9 – Individual access, accessing and amending information – Upon
written request, you will be informed of the existence, use, and disclosure of your
personal information, and will be given access to it. We will respond to such requests
as efficiently as possible. If we are prohibited from providing such access or unable to
provide access, we will explain the reasons for the lack of access, except where
prohibited by law.
Principle 10 – Addressing complaints and suggestions – You may challenge our
investigate and respond to any complaints or questions. Clients may also contact our
Privacy Officer to express any concerns or to request access to their personal
information. Our privacy officer is Jeffrey Sherman, 900 – 20 Adelaide St. East,
Toronto, ON M5C 2T6, +1 416 607-4200.
If you have completed the above process and we have been unable to resolve your
concern, you may file a complaint with the Privacy Commissioner of Canada or the
appropriate provincial privacy officer. The Privacy Commissioner of Canada may be
contacted at Place de Ville 112 Kent St., 34d Floor Ottawa, ON, K1A 1H3 Toll free
at +1 800 282 1376 https://www.priv.gc.ca.
Consent to collect, use or disclose your personal information
With certain exceptions as outlined below, we will obtain your consent to collect, use
or disclose personal information. This consent will allow us to check your
employment, obtain a credit report and exchange information with credit reporting
agencies and share your information with our affiliates. In most cases, we will seek
your consent to use your personal information. If you are a borrower or guarantor, by
completing an application for a loan, including a personal financial statement, you are
giving your consent to use the personal information provided by you during the loan
approval process in the ways outlined above or in the documentation provided to you
at the time or as required or permitted by law or other rules and regulations governing
us and our business. Your consent may be given in writing, verbally or by electronic
means. We may rely upon implied consent where permitted by law including where
the following situations occur:
- where a customer relationship already exists;
- where express consent has been previously been given for the same or similar
use of the personal information;
- where the intended use is reasonably obvious from the context in which it is
obtained and you provide the information voluntarily.
The following are exceptions where we may collect, use or disclose personal
information without consent and for which you may not withdraw consent:
- if we use an outside supplier to do work for us as outlined above;
- if we are compelled to release information by a court or other legal or
regulatory authority or permitted to do so by law;
- to protect our interests, such as collecting overdue payments, realizing on
security pledged for a loan, or to detect or prevent fraud;
- to periodically update your personal information with credit reporting agencies
as long as you have a loan with us and for a period of time following payment,
in order to maintain the integrity of the credit reporting system;
- where we need to exchange or disclose customer information to syndicate or
assign your mortgage or loan, or as part of the sale or merger of our business.
Where you are permitted to withdraw your consent, and you do withdraw your
consent, (if, for example you choose not to receive direct marketing), we will do our
best to make sure that our files are updated as quickly as possible. You must give us
reasonable notice of your withdrawal of consent in writing. If you withdraw your
consent, we will inform you of the implications of such withdrawal. To withdraw your
consent, simply contact us and advise us of what Personal Information you no longer
wish us to use. Withdrawal of your consent may result in us being unable to continue
to offer you our products or services
Information collected and stored automatically
All visits to the Atrium MIC website are done so anonymously, we do not collect
personal information unless it is voluntarily provided. Every time you visit the site,
we may automatically store information on what web browser you are using, what
pages you are accessing, the date and time and what site you came from. This type of
information is used to identify trends and plan upgrades for the website, and we have
no way of identifying you as a person.
Type of customer information that we collect
We collect the following types of client information about you for the purposes set out
- information which enables us to identify and communicate with you including
name, address, phone number, e-mail address, and language preference
- information which enables us to offer you services that better meet your needs
including demographic information such as birth date, education level,
occupation, marital and family status, purchase preferences and interests.
When you contact us or when we contact you, we may monitor and/or record such
contacts for staff training and quality assurance purposes.
Retention of information
Personal information is retained as long as required to fulfill these purposes. We have
established retention policies and procedures to ensure that when the retention period
expires, your personal information will be removed from our systems and destroyed in
a secure manner.
Third party links
Atrium MIC has provided links from this web site to several other sites. Please be
aware that when linking to these external sites, you are leaving the Atrium MIC web
site and that Atrium MIC is not responsible for the content on other sites. Please note
that when you link to such sites your information may be exposed to other parties and
be subject to their policies.