Black Rose Financial Services Inc. is committed to maintaining and protecting personal information of our clients, staff, and any other person who may provide us with confidential information, including users of our website in order to better serve our clients and to fulfill the requirements of the Personal Information Protection and Electronic Documents Act (PIPEDA).

This Privacy Policy governs our dealing with “personal information”. Personal information means any information about an identifiable individual including such information as age, gender, religion, ethnic background, family status, political affiliations, health, purchasing and spending habits, credit and loan records, investments, tax return financial information, email address, home address and home phone number. Personal information does not include business information such as the name, title, business address or telephone number of an employee of an organization.

We are responsible for all personal information in our possession or control. This would extend to information to which third parties who provide goods or services to our firm may have access, such as: contract lawyers or accountants, technology advisors, temporary personnel and website managers. We restrict access to such third parties as much as is reasonably possible. We will require express consent from our clients to release any personal information to third parties in the course of business on behalf of the client such as: spouses, bankers, investment advisors, real estate or business valuation specialists, and other similar professionals.

The purposes of collecting this information is to serve our clients and for other purposes which would be considered related or otherwise reasonable in the circumstances. For example, we primarily collect, use and disclose personal information for the following reasons:

For the mortgage review and underwriting purposes

To invoice clients, process and collect accounts

To report to required regulatory authorities

When personal information has been collected and is to be used or disclosed for a purpose not previously identified, the new purpose will be identified prior to its use or the disclosure and consent for the specified purposes sought. Use of personal information shall be limited to that which is necessary for the purposes identified in this Privacy Policy.