Privacy Policy

We're very concerned about our online visitors' and clients' privacy rights, and we're committed to safeguarding the information we gather about you on our website, www.approva.ca, which is owned and administered by Approva Inc. We've taken a number of steps to ensure the security of your personal information and to keep it safe from misuse, unauthorised access, and exposure. Unfortunately, there is no way to guarantee that data transmitted via the Internet is completely safe. As a result, while Approva takes precautions to protect your information, we cannot guarantee or promise the security of any information you communicate to us, and you do so at your own risk. Approva takes control after we get your transmission and goes above and beyond industry standards to protect the confidentiality of your information, such as employing Firewalls and unique User Name and Password protections and 256-Bit encryption through large Cloud providers, such as Amazon Web Services (AWS). We also restrict internal access of stored data to select employees that have been informed of our privacy policies. If you have concerns involving the security or privacy of your information, you can arrange to talk to one of our representatives by calling us directly.

Your personal information

If you submit a mortgage application to www.approva.ca you are required to provide certain information necessary to deliver the selected services. In some instances, you will only provide personal information such as name, address, e-mail address, phone number and other contact information. In other cases, you will be asked to provide the preceding contact information as well as personal financial information in order for Approva to perform the services requested. The more information you share with Approva, the more accurately Approva will be able to provide you with information and services you have indicated are of interest.

Collection of personal information

Approva uses information collected from our mortgage inquiries to generate city and province-specific statistics. The information used is an average of all information collected and never identifies you personally. If you do not wish to have your information included in our averages, please make a note of it on the application, or contact us. We use cookies and other tracking devices on our website, including the Google Analytics cookie. The use of cookies allows us to measure site activity to provide a better user experience. Cookies and other tracking devices may be used to tell us the time and length of your visit, the pages you look at on our site, the site you visited just before coming to ours, and the name of your Internet service provider. This helps us understand our Clients' needs better and improve areas of our services that our Clients find valuable. For instance, when you visit www.approva.ca, our website recognizes the type of browser you are using (Firefox, Chrome or Internet Explorer), the site that linked you to our site, the pages you visit at our site, third-party audience data (such as age, gender, and interests), and similar information. None of this information identifies you personally. We may use third parties to serve our advertisements on other websites. In serving our advertisements, these companies may use cookies and other tracking devices to collect certain information about your visits to other websites (such as browser type, IP address, which page was visited, and time of day). This information may be used to evaluate our online advertising campaigns or to tailor promotions and other marketing messages to you. You may elect to refuse cookies. Please refer to the Help instructions in your browser to learn more about cookies and how to manage their use. We use Google AdWords remarketing and Google Analytics remarketing to advertise Approva across the Internet. AdWords remarketing will display relevant ads tailored to you based on what parts of the Approva website you have viewed by placing a cookie on your machine. These cookies DO NOT identify you in any way or give access to your computer. The cookies simply tell us, “this anonymous person visited this page, so show them ads relating to that page.” Google AdWords remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you. We will never associate personally identifiable information in our AdWords and remarketing lists.

Use and disclosure of information

With your prior consent, we may disclose any information we collect, as described above, to Approva service providers to perform a service for us or perform a function on your behalf. In cases where we use service providers, we restrict such service providers from using your non-public personal information except to act on our behalf or as required or permitted by law. Disclosure to Approva affiliates or service providers will be necessary so that you can receive the best possible RATES, SERVICE and MORTGAGE OPTIONS from the financial services offered by Approva affiliates or service providers.

Removal of personal information

You can request that we purge the entirety of the personal information submitted by you through www.approva.ca from our database by providing instructions to Approva Privacy Officer (see below). Canadian AML (anti-money laundering) regulation requires Approva to retain certain documents. Any digitally warehoused information not covered by Canadian AML will be deleted. Please note that Approva cannot purge information from the systems or files of our Approva affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services. If you do not wish to participate in our Google AdWords remarketing, you can opt-out by visiting Google's Ads Preferences Manager, https://www.google.com/setting. You can also opt out of any third-party vendor's use of cookies by visiting www.networkadvertising.org/cho. Approva provides the www.approva.ca Internet site "as is" to the user without any warranty or condition, express, implied or statutory. Approva disclaims any implied warranties of title, merchantability, non-infringement of intellectual property or fitness for any particular purpose. Except as may be otherwise expressly provided by written agreement between Approva and the user, Approva 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. Approva does not endorse the services or products of advertisers, sponsors, or affinity partners. Product or service information is believed to be correct, but should not be relied on without prior verification. www.approva.ca contains links to outside sites, through banners, and other portals, to third party sites that send their own cookies, collect data and solicit information. Approva does not control these sites and as such we do not endorse their products, services or information and are not associated with the operators. In the event of errors or omissions in any information, Approva sole responsibility shall be to use its best efforts to correct, by the issue of a corrected release, any errors or omissions which it or any of its employees, servants or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. Without limiting the generality of the foregoing, in no event shall Approva or any of its servants, employees or agents be liable in contract, tort or otherwise to any person (including, without limitation, the subscriber) for any loss, damage, injury, liability, cost or expense of any nature (including, without limitation, direct, indirect, consequential, incidental, special and 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 Approva’ Privacy Policy and Terms Of Use. From time to time we may change or update our privacy policies. It is your responsibility to check back regularly to inform yourself of such changes. Your continued use of www.approva.ca following the posting of changes to these terms will be deemed as your acceptance of those changes. The foregoing policies are in effect as of February 10 2022. Approva reserves the right to change this policy statement at any time by posting the revised policy on this website. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.