Privacy Notice

This privacy notice describes the information handling practices of Home Capital Group ("HCG") in the collection, use and disclosure of personal information related to providing public information about HCG and its subsidiaries. By using this website or otherwise submitting your personal information to HCG, you are consenting to the collection, use and disclosure of your personal information by HCG as outlined in this privacy notice. If this privacy notice is not acceptable to you, please do not submit any of your personal information.

We may update this privacy notice from time to time and you are responsible for periodically reviewing the most current version of this privacy notice on our website. Your continued use of the website or submission of information will be deemed your conclusive acceptance of the updated privacy notice.

In this privacy notice, the phrase "Service Providers" includes, but is not limited to, any licensors, suppliers, information providers or other third parties that provide or administer, from time to time, any data, information, content, application, tool or service to HCG.

Collection, Use and Disclosure of Information

HCG (or our Service Providers on our behalf) collects personal information about you through your submissions on our website or directly in writing or telephone such as your name, address, phone number, fax number, or e-mail address. We may collect this information when you subscribe to mailing lists or other information programs that we may offer from time to time, when you fill out forms made available through the website or contact us directly in writing or by telephone. We will limit the personal information we collect to what we need for the purposes for which it was collected and will use the personal information collected only for those purposes. We may also use personal information we collect to provide you with information about HCG that we believe may be of interest to you. If we wish to use your personal information for any other purpose, we will obtain your consent before using the information.

Storing of Information and Restricting Access

We may store your personal information (in encrypted form where we believe it to be highly sensitive) in databases or e-mail servers hosted by us or our Service Providers, for periods of time and with safeguards that we believe are reasonable depending on the nature and sensitivity of the information. Such personal information may be transmitted to a server in another jurisdiction and stored there or in the cloud. Access to the information is restricted in accordance with our security protocols.

Due to the nature of Internet communications and evolving technologies, HCG cannot provide assurance that the personal information we collect will remain free from loss, interception, misuse or alteration by third parties and HCG and its Service Providers shall have no liability for any loss, interception, misuse or alteration.

Automatic Collection of Information

In some cases, we may collect information about you that may or may not be personally-identifiable. Examples of this type of information include your Internet protocol (IP) address, the type of Internet browser you are using, the type of computer operating system you are using, the pages viewed on HCG’s websites, website navigation path, duration of access, the website elements or forms you click or view, and the advertisement or domain name of the website from which you linked to HCG’s website. The collection, use, disclosure and storage of such information will be in accordance with this privacy notice, including for the purpose of optimizing website user experience.

Cookies and Other Website Tools

Some pages on the website use a technology called "cookies". A cookie is an electronic token that a server gives to your browser when you access a website. Cookies are used to store many types of data and may be placed by HCG or a third party. Cookies help provide additional functionality to the website or help provide and analyze website traffic and usage information. Usage data can be stored in these cookies, in order to record your preferences, log-in details and settings for future visits, and in some cases to personalize the content displayed on the website. For instance, our server may set a cookie that keeps you from having to enter a password more than once during a visit to one of our websites. In all cases in which cookies are used, we will not collect personally-identifiable information except with your permission.

In addition to the cookies we set during your use of the Websites, additional cookies may be set, where applicable, by third party providers when you visit our website. This occurs because we have commissioned third parties to collect information for us, for example for statistical usage analysis; it also occurs because our sites may contain content of third parties. Where required, your browser connects, for the purpose of accessing such third party content, directly with the servers of the third party providers, thus enabling those providers to place their own cookies on your end device.

We may make use of tools to analyse the information obtained by the cookies about your use of the website to statistically evaluate your use of our website for us, to create reports on website activities and to provide further services related to the website and the internet usage for us. This information may be transmitted to a server in another jurisdiction and stored there or in the cloud.

Clear GIFs (also known as web bugs, beacons, tracking pixels or tags) are small graphic images which are placed on a website. Clear GIFs may be used to collect statistical usage data about the website, functions or other elements of a website. We use the data collected in this way for statistical purposes in order to analyze and improve the website and related marketing.

Releasing Information

We may provide your personal information to other persons but only if:

  • we have obtained your consent;
  • we provide the information to Service Providers who assist us in serving you and who have agreed to appropriate contractual provisions regarding the protection of personal information in accordance with applicable law; or
  • we are required to do so by law, regulation or court order.

Your personal information may be shared with our affiliates and other third parties who provide services on our behalf. For example, we use Service Providers to assist us to process, store and secure data. This may include sending email or other communications using online services. Our Service Providers are given the information they need to perform their contracted functions and are not authorized to use or disclose personal information for their own purposes. Your personal information may be maintained and processed by us, our affiliates and other third-party Service Providers in other jurisdictions. In the event personal information is transferred to another jurisdiction, it will be subject to the laws of that jurisdiction and may be disclosed to or accessed by the courts, law enforcement and governmental authorities in accordance with those laws.

Respecting and Responding to Your Privacy Concerns

You have the option to refuse or withdraw consent to the collection, use and disclosure of your personal information, and we will respect your choices. If you wish to exercise this option or if you have any questions or enquiries with respect to our privacy policies or procedures, please send a written request to: Chief Privacy Officer, Home Capital Group, #2300-145 King St. West, Toronto, ON, M5H 1S3. We will investigate and respond to your concerns about any aspect of our handling of your information.


Updated January 15, 2019