1. About This Policy
This Privacy Policy explains how Three Canada, a specialist support platform operated by Three Canada Lending House, collects, uses, discloses, and protects personal information in connection with our mortgage support services.
Who We Are: Three Canada operates as a specialist support platform within Three Canada Lending House, a mortgage brokerage licensed by the BC Financial Services Authority (BCFSA). We provide specialized mortgage support services to mortgage brokers, realtors, and their clients across British Columbia.
2. Information We Collect
Personal Information
When you work with Three Canada, we may collect:
- Identity Information: Full legal name, date of birth, Social Insurance Number (SIN), government-issued identification
- Contact Information: Address, email address, phone numbers
- Financial Information: Employment details, income documentation, assets, liabilities, credit history, banking information
- Transaction Information: Mortgage application details, property information, loan terms, payment history
- Professional Information: For mortgage brokers and realtors — license numbers, brokerage affiliation, professional credentials
Information Collected Automatically
- Website usage data through cookies and analytics
- Device information and IP addresses
- Communication records (emails, calls, messages)
3. How We Use Your Information
We use personal information for the following purposes:
Mortgage Services
- Assessing mortgage applications and determining eligibility
- Submitting applications to lenders on your behalf
- Facilitating mortgage approval and closing processes
- Providing ongoing mortgage support and servicing
Regulatory Compliance
- Complying with BCFSA licensing and reporting requirements
- Meeting FINTRAC obligations for anti-money laundering and terrorist financing prevention
- Maintaining records as required by the Mortgage Brokers Act (BC)
- Responding to regulatory inquiries and audits
Business Operations
- Communicating with you about your mortgage application
- Coordinating with referring brokers and realtors
- Improving our services and developing new offerings
- Maintaining business records and analytics
4. Legal Basis for Processing
We process personal information based on:
- Consent: You provide explicit consent when engaging our services
- Contract Performance: Processing is necessary to fulfill our mortgage services agreement
- Legal Obligation: We must comply with BCFSA, FINTRAC, and other regulatory requirements
- Legitimate Interests: Processing supports our business operations while respecting your privacy rights
6. Data Security
We implement comprehensive security measures to protect your information:
- Technical Safeguards: Encryption, secure servers, firewall protection, access controls
- Administrative Safeguards: Privacy policies, employee training, confidentiality agreements
- Physical Safeguards: Secure facilities, locked filing systems, controlled access
Despite these measures, no electronic transmission or storage is completely secure. We cannot guarantee absolute security but commit to promptly addressing any security incidents.
7. Data Retention
We retain personal information for the following periods:
- Active Files: Duration of mortgage term plus 7 years (BCFSA requirement)
- Declined Applications: Minimum 7 years from application date
- FINTRAC Records: 5 years from transaction date (regulatory requirement)
- Communications: 7 years from last contact
After retention periods expire, we securely destroy or anonymize personal information unless ongoing legal obligations require continued retention.
8. Your Privacy Rights
Under PIPEDA and BC privacy legislation, you have the following rights:
Access and Correction
You may request access to your personal information and request corrections to inaccurate or incomplete information.
Withdrawal of Consent
You may withdraw consent for certain uses of your information, subject to legal and contractual restrictions. Note that withdrawing consent may impact our ability to provide services.
Complaint Rights
If you have concerns about how we handle your information, you may:
- Contact our Privacy Officer (contact information below)
- File a complaint with the Office of the Privacy Commissioner of Canada
- File a complaint with the BC Financial Services Authority
10. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of external sites. We encourage you to review privacy policies of any third-party sites you visit.
11. Changes to This Policy
We may update this Privacy Policy to reflect changes in our practices or legal requirements. Material changes will be communicated through:
- Website notification with updated "Last Updated" date
- Direct communication for significant changes affecting your rights
Continued use of our services after changes indicates acceptance of the updated policy.
12. Contact Information
Privacy Officer
Three Canada / Three Canada Lending House
Email: activate@3canada.ca
Phone: 604-373-0600
For general inquiries: activate@3canada.ca
13. Regulatory Information
Three Canada operates as a specialist support platform of:
Three Canada Lending House
Mortgage Brokerage License: BCFSA Licensed
Licensed by: BC Financial Services Authority (BCFSA)
Compliant with: Financial Transactions and Reports Analysis Centre of Canada (FINTRAC)
For regulatory inquiries:
BC Financial Services Authority
Website: www.bcfsa.ca
Office of the Privacy Commissioner of Canada
Website: www.priv.gc.ca