Contrast Toggle

Privacy Notice

Real Matters Privacy Notice

Last Updated: March 23, 2022

Purpose of This Notice

At Real Matters we are committed to providing our clients with financial products and services to meet their needs. Our commitment includes protecting personally identifiable information we obtain about you. This Privacy Notice (“Notice”) describes how we collect, use, disclose and protect Personal Information (as defined below) that Real Matters Inc. and its Canadian subsidiaries, affiliates and divisions (“Real Matters,” “we,” “us,” or “our”) collect about you. This Notice applies to any party whom we receive Personal Information from or about, including, but not limited to our clients, our clients’ consumers, vendors and users of this website and our mobile applications (collectively, “Sites”) that display or link to this Notice.  By using our Sites, you consent to the collection, use and disclosure of your Personal Information in compliance with this Notice and subject to the applicable federal and provincial laws of Canada.  

Privacy for Other Websites

Our Sites may contain links to the websites of non-affiliated companies. Real Matters is not, however, responsible for the privacy practices or the content of these websites. We recommend that you review the privacy notice of each linked website that you visit.

Information We Collect

We collect certain personally identifiable information that can be used to contact or identify you (also known as “Personal Information”). In particular, we may receive and/or obtain the following types of Personal Information: (i) contact information such as name, address, phone number, email address; (ii) demographic information such as date of birth, gender, marital status; (iii) government ID numbers such as social insurance number (SIN), driver’s license, passport; (iv) financial account information; (v) responses to any surveys you complete in relation to or regarding your experience with our products or services; and/or (vi) any other information collected in the ordinary course of business in order to provide our products and/or services.

Collecting Personal Information is necessary for performance of the services and functionalities offered on the Site. If you decline to provide the requested Personal Information, we may not be able to provide the requested products or services or process your inquiry or other requests.

We also collect browsing information from your Internet browser, computer, and/or mobile device if you visit or use our Sites, including, but not limited to, Internet Protocol (IP) address or device ID/UDID, protocol and sequence information, browser language and type, domain name system requests, browsing history (such as time spent at a domain, time and date of your visit and number of clicks), http headers, application client and service banners and operating system data (collectively, “Browsing Information”).

How Information is Collected

We obtain the types of Personal Information listed above from the following sources:

  • directly from you when you complete forms and applications in connection with the products and services we provide, use our products and services or otherwise interact with us and our Sites;
  • from our clients (i.e., lenders) when they provide us with information collected about you in connection with forms and applications completed by you or our clients on your behalf, products and services ordered by our clients on your behalf or other correspondence and communications between us and our clients related to your transaction; and
  • directly from any affiliates and third-party service providers performing services for us in relation to your transaction.

We may collect Browsing Information from the use of cookies and similar technologies.  Please note that third-party ad networks and service providers may collect Browsing Information and use and disclose such information for their own purposes, subject to their privacy notices. You have the choice to set your browser to accept or reject cookies. Please consult the “Help” menu or other appropriate tool of your browser to learn how to change your cookie preferences.

We may also receive information about you from third parties. Such third parties may provide information about you and your use of its service to us. We may also collect Personal Information about you from commercially or publicly available sources, including government entities.

Use of Personal Information

We may use the Personal Information we collect for one or more of the following business purposes:

  • to fulfill or meet the reason you provided the information, including responding to your inquiries, questions and/or other requests or providing our services and products;
  • to support, develop and improve our Sites, products and services;
  • to create, maintain, customize and secure your account with us;
  • to process your requests, transactions and payments and prevent transactional fraud;
  • to help maintain the safety, security and integrity of our Sites, products and services, databases and other technology assets;
  • marketing purposes;
  • for such other purposes as may be described to you when collecting your Personal Information or as otherwise set forth in this Notice.

We will not collect additional types of Personal Information or use the Personal Information we collected for materially different, unrelated or incompatible purposes without providing you prior notice. See “Changes to our Privacy Notice” for further details.

Disclosing Personal Information

We may disclose your Personal Information to the following third parties:

  • our subsidiaries and affiliates;
  • our clients (i.e. lenders);
  • service providers and/or other third parties who provide or perform certain services on our behalf, or whom we otherwise engage in connection with our business;
  • law enforcement or other governmental authorities if we become legally compelled to do so (i.e. by deposition, interrogatory, subpoena, court order or to comply with applicable law) or otherwise upon good faith belief that such disclosure is necessary for fraud prevention or otherwise to investigate or prevent a violation of law;
  • a third-party purchaser or potential purchaser in connection with a potential merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Information held by Real Matters is among the assets transferred;
  • potential third-party investors in Real Matters or any of its affiliates; and
  • other parties for whom you have given us written authorization to disclose your Personal Information.

We implement and maintain physical, electronic and procedural safeguards reasonably designed to: (i) protect the security, confidentiality and integrity of your Personal Information; (ii) prevent unauthorized use, access to, disclosure, loss or theft of your Personal Information; and (iii) prevent and detect unauthorized intrusions into our systems.  We do not disclose, make available or provide access to any of your Personal Information to any of our subsidiaries, affiliates, employees, contractors, service providers or third parties, other than those who require such Personal Information in order for us to provide our products and services and who are bound by confidentiality obligations or as otherwise provided for in this Notice. We carefully select and monitor any contractors, service providers, third parties, potential investors or potential third-party acquirers who have access to your Personal Information and we require them to keep it confidential.  However, we are not able to guarantee the security of our Sites.  

Your Rights and Choices

It is your choice to submit Personal Information to us, regardless of whether such information is provided to us directly or indirectly.  If you choose to opt out of submitting Personal Information to us we may not be able to provide certain of our services or products. 

As permitted by law, you may opt-out of disclosure or use of your Personal Information by notifying us by one of the methods at the end of this Notice.

Information from Children

Our Sites are meant for adults and are not intended or designed to attract children under the age of 16.  We do not knowingly collect or sell Personal Information from any person under the age of 16 without permission from a parent or guardian.  If you are under the age of 16, do not provide us with any information about yourself, including your name, address, email address, telephone number, etc.  If we learn we have collected or received Personal Information from anyone under the age of 16 without parental consent, we will promptly delete that information.  If you believe we might have any Personal Information from or about anyone under the age of 16, please contact us at:

Real Matters Inc.

50 Minthorn Boulevard, Suite 401

Markham, ON, L3T 7X8

Attention: Compliance Department

Email: privacy@realmatters.com

Accessibility

In accordance with the Accessibility for Ontarians with Disabilities Act, 2005, we take all reasonable measures to aid consumers requiring assistance to address any disability related needs. As such, consumers with disabilities may access this Notice in an alternative format by calling us toll-free at (877) 240-6310 or by contacting us by email at privacy@realmatters.com. If you require telecommunication via teletype (TTY), please dial 711 for TTY.

Changes to Our Privacy Notice

We reserve the right to amend this Notice in our sole discretion at any time. When we make changes to this Notice, we will post the updated Notice on our website and update the Notice's effective date. Your continued use of our website and/or our products and services following the posting of changes constitutes your acceptance of such changes.

Contact Information

If you have any questions or comments about this Notice, the ways in which we collect, use, and disclose your Personal Information and/or your choices and rights regarding such use or your desire to exercise any such right contemplated in this Notice, please do not hesitate to contact us at:

Postal Address:

Real Matters Inc.

50 Minthorn Boulevard, Suite 401

Markham, ON, L3T 7X8

Attention: Compliance Department

Phone: (877) 240-6310

Website: www.realmatters.com

Email: privacy@realmatters.com