Limitation of Liability & Disclaimer
USE OF THIS SITE AND CONTENT IS SOLELY AT YOUR OWN RISK.
Rala Investments Ltd. provides the Site and the Content on an “as-is, where-is” basis, and does not represent, warrant or guarantee that the Site or the Content will be free of errors, viruses, worms or other disabling material which may adversely affect the operation of your computer or other software or that the Site will function on an uninterrupted basis. Rala expressly disclaims all warranties, express or implied, with respect to the Site and the Content, including, without limitation, any implied warranties of merchantability, fitness for a particular purpose or ownership and non-infringement of the Content. NEITHER RALA OR ITS RESPECTIVE LICENSEES, SUBSIDIARIES, AFFILIATES, OFFICERS, AGENTS AND OTHER PARTNERS AND EMPLOYEES IS LIABLE FOR ANY LOSS OR DAMAGES OF ANY KIND (INCLUDING, WITHOUT LIMITATION, DIRECT, INDIRECT, INCIDENTAL, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES) ARISING OUT OF OR IN CONNECTION WITH THE USE OR ACCESS OF THIS SITE OR THE CONTENT, WHETHER SUCH LOSS OR DAMAGE ARISES OUT OF CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY OR RESPONSIBILITY.
As Rala cannot and does not represent, warrant or guarantee that the Site or the Content will be free from errors, viruses, worms or other disabling devices, you should take, and represent and warrant that you have taken, reasonable and appropriate precautions to scan for computer viruses. You should also ensure that you have, and represent and warrant that you have, a complete and current backup of the information contained on your computer prior to using or accessing the Site or the Content. You are only authorized to visit, view and to retain a single copy of pages of the Site for your own personal use. You shall not duplicate, download, publish, modify or otherwise distribute any of the information, reports, data, graphics, trade-marks, text, files, software, product or company names, trade-marks or trade-names listed, contained, embedded or otherwise present on this Site from time to time (collectively, the “Content”) for any purpose. Additionally, you shall not, without Rala’s prior written permission, remove or modify any legal notices or credits which may be present on the Site, link or post links to any subdirectory of the Site or frame any portion of the Site.
Access & Interference
You shall not use any robot, spider or any other device or process to monitor or copy the Site or the Content without Rala’s prior written permission, and also shall not use any device, software or routine to interfere or attempt to interfere with the proper operation of the Site or, where applicable, the Content.
You shall indemnify and hold Rala (and their respective affiliates, officers, agents and other partners and employees) harmless from any loss, liability, claim or demand, including reasonable legal fees, made by any third party due to, or arising out of, your use and access of the Site.
Information contained in mortgage applications, online or otherwise, is submitted to enable Rala to provide mortgage broker services to you. Rala shares this information with others that are directly involved in the mortgage process such as credit reporting agencies, financial or insurance institutions as well as mortgage software and systems companies. Your submission of this information to us is your consent to use and share this information in order to provide the mortgage broker services requested. In addition, Rala may use this information to contact subsequent to the completion of your mortgage broker transactions to provide you with information about your mortgage account or to present you with additional products or services we think you may be interested in receiving.
Privacy & Security Policy
Rala Investments Ltd. is an independent mortgage broker with offices located at 301-1200 Lynn Valley Road, North Vancouver, BC V7J 2A2. Rala is duly licensed as a mortgage broker in compliance with provincial laws. Rala provides a variety of products and services to the public, including but not limited to mortgage brokerage services. In the course of providing these products and services, Rala may collect certain personal information about its clients with their consent. “Personal Information” means information about an identifiable individual. This may include, without limitation, the individual’s name, home address, age, income, credit history or other financial information, credit card information, personal preferences and other information about his or her family. Personal Information does not include the name, title, business address or telephone number of an employee of an organization. In the course of providing mortgage broker services to customer, Rala routinely shares this information with others such as credit reporting agencies, financial institutions, and mortgage brokerage systems suppliers as well as others who are directly involved in the mortgage process.
The Ten Principles of Privacy
The following ten principles govern our actions as they relate to the use of Personal Information:
Principle 1 – Accountability
Rala is accountable for all Personal Information in its possession or custody, including Personal Information disclosed to third parties for purposes of providing services requested by you.
Principle 2 – Identifying Purposes
Rala will inform you of the purposes for which it is collecting any Personal Information, before or at the time the information is collected. Often the purpose is outlined with the body of any mortgage application or contract for services you may execute when dealing with your Rala mortgage broker.
Principle 3 – Consent
Rala will obtain your consent before or when it collects, uses or discloses your Personal Information. Consent can be express, implied, or given through an authorized representative. You may withdraw your consent at any time (subject to any legal consequences of which you will be informed). Rala, however, may collect, use or disclose Personal Information without your knowledge or consent in exceptional circumstances where such collection, use or disclosure is permitted or required by law.
Principle 4 – Limiting Collection
The information collected by Rala will be limited to those details necessary for the purposes it has identified to you or to perform the services you have requested. Information will be collected by fair and lawful means.
Principle 5 – Limiting Use, Disclosure and Retention
Personal Information will only be used or disclosed for the purpose for which it was collected unless you have otherwise consented. Personal Information may only be retained for the amount of time needed to fulfill the purpose for which it was collected. In certain exceptional circumstances, Rala may have a legal duty or right to disclose Personal Information without your knowledge or consent with respect to matters that concern the company’s or the public’s interest.
Principle 6 – Accuracy
Rala will keep Personal Information as accurate, complete and current as necessary to fulfill the identified purposes for which it was collected. You may have this information amended where it is found to be inaccurate or incomplete.
Principle 7 – Safeguarding Personal Information
Personal Information is safeguarded using measures appropriate to the sensitivity of the information and in keeping with generally accepted industry standards.
Principle 8 – Openness
Rala will make information available to its clients, employees and Rala brokers about the policies and procedures Rala uses to manage personal information. You have access to this information through our web site, or through alternate means if requested.
Principle 9 – Access
Upon written request, you will be informed of the existence, use and disclosure of your Personal Information, and will be given access to it. Rala will respond to such requests as efficiently as possible. If Rala is prohibited from providing such access, they will explain the reasons for the lack of access, except where prohibited by law.
Principle 10 – Addressing Complaints and Suggestions
Application of the Ten Privacy Principles – how we treat your personal information:
The Kind of Information We Collect
Rala gathers and uses Personal Information in order to provide you with the products and services you have requested, namely: information that is required to effectively provide mortgage brokerage services and to ensure that you are satisfied with the products and services we have provided. Rala may also use your Personal Information to update you about our services and to offer you additional products or services that you may be interested in, so that we may continue to serve your needs.
How We Use Your Information
At Rala, we use Personal Information for three general purposes:
We will only use Personal Information for the purpose that we have disclosed to you. If we want to use your information for a different purpose, we will notify you and ask for your consent first.
When We Are Permitted to Disclose Your Information
Rala is obliged to keep your Personal Information confidential except under the following circumstances:
1. When Authorized by You – Many of the services offered by Rala require us to obtain Personal Information about you in order to perform the services you have engaged us to provide. We will always obtain consent from you first, and we will never use the information for purposes other than those we have told you about. You may withdraw your consent at any time, subject to any legal implications (which we will inform you about). In some cases, if you do not consent to our use or disclosure of certain Personal Information, we may be unable to continue to provide all or part of the services you have requested.
2. When Required by Law – The type of information we are legally required to disclose usually relates to government tax reporting requirements. However in some cases, such as under a court order, we may be required to disclose certain information to persons specified in the court order. We will only provide the specific information requested and only upon being satisfied that the authorities have legitimate grounds to request the information.
With Whom We May Share Your Information
3. Sale of Business – We may transfer your personally identifiable information to a third party in connection with a sale, merger or other disposition (whether of assets, stock or otherwise) of our business.
How We Safeguard Information
Rala has extensive controls in place to maintain the security of its information and information systems. Client and independent broker files are stored according to the sensitivity of the information contained therein. Appropriate controls (such as restricted access) are placed on our computer systems and data processing procedures. Physical access to areas where Personal Information is gathered, processed or stored is limited to authorized persons. When you telephone Rala to speak about your file, you may be asked for some personally identifying information. This type of safeguard is designed to ensure that only you, or someone authorized by you, has access to your file.
Web Site Security
In order to serve you better, Rala offers clients access to certain information through its web site www.ralainvestments.com.
The Rala web site contains links to other web sites, including those of its licensees and business partners. Rala is in no way responsible and cannot guarantee the content or privacy of other sites linked to www.ralainvestments.com.
Accessing & Amending Your Information
As a Rala client, you have the right to access the Personal Information we keep in your file and you have the right to verify or amend the information if it is shown to be inaccurate. If you would like to view the Personal Information held in your file, please make a written request to the Privacy Officer at the address listed below. Rala will respond to your request as efficiently as possible. To make a change, please make a similar request in writing to the Privacy Officer.
In order to provide you with our services and products, Rala will, with your consent, contact you to provide you with information on our products and services and may share your Personal Iinformation with other Rala affiliates. Should you not want to receive promotional materials from or have your Personal Information shared with these companies please contact the Privacy Officer at the address, phone number or email address provided at the end of this document.
Anonymous Information & “Cookies”
Rala may collect anonymous information about you. This means that the information collected cannot be traced back to a specific person. For example, our web servers may record certain information automatically when you visit the Rala web site. This information is collected using “cookies” and might include the pages you visited, your IP (Internet Protocol) address and other site usage statistics. This anonymous information is used for research and analytical purposes only (like evaluating how many visitors our web sites receive or which pages they visit most often). It does not reveal any Personal Information about you, the user. This aggregate data may be disclosed to third parties, but never with personally identifying information.
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Questions, Concerns & Complaints
Rala Investments Ltd
1200 Lynn Valley Road Suite #301
North Vancouver, BC, V7J 2A2
Monday – Friday: 9:00 AM - 5:00 PM
North Vancouver mortgage broker proudly providing a variety of mortgages, loans, and other financial assistance to the following areas in the Lower Mainland:
North Vancouver | West Vancouver | Vancouver | Burnaby | Langley | Coquitlam | Delta | Surrey | Richmond | New Westminster | Port Moody | Maple Ridge | Abbotsford | Cloverdale