Privacy Policy

Protecting Your Privacy: How Silver Fund Safeguards Your Personal Information

At Silver Fund Mortgage Investment Corporation and its affiliates (referred to as “we” or “us”), we understand the importance of protecting your privacy and ensuring the confidentiality of your personal information. This Privacy Policy outlines how we collect, manage, and protect the personal information of our mortgagors and investors while adhering to privacy principles and regulations.

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Our Privacy Commitment

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Our Privacy Code is integrated into this policy and outlines our adherence to principles of personal information management. We are committed to safeguarding individual privacy through responsible information handling practices.

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Consent

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In accordance with our Privacy Code, we will obtain your consent before collecting personal information. Consent may be provided in writing, verbally, or implied through your conduct, depending on the context.

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Updating Your Information

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To ensure accurate service delivery, it’s important that your personal information remains up-to-date. Please notify us if any of your information changes. We may require you to verify your identity before making updates.

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Retention of Information

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We retain personal information only for as long as necessary to fulfill the purpose for which it was collected or to comply with legal and business retention requirements. Once personal information is no longer needed, we securely destroy or anonymize it.

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Protecting Your Personal Information

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We employ strict physical, procedural, and technical security measures to protect personal information from loss, unauthorized access, or misuse. Only authorized personnel, brokers, agents, and service providers have access to your information, and they are bound by confidentiality agreements

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Amendments to the Privacy Policy

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We reserve the right to amend this Privacy Policy from time to time. We encourage you to review our policy periodically to stay informed about any changes. Continued use of our services or provision of personal information indicates your acceptance of any updates.

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How We Collect, Use, and Share Your Personal Information

Learn how Silver Fund handles your personal information, from collection and usage to sharing, and how you can access or update your data.

We collect personal information from various sources, including your interactions with us, credit collection sources, social media, and employer inquiries. This information helps us make credit decisions, confirm identities, prevent fraud, and comply with regulatory requirements. The personal information we collect may include:

  • Identifying details (name, address, occupation, date of birth)
  • Financial information (income, assets, liabilities, credit history)
  • Business dealings and transaction history
  • Payment and account activity records
  • Browsing activity and device information
  • Nationality (for regulatory compliance)
  • Information related to beneficial owners or intermediaries
  • Personal health information (for insurance-related products)
  • Any additional information required to provide services

We may also monitor or record communications between you and our representatives (e.g., phone calls or emails) for quality assurance and record-keeping purposes.

We use your personal information for several purposes, including:

Collecting debts and enforcing obligations

Verifying your identity (including checking against watch lists)

Assessing your creditworthiness and processing applications

Providing and administering products and services

Communicating with you and responding to inquiries

Understanding your product and service preferences

Marketing our services directly or through affiliates

Managing risks, operations, and relationships

Protecting against fraud and maintaining data integrity

Complying with legal and regulatory requirements

We may share your personal information under certain conditions, such as:

With your consent, or if the information is already publicly available

Engaging third-party service providers (some of which may operate outside of Canada)

Processing payments and verifying information with financial institutions

Complying with legal requests, such as court orders or regulatory inquiries

Sharing information with collection agencies or brokers to enforce obligations

Preventing, detecting, or suppressing fraud or criminal activity

Conducting due diligence in case of a business transaction (e.g., mergers, assignments)

You have the right to request access to or corrections of your personal information. Requests can be submitted in writing to Silver Fund’s senior management. We will respond within 30 days, subject to legal and contractual limitations. More complex requests may incur reasonable administrative fees.

In some cases, access to personal information may be denied, such as when:

  • Access is prohibited by law
  • Access may impact another person’s privacy
  • The information is protected by legal privilege
  • The information has been destroyed according to legal requirements

If access is denied, we will provide the reasons for the decision.