Marathon Privacy Policy

Marathon Mortgage Corp. collects personal information for the purpose of making credit decisions about potential customers, to confirm identity and to prevent fraud and money laundering. To fulfill these purposes, Marathon Mortgage Corp. may, on occasion, request information about individuals from the files of consumer reporting agencies. Once an individual becomes a customer of Marathon Mortgage Corp., the customer’s credit experience may be shared, on an ongoing basis, with other lenders and credit reporting agencies. This sharing of information is necessary to support the credit process. Personal information is used to manage risk, verify identity, make credit decisions for financing or renewal purposes, collect debts that may be owed to us, administer our files after closing and to communicate with the customer. Personal information is also used to satisfy information requests from regulators, organizations or individuals who are legally entitled to make such requests. Marathon Mortgage Corp. may collect personal information from its customers directly or from others in order to verify identity, understand customer needs, determine suitability or eligibility of products and services, comply with applicable laws, collect on outstanding debt or administer a file. Marathon Mortgage Corp. collects information only by fair and lawful means. Wherever possible, personal information is collected directly from the individual however, personal information may also be obtained from other sources including, but not limited to, credit bureau agencies, real estate appraisers, mortgage brokers and other financial institutions

Personal information is any information that identifies an individual, or by which an individual’s identity could be deduced. This includes, but is not limited to: residence address, age, gender, personal financial records, social insurance number, personal health information, personal references and employment records.

Generally, the individual will be asked to provide written consent if Marathon Mortgage Corp. collects, uses, or discloses personal information but in some circumstances, Marathon Mortgage Corp. may accept verbal consent or determine that consent is implied through the individual’s conduct. Marathon Mortgage Corp. may collect or disclose personal information without knowledge or consent in certain circumstances including, but not limited to, when we are required or authorized by law to do so; in the case of an investigation when a breach of agreement or contravention of law is suspected; in order to help detect, prevent or deter fraud, money laundering, terrorist or other criminal activity; where it is necessary to establish or collect amounts owed to us; if we engage a third party to provide administrative services and the third party is bound by our Privacy Policy; if the information is already publicly known; or if we sell, pledge or assign a mortgage or loan, or securitize it, sell parts of our business, or merge or amalgamate with other entities we may release the information we hold to the prospective purchaser or assignee as part of due diligence and on completion of the transaction, subject to confidentiality restrictions.

Marathon Mortgage Corp. will retain personal information for as long as it believes necessary to fulfil the purpose for which it was collected and to fulfil legal or business retention requirements.

Since Marathon Mortgage Corp. uses personal information to provide services, it is important that the information be accurate and up-to-date. If any information changes, Marathon Mortgage Corp. should be informed by the customer so that it can make any necessary changes.

A customer may ask for access to any of their own personal information. Summary information is available on request but more detailed requests, which may require archive or other retrieval costs, may be subject to a reasonable administration fee. Marathon Mortgage Corp. may deny access to personal information in some circumstances including, but not limited to: when denial of access is required or authorized by law; when granting access would have an unreasonable impact on other people's privacy; when it is subject to solicitor- client privilege; when it has already been destroyed due to legal requirements or as provided for in this Privacy Policy; or to protect Marathon Mortgage Corp. rights and property. If Marathon Mortgage Corp. has information about a customer that the customer establishes is not accurate, complete and/or up-to-date, Marathon Mortgage Corp. will take reasonable steps to correct it.

Marathon Mortgage Corp. endeavours to maintain adequate physical, procedural and technical security with respect to its offices and information storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of personal information.

Marathon Mortgage Corp. endeavours to maintain adequate physical, procedural and technical security with respect to its offices and information storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of personal information. Use of Cookies At Marathon Mortgage, we use cookies on this website. The use of technology helps us offer our website visitors a convenient, secure service. This includes the use of “cookies". Cookies are tiny text files that your browser stores on your computer when you visit certain websites. When viewing a website that has issued a cookie, your browser sends the data stored in that cookie back to that particular website's server. By using this site, you are expressly giving permission to use 'cookies' and to use the data gathered. You also give permission to collect, archive, retrieve, and use any information collected for product design, product offers to you, and general commercial solicitation purposes by this site or joint venture partners, affiliates, and marketing organizations. For many websites, you will have the option to NOT use cookies, but that may interfere with the full website viewing process/access.

Our website is governed by the laws of Canada. It is designed for viewing and interactions by residents of Canada – and referencing our particular mortgage/finance laws. We do not claim that this website is governed by or operated in accordance with the laws of any other country.

Any questions, concerns or complaints regarding privacy, or any requests for access to view or amend personal information, may be directed to: Albert Collu President & CEO acollu@marathonmortgage.ca A full name, address and telephone number should be attached to all inquiries. It should be noted that email is not a 100% secure medium and is generally unencrypted, and customers using this method of delivery should be aware of this when contacting us to send personal or confidential information.

Marathon Mortgage Corp. retains the right to amend this Privacy Policy from time to time.

The material on this web site is provided "as is". MARATHON MORTGAGE makes no warranties or representations, either express or implied, with respect to the accuracy or completeness of the contents of the website. Information may be changed and/or updated without notice, and may contain technical inaccuracies or typographical errors. MARATHON MORTGAGE will not be liable for damages of any kind arising out of, or in connection with, the use of this website. All communications, emails, feedback, messages and other materials transmitted to this site will be treated as non-confidential and non-proprietary. Internet Email: The internet is not yet a fully secure medium, and therefore confidentiality and privacy cannot be ensured. MARATHON MORTGAGE will not be liable for any damages resulting from the transmission of confidential or personal information. USE OF THIS WEB SITE SIGNIFIES YOUR AGREEMENT TO THESE TERMS OF USE.

MARATHON MORTGAGE website is provided "as is" and "with all faults" and the entire risk as to the quality and performance of the MARATHON MORTGAGE websites is with you. Should the materials or services prove defective, you, and not MARATHON MORTGAGE, assume the entire cost of all necessary servicing and repair. MARATHON MORTGAGE expressly disclaims all warranties of any kind, whether express, implied, or statutory, with respect to the MARATHON MORTGAGE websites (including, but not limited to, any implied or statutory warranties of merchantability, fitness for a particular use or purpose, and non-infringement of intellectual property rights). Without limiting the generality of the foregoing, MARATHON MORTGAGE makes no warranty that the MARATHON MORTGAGE websites will meet your requirements or that the MARATHON MORTGAGE websites will be uninterrupted, timely, secure, or error free or that defects in the MARATHON MORTGAGE websites will be corrected. MARATHON MORTGAGE makes no warranty as to the results that may be obtained from the use of the MARATHON MORTGAGE websites or as to the accuracy or reliability of any information obtained through the MARATHON MORTGAGE websites. No advice or information, whether oral or written, obtained by you through the MARATHON MORTGAGE websites or from MARATHON MORTGAGE, its parent, subsidiaries, or other affiliated companies, or its or their suppliers (or the respective officers, directors, employees, or agents of any such entities) (collectively, "the MARATHON MORTGAGE parties") shall create any warranty. MARATHON MORTGAGE disclaims all equitable indemnities.

We may change this Privacy Policy from time to time by posting the updated version of the Privacy Policy. We will give you reasonable notice of any material change. We encourage you to visit frequently to stay informed about how we use your personal information.