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1.
Privacy Statement
As a member of the Manitoba Association of the Appraisal
Institute of Canada (the “AIC”), Thorvaldson
Appraisal Ltd. is committed to respecting the
confidentiality and privacy of personal information
provided to us by our employees and by our clients.
We have adopted the ten privacy principles set out
in the Canadian Standards Association Model Code for
the Protection of Personal Information and embodied
in the Personal Information Protection and Electronic
Documents Act (“PIPEDA”). We observe our
obligations under PIPEDA, under provincial legislation
in effect in Quebec, British Columbia and Alberta
to the extent applicable, and under such other applicable
provincial privacy laws, which are substantially similar
to PIPEDA as may come into force from time to time.
We will collect, use and disclose personal information
only for such purposes and to such extent as is necessary
to enable us to provide our services as professional
real estate appraisers and to fulfill our roles as
active members of the AIC.
2. Definition of Personal Information
Personal information is information about an identifiable
individual but does not include the name, title or
business address or telephone number of an employee
of a business. Personal information includes personally
identifiable information such as a person’s
home address and residential contact information,
age, gender, income, credit rating, financial information,
consumer preferences, health status and political
affiliations.
3. Purposes of Use of Personal Information
We collect personal information for the sole purpose
of enabling us to perform independent real estate
appraisals for our clients. In the course of performing
these services, We will require the name, address
(including both business and home addresses on occasion),
business, cell, fax and home telephone numbers and
email addresses of identifiable individuals. We may
also require in certain circumstances information
relating to the purchase price paid for real property,
the details of any real estate transaction relating
to a subject property, details of any lease transaction
and documentation relating to a subject property,
financial information relating to repairs or renovations
on a subject property, individual credit history,
income and other sensitive financial personal information
of identifiable individuals.
4. Manner of Collection, Use and Disclosure
of Personal Information
As noted above, we will only collect, use and disclose
personal information for the purposes of providing
services to our clients, and for purposes ancillary
thereto, such as billing and collection of accounts
in respect of which credit has been extended. We will
collect personal information in personal interviews,
from letters of instruction, from order forms, from
financial institutions and from other business contacts
or real estate agents. By providing us with such information,
individuals are deemed to consent to its use for the
purposes set out herein. When we require sensitive
financial personal information, or other information
of a particularly sensitive nature, we will seek to
confirm that consent was given for the disclosure
of such information prior to collecting, using or
disclosing such information.
We will not use personal information for any other
or secondary purpose. Specifically, we will not provide
personal information, either by way of sale or other
disclosure, to any marketing agency, mail house, data
processing agency or any other promotional entity
or third party without express written consent. We
will not collect information which we do not require
in the course of providing our services.
5. Retention and Disposal of Personal Information
We will not retain personal information longer than
is necessary for the purposes of serving our clients
hereunder and as otherwise required by legislation.
Specifically, certain appraisals are made for mortgage
lending purposes and for tax valuation purposes and
accordingly, we retain such information and personal
information forming the basis of such information
for periods equal to the reassessment limitations
periods imposed by tax legislation, to comply with
our insurance requirements, and as otherwise required
to comply with applicable laws. In general, we will
retain client files and personal information therein
for a period of 7 years, after which time we will
no longer need to retain such information. When we
no longer have any use for the personal information,
we dispose of it by having it shredded or destroyed
in the case of physical files and documents, and by
erasing the files from our hard drive or other storage
medium in the case of electronic data files.
6. Protection and Security of Personal Information
We have implemented policies and procedures to ensure
that personal information is protected from unauthorized
access, use, tampering, loss or disclosure. Firstly,
only those who will be involved in the provision of
the services will have access to personal information.
Secondly, all personal information which is retained
on our computers will be stored in secure folders
and will not be available for general access in our
organization. All computer and information systems
with internet access will be equipped with firewalls,
antiviral software and power source back up to ensure
the security and integrity of your personal information.
In the event that we require the services of third
parties and need to provide personal information to
such third party for the purposes of providing our
services, we will first confirm that consent has been
provided to so disclose the information. Upon confirming
the relevant individual’s consent, we will not
provide such information until we receive reasonable
assurances from any such third party that they have
in place a privacy policy which is substantially similar
to this policy.
7. Review of Accuracy of Personal Information
on File
If an individual has a concern with the accuracy
or contents of their personal information which we
have on file, such individual may contact our privacy
officer to request particulars of his or her personal
information. Any such request must be made in writing
and addressed to the privacy officer at the address
set out below. The privacy officer shall review such
request and endeavour to respond within 30 days. The
privacy officer may refuse to provide this information
to the individual if so providing it would result
in disclosure of personal information about a third
party who has not consented to such disclosure. The
privacy officer may also refuse to provide such information
where such information: is protected by solicitor-client
privilege; cannot be separated from confidential commercial
information; the disclosure of which would result
in the breach of an agreement or of a law of Canada
or one of its provinces. The privacy officer may request
that the individual provide documentation or evidence
to support the challenge to the accuracy of the personal
information on file. The privacy officer reserves
the right to review such documents and evidence and
shall upon being convinced of error or inaccuracy,
amend the individual’s personal information
accordingly.
8. Privacy Officer
In order to review personal information, to express
any concern relating to privacy or review our compliance
with this privacy policy or any relevant federal or
provincial privacy legislation, an individual may
contact us by mail, email or telephone at the contact
information set out below:
Thorvaldson Appraisal Ltd.
Mr. Darrell Thorvaldson
Privacy Officer
23 Harmsworth Drive
Winnipeg, MB
R2V 1P2
1-866-359-2707
info@thorvaldson.ca
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