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No matter whether you’re buying your first home, moving up or down the property ladder, buying more investment properties or refinancing your mortgage, Bay Street Loans will go above and beyond for you. They will assess your documentation, understand your short-or long-term plans and utilize their network of 60+ lenders to secure the best mortgage rates and terms. Contact us today for your free mortgage consultation.
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Bay Street Loans made my home buying experience very smooth, they are easy to reach and always responsive to my calls/emails, even late at night. It was a very different experience from other lenders/banks, I would highly recommend connecting with them if you’re shopping for a mortgage
I would like to thank Bay Street Loans for their hard work in getting my first mortgage with them. I was being denied from other banks and brokers and I found Bay Street Loans to have very good knowledge about which mortgage product would suit me. They made the whole process very simple.
Bay Street Loans are amazing. They helped me overcome many obstacles. So very glad they were there for me to reach my goal to finally have my dream home. Highly recommend!
Fantastic experience. I had a complicated situation with two properties and already what I thought were good rates. Bay Street Loans figured it out and saved me a tonne of money. I will always use Bay Street Loans for every mortgage renewal or home buy again. Thank you for everything.
Same Great Mortgages. Simply At Better Rates.
Bay Street Loans helps customers find the most suitable mortgage, loan or credit facility, and/or other related products and services like insurance that we may offer. Bay Street Loans is a member of a group which includes Multi-Prêts, Mortgage Intelligence Inc., Invis Inc. and other affiliated entities (hereinafter, the “M3 Mortgage Group”).
At Bay Street Loans, we know that the protection of your privacy is important to you. For this reason, we have taken steps to ensure that any personal information that you provide to Bay Street Loans is protected by a range of robust business procedures and rigorous security safeguards to ensure that your information is kept confidential and used only for the purposes detailed in this Privacy Policy. This Privacy Policy is intended to establish responsible and transparent practices for the management of personal information and to satisfy the requirements of rules established by the Personal Information Protection and Electronic Documents Act (PIPEDA), and similar provincial laws from Quebec, Alberta and B.C.
This Privacy Policy generally applies to any personal information (as defined below in the section entitled Definition of Personal Information) collected or generated by Bay Street Loans, its brokers or anyone acting as an agent on our behalf (“Authorized Agent”), from or about its customers and other individuals which whom it deals, which may include potential customers as well as any other additional person named on an account, in any form. At any time that you do business with Bay Street Loans, participate in a contest or promotion run by Bay Street Loans, a Bay Street Loans broker or with an Authorized Agent, or interact with us in any manner, you are protected by the rights and safeguards contained in this Privacy Policy and you explicitly agree to its terms.
This Privacy Policy also governs personal information collected about Bay Street Loans’ website users and explains how we use and disclose personal information that we collect from users who visit our website and otherwise interact with us through netfirst.ca/baystreetloans (“website”). It also explains how we use cookies and similar technologies.
When used in this Privacy Policy, personal information means “any information about an identifiable individual”. This may include, for example, your name, contact information, email address, information relating to your account with us, including your identity and the mortgage you take out, as well as your credit and banking information, billing records and any complaints documented in a file. It may also include other types of more technical information when you interact with us through our website, when this information can identify you as an individual. Personal information that is aggregated and cannot be associated with an identifiable individual is not considered to be personal information.
We collect most of our information about you directly from you, with your consent.
We usually collect your name, address, phone number(s), email address, occupation, employer’s name, birth date, annual income, net worth, assets, liabilities, credit history, investment objectives, banking information, as well as other account and payment information, including information pertaining to your use of our products and services when you register to Bay Street Loans services. We may also collect other information such as your social insurance number, driver’s license or passport number, when required and/or authorized by law, for instance to fulfill regulatory and other governmental obligations and to distinguish you from other clients with similar names.
We may also obtain information about you from third parties, with your consent. For example, for credit evaluation purposes, we may need to determine your creditworthiness through contact with an independent credit reporting agency or another source, which may include account information. Bay Street Loans uses this information to help determine the product or service that is suitable to your mortgage needs. We may also collect personal information from other third parties, such as your spouse, if you are applying for certain products and services, and information about beneficial owners, intermediaries and other parties. Bay Street Loans generally collects personal information from or about its customers and other individuals with whom it deals for the following purposes:
If you have applied for employment with Bay Street Loans, the personal information submitted with your job application will be used for recruitment and other customary human resources purposes. For example, we may send you information about new job opportunities within Bay Street Loans as well as other career development resources.
Unless required or authorized by law, Bay Street Loans will not collect or use personal information for any other or new purpose without obtaining further consent. For details on the type of information that we collect via our website and on how we use and share this information, please refer to the Website section of this Privacy Policy.
Bay Street Loans offers you the opportunity to use simulators. These simulators are designed to collect information about you or your financial situation. The details are then used to establish your type of profile with a view to helping you choose the most suitable product for your particular needs.
Bay Street Loans obtains consent from the individuals concerned for the collection, use or disclosure of personal information through various means. The most common method we use to obtain a customer’s consent is by way of the customer’s consent as confirmed by consent forms. Where practicable, we may also obtain a customer’s consent through electronic communications or other written documentation.
In general, by requesting Bay Street Loans products and services and/or submitting information to us in connection with using Bay Street Loans products and services, you are providing your consent to the collection, use and disclosure of personal information as set out in this Privacy Policy and in the Bay Street Loans contractual documents. Moreover, by visiting, interacting with and/or using our websites, you agree to benefit from, be bound by, the terms and conditions of this Privacy Policy.
In certain circumstances, personal information may be collected, used or disclosed without consent. These exceptional circumstances may include:
For more information on how Bay Street Loans may share your personal information, please refer to section Sharing of Personal Information of this Privacy Policy.
Consent may be withdrawn at any time, subject to legal or contractual restrictions and reasonable notice. Depending on the circumstances, however, any withdrawal or amendment to your consent may prevent us from providing you, or continuing to provide you, with Bay Street Loans products and services or information that may be of value to you. You may also withdraw your consent as follows:
For information on how you can limit the type of information that we collect, use or share about you when you visit and/or use our website, please refer to the Website section of this Privacy Policy.
Your information may be made available by Bay Street Loans within the M3 Mortgage Group and to Authorized Agents or service providers to fulfill the purposes for which it has been collected or as set forth in this Privacy Policy. Bay Street Loans will not sell, rent or trade your personal information to any third party. However, we may share your personal information when authorized by law or as follows:
For information on how you can limit the type of information that we collect, use or share about you when you visit and/or use our website, please refer to the Website section of this Privacy Policy.
We may share aggregated customers and/or website users’ information with our partners or entities within the M3 Mortgage Group. This information does not allow identifying individual customers nor users, and is only used to provide our partners a better understanding of the general profile of customers of our products and/or services and users of our website, trends in the industry, or similar type of information. We do not link aggregate user data with personal information.
Bay Street Loans generally collects and uses personal information from or about its website visitors and users as follows:
Information you provide. In many cases, we collect personal information directly from you when you visit or use our website. For instance, we may collect the following type of information:
Technical information. When you visit our website, we may collect, using electronic means such as cookies, technical information. This information may include information about your visit to our website, including the IP address of your computer and which browser you used to view our website, your operating system, resolution of screen, location, language settings in browsers, the site you came from, keywords searched (if arriving from a search engine), the number of page views, information you entered, advertisements you have seen, etc. This data is used to determine the user’s approximate geographic location, to measure and improve the effectiveness of our website or enhance the experience for our customers. For instance, it may be used to ensure that the products advertised on our website are available in your area or that we are not showing you the same ads repeatedly. We treat this information as personal information when it is associated with your account or contact information. For instance, we may collect and use the following type of information when you visit and/or interact with us on our websites:
Your Choice with Cookies. You can block the use of cookies by activating the settings in your browser, except for some of the cookies used for third-party advertising, as detailed above under the section Third Party Advertising. The “Help” feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. If you choose to withhold consent, or subsequently block cookies, you may not be able to access all or part of the content of our website. Additionally, you can disable or delete similar data used by browser add-ons, by changing the add-on’s settings or visiting the website of its manufacturer.
Privacy Policies of Third Parties. This Privacy Policy only addresses the use and disclosure of information by Bay Street Loans. Other websites that may be accessible through Bay Street Loans websites have their own privacy policies and data collection, use and disclosure practices. We encourage you to familiarize yourself with the privacy statements provided by all third parties prior to providing them with information or taking advantage of an offer or promotion.
In the event that you download and/or use any of our applications, we may require and collect, directly from you, information necessary to authenticate you. We may also record your IP geolocation, allowing us to block the access when the user is outside of Canada. When you register on certain apps, you may be required to agree that we may send you notifications regarding your property evaluation, credit score, or general information by electronic messaging on a periodic basis. If you no longer want to receive any notifications, you can unsubscribe at any time.
Bay Street Loans strives to ensure that customers’ personal information is as accurate, complete, and up-to-date as is necessary for the purposes for which it is used. Bay Street Loans provides customer access to their personal information. Customers may correct or amend any inaccuracies in their personal information by contacting us using the contract information detailed in the section How to Contact Us of this Privacy Policy. Bay Street Loans has the right to refuse a request for access to personal information if the information is protected by legal privilege, granting access would reveal confidential commercial information, the information was collected for purposes related to the detection and prevention of fraud, the information was generated in the course of a formal dispute resolution process, the information would likely reveal personal information about another individual, the request is vexation or frivolous or any other reason, as authorized under applicable laws.
In some cases, personal information that we manage may be transferred, processed and stored outside Canada, and therefore may be available to government authorities under lawful orders and laws applicable there.
We will use reasonable security measures to protect your personal information against unauthorized access. Bay Street Loans has implemented security measures that contain administrative, technical and physical controls that are designed to safeguard your personal information. No method of transmission over the internet, or method of electronic storage, is 100% secure, however.
Personal information will be retained only as long as necessary for the fulfilment of the purposes for which it was collected and for which consent was received or to satisfy legal requirements.
If you have questions, concerns or complaints regarding this Privacy Policy or the personal information that Bay Street Loans has about you, or to withdraw consent (when applicable) please contact:
Bay Street Loans 3180 Ridgeway Dr Unit 36, Mississauga, ON L5L 5S7
By phone: 647-846-8082
By e-mail: support@baystreetloans.com
Bay Street Loans will review and update its policies and procedures as required to keep current with rules and regulations, new technologies, standards and customer concerns. Our Privacy Policy may therefore change from time to time. We will post any privacy policy changes on our website and, if the changes are material, we will provide a more prominent notice. This Privacy Policy was last updated on June 2017.
Please note that both the English and French versions of our Privacy Policy have equal legal value.
Bay Street Loans
MORTGAGE AGENT
Lic: M18002410
3180 Ridgeway Dr Unit 36, Mississauga, ON L5L 5S7
Office: 647-846-8082
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