Register or Login to Tailor Your Experience
1. The Privacy Code of the Canadian Real Estate Association
This office is a member of The Canadian Real Estate Association (CREA) and adheres to and abides by the principles set out in the CREA Privacy Code. All employees and sales representatives associated with this office must sign an acknowledgement that they will comply with the requirements of the code.
2. The Policy Statement
This office only collects personal information necessary to effectively market and sell the property of sellers, to locate, assess and qualify properties for buyersand to otherwise provide professional and competent real estate services to clients and customers.
3. The Person in Charge
The Branch Manager is the privacy compliance officer responsible for privacy compliance in this office. His/her name shall be made available to consumers. The responsibilities of the privacy compliance officer shall include:
(a) establish and update information protection policies;
(b) ensure policies are implemented by other organizations to which data-processing functions are outsourced;
(c) establish criteria for classification of information;
(d) evaluate the accessibility of sensitive information and take corrective action where necessary;
(e) provide education to employees on the importance of information protection;
(f) attempt to resolve consumer privacy complaints to the satisfaction of the consumer.
4. The Collection, Use and Disclosure of Personal Information
(a) Only the information necessary to facilitate the real estate transaction orotherwise provide professional and competent service to clients and customerswill be collected;
(b) No personal information shall be collected from an individual without first obtaining the consent of the individual to the collection, use and dissemination of that information;
(c) Express consent (whether oral or written) must alway be obtained except in the following situation. Consent may be implied where the information is not sensitive and where it can be reasonably assumed that the individual would expect the information to be disclosed in this fashion;
(d) Once information is collected, it will be used and disclosed only for the purposes disclosed to the individual;
(e) All representation agreements must include the approved privacy clauses.
5. Disclosure for New Purposes
(a) Anyone using personal information for some new purpose that extends beyond the consent already provided must obtain express consent of the person for that use;
(b) Requests for information by law enforcement officials, lawyers, private investigators or other agents or subpoenas for documents issued by the court must be referred to the (privacy officer/office manager or broker/agent as appropriate)
6. Protecting Information
Information must be protected in a manner commensurate with its sensitivity, value and criticality. This policy applies regardless of the media on which information is stored, the locations where the information is stored, the systems used to process the information, or the processes by which information ishandled.
(a) Collection and Disclosure
Meetings with customers and clients on Bowes & Cocks Limited premises must take place in a place and manner to ensure confidentiality;
Mail and faxes must be routed directly to the intended recipient;
Information should be available to other persons in the office only on a need to know basis;
Filing cabinets designated by the office manager to contain personal, including sensitive information are to be kept secured at all times;
All personnel have computer passwords. These passwords are confidential and are not to be shared with any unauthorized persons;
This office has in place a record retention and destruction policy.
7. Accuracy of Personal Information
To ensure the quality of the information collected:
(a) insofar as possible, personal information should be collected directly from the consumer;
(b) public property information (taxes, assessment data etc.) should be verified;
(c) disclaimers of accuracy in the form approved by the office should always be attached to any disclosure of information.
8. Access to Personal Information(a) Copies of any privacy brochure approved by this office should always be available to the public in the reception area of the office;
(b) The individual set out in section 3as being responsible for the privacy compliance is the person responsible for responding to access request and all such requests will be referred to him or her. All staff and salespersons will co-operate fully with the privacy compliance officer in responding to requests;
(c) On written request and appropriate identification satisfactory to the organization, an individual will be advised of personal information about him / her retained in the firm’s records;
(d) Where information cannot be disclosed (for example the information contains reference to other individuals or is subject to solicitor-client privilege) the individual will be given reasons for non-disclosure;
(e) An individual may have appended to a record, any alternative information where the office is of the view that the appended information is, in fact, correct;
(f) A minimal administrative fee may be charged to supply the information.
(a) Any complaints from an individual concerning the collection, use or disclosure of their personal information or concerning the individual’s ability to access their personal information must be referred to the privacy compliance officer, who will attempt to resolve the complaint to the individuals satisfaction;
(b) In the event the complaint cannot be resolved internally to the individual’s satisfaction he or she will be advised of there to direct the complaint.
As the experts we have compiled a list of articles to help you in preparing to buy, searching for, and moving into your dream home. If you have specific questions or want to talk to a professional please do not hesitate to fill out the form below and we will be sure to help you with all your real estate needs and questions.
Buying a home often presents some rather unique challenges. Contact a Bowes & Cocks Limited, Brokerage representative and we will make the process as stress-free as possible.
Buying your first home is a memory you will keep forever, make it a good one, contact us and we will help you take this big step.
Ditching the land lord and taking the leap into the realm of home ownership? This article will help you prepare for buying your first home.
Thinking of a better home for you and your family? Families grow quick and before you know it you have a bunch of little children running around. If you're rapidly running out of space, or if you're planning on having a family, then upsizing to a larger home could be your best bet.
I want to buy a home, where do I start? This article will give you all the information you need to start your home buying process.
The amount of time, effort and energy spent into selling or buying a home can be extensive and if you do it by yourself, and not with the assistance of a REALTOR® or agent, you may run into the risk of losing money and getting a less-than-favourable deal.
Many factors come into play in the initial offer. Some say always offer 10% less. Unfortunately, this route could end you up in second place on that competitively priced "perfect" home for your needs, and, second place is no fun. Too low of an initial offer could insult the Seller. Read more on what to offer for your dream house!
It's important to hire a knowledgeable, independent home inspector for advice on the overall condition of the property. Many companies specialize in only one area of inspection, and others will group several together and offer a package price.
We are a full service real estate company offering Residential, Commercial, Farm and Small business to suit a diverse client base. We offer professional Relocation and Consultation services too.
When buying a home, one word you will hear often is insurance. Insurance is the type of service you buy hoping that you will never have to use it. The right insurance can give you a sense of security in knowing that you are adequately protected.
Generally, there are two forms of title insurance. Lender's title insurance, required by most lending institutions, is normally written in the amount of the mortgage and protects the lending institution from losses resulting from title defects.
Relocating can be hard on anyone involved, for helpful information or tips on how to relocate easier visit this page and we will be happy to help you.
Are you looking to move to our local area and need more information? Visit this page to access information, links, and property searches for Our Local Area.
Whether you choose to hire outside professionals or you choose to do it yourself, being prepared will ultimately make the move much smoother.
Most people can agree that moving from one home to another can be troublesome. Read how to make it easier.
Moving by yourself and not with the assistance of a moving company can be a practical option.
There's always the risk of finding a less-reputable mover who can end up costing you more money and time than you wanted.
With your care, guidance and positivity, the process of moving with your children will be enjoyable for them.
Need help getting the right mortgage for your home? Contact us and we will help you to find the lender you are looking for.
Our calculator will help you calculate these costs, so you know how much you'll need to save.
Get Pre-Approved; Most mortgage lenders take the guess work out of applying for a loan by figuring out for you the amount you can afford to borrow.
There are various aspects of a mortgage loan that you have to be aware of so you fully understand the type of loan that you are receiving. In addition, be certain that you know your credit records, income, debts and assets.
When buying a home, it is helpful to determine the type of home you'll like and how much you can afford before beginning your search.
When receiving and maintaining your mortgage loan, extra attention and care must be taken to ensure you're not a victim of predatory lending.
If you have specific questions or you are ready to talk to a professional please do not hesitate to fill out the form below.
Thank you for taking the time to complete this questionnaire.We will be in touch with you.