We at Kal-Mor Mortgages & Investments Ltd. (Kal-Mor) respect the privacy of our customers and are committed to protecting your privacy while visiting our web-site. Please, take a moment to read over our privacy policy so that you can better understand what type of information we collect and how we use this information to process requests. In order to serve our customers, it is a must that we make use of modern technology and customer information.

Your Expectation of Privacy

Kal-Mor knows that you count on us to provide preventive measures to protect customer information. We have implemented Policies and Procedures to prevent improper usage of confidential customer information.

Information that Kal-Mor retains and collects is used for the purpose of administering financial services and to provide the customer with additional products or services. Employee access to customer information is limited to authorized Kal-Mor employees whom know the sensitivity of customer information. Employees are educated on the importance of confidentiality and customer privacy. Failure to do so will result in disciplinary action or termination in appropriate cases.

Collection of Personally Identifiable Information and How We Use It

Personally identifiable information includes, but is not limited to, first and last name, physical address, postal code, email address, business and home phone numbers, social security number, date of birth, income and other financial information that may identify you as a specific individual.

We safeguard the information you provide to us. Below are ways in which we use and protect information received on our Website:

Applications: When you apply online for products and services, you provide personal information that is necessary for us to process your application. The transmission of this information from you to us or from us to you is secured via SSL Technology (Secure Socket Layer). This technology encrypts (or scrambles) your personal information during transmission so it's virtually impossible for anyone other than Kal-Mor Mortgages to read it. You know you are in a secured area when your Internet Browser shows a closed padlock symbol (Internet Explorer) or an unbroken key on the lower left corner and a solid blue line at the top (Netscape browser).

Email: We retain the content of your email, your email address, and our response so that we can efficiently reply to your concerns, process your loan application and in order to comply with federal and provincial record retention requirements. If we think a particular Kal-Mor product or service, or a product or service offered by one of our affiliates, might appeal to you, we may occasionally contact you at your email address to inform you of its availability. If you prefer not to receive promotional emails, please contact us either by email or at the toll free telephone number listed under the Contact Us link.

Collection of General Information and How We Use It

Some areas of our website require information, such as your email address, to access the status of your application or to perform certain tasks. In these circumstances, we collect your information for the purpose of being able to interact or reply to you. If you are merely browsing our website anonymously then personal information, such as your email address, is not collected.

When and How Your Information is Shared

Upon submitting a loan application, the information you provided is stored in our databases, off of the Internet, and processed by Kal-Mor employees. Kal-Mor employees may also disclose portions of your information to our authorized agents to obtain the following services on your behalf: