Welcome to Lighthouse Lending! Your privacy is important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you use our website, mobile services, and any related campaigns or features.
Information We Collect
We may collect the following types of information:
Personal Information
- Name
- Phone number (for SMS campaigns)
- Email address
- Any information provided during SMS campaign opt-ins, surveys, or account creation.
Non-Personal Information
- Device type
- IP address
- Message interaction data (e.g., open rates, link clicks).
Use of Information for SMS Campaigns
For SMS and messaging campaigns, we collect and use your information to:
- Send transactional messages (e.g., confirmations, updates).
- Deliver promotional or marketing messages with your explicit consent.
- Provide customer service and respond to your inquiries.
- Monitor compliance with messaging regulations and prevent fraud.
We ensure compliance with the TCPA, CTIA, and TCR standards by requiring opt-in consent for all promotional SMS campaigns and honoring opt-out requests promptly. SMS opt-in information and phone numbers collected specifically for SMS purposes are NOT shared with third parties under any circumstances.
The privacy policy on the Lighthouse Lending website ensures that all SMS opt-in information and phone numbers collected for SMS purposes are clearly stated as not being shared with third parties under any circumstances. This is crucial for maintaining customer trust and compliance with regulatory requirements.
It is imperative to emphasize that even if a customer provides explicit consent to share their information, such practices are strictly prohibited under the RingCentral SMS/MMS content policies. This means that regardless of customer permissions, the integrity of their personal data must be upheld, and no information should be disclosed to third parties. The RingCentral SMS/MMS content policies can be found in detail at the following link: https://www.ringcentral.com/legal/sms-mms-content-policies.html
Opt-In and Opt-Out Mechanisms
We comply with TCR and messaging guidelines by providing clear options for opting in and out of SMS communications:
- Opt-In: You will only receive SMS messages if you explicitly consent by submitting your phone number through an approved channel (e.g., website forms, text responses).
- Opt-Out: To stop receiving messages, reply with keywords such as “STOP,” “END,” or “UNSUBSCRIBE.” We will process your request immediately and ensure no further messages are sent.
Sharing of Information
We do not sell or rent your personal information. We may share information with:
- Messaging service providers for delivering SMS campaigns.
- Regulatory authorities, if required for compliance with TCR or legal obligations.
- Trusted partners involved in campaign fulfillment or customer support.
All third-party providers must adhere to strict data protection and TCR compliance standards.
Data Security
We implement strong security measures to protect your personal data, including information collected for SMS campaigns. These include:
- Encryption of sensitive data.
- Restricted access to personal information.
- Regular audits of compliance with TCR and messaging standards.
Your Rights
As part of our commitment to compliance with TCR and data protection laws, you have the right to:
- Access, update, or delete your personal information.
- Withdraw consent for SMS campaigns at any time.
- Lodge a complaint with regulatory authorities if you believe your data has been misused.
To exercise these rights, contact us at [Insert Contact Email].
Updates to This Policy
We may update this Privacy Policy to reflect changes in TCR guidelines, privacy laws, or our practices. Changes will be posted on this page with an updated effective date.
Your Acceptance Of These Terms
By using this site, or by submitting personal information to us, you signify your agreement to Lighthouse Lending’s Privacy Policy. From time to time we may change or update our privacy policies. It is your responsibility to check back regularly to inform yourself of such changes. Your continued use of www.lighthouselending.ca following the posting of changes to these terms will be deemed as your acceptance of those changes.
The foregoing policies are in effect as of July 30th, 2020. Lighthouse Lending reserves the right to change this policy statement at any time by posting the revised policy on this website. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.
If you have any further questions or concerns, please contact:
Matthew Bingley
18075 Leslie St, Unit #206,
Newmarket, ON, L3Y 9A4
[email protected]
Phone: 1-888-831-4817
Lighthouse Lending was founded on principles of trust, integrity, and the delivery of outstanding service at the lowest rates. Therefore, we are very concerned with the privacy rights of our online visitors and customers and are committed to protecting the information collected about you. www.lighthouselending.ca, owned and operated by Lighthouse Lending Inc., has taken extensive measures to protect the confidentiality of your personal information and to protect your data from misuse and unauthorized access or disclosure.
Unfortunately, no data transmission over the Internet can be guaranteed to be 100% secure. As a result, although we take great measures to protect your information, Lighthouse Lending cannot ensure or warrant the security of any information you transmit to us, and you do so at your own risk. Once we receive your transmission, Lighthouse Lending takes over and utilizes above industry standard efforts to safeguard the confidentiality of your information, such as Firewalls and unique Username and Password protections. We also restrict internal access of stored data to select employees that have been informed of our privacy policies. If you have concerns involving the security or privacy of your information, you can arrange to talk to one of our representatives by calling 705-220-3503.
Personal Information
If you submit a mortgage application to www.lighthouselending.ca you are required to provide certain information necessary to deliver the selected services. In some instances, you will only provide personal information such as name, address, e-mail address, phone number and other contact information. In other cases, you will be asked to provide the preceding contact information as well as personal financial information in order that Lighthouse Lending can perform the services requested. The more information you share with Lighthouse Lending, the more accurately Lighthouse Lending will be able to provide you with information and services you have indicated are of interest. SMS opt-in information and phone numbers collected specifically for SMS purposes are NOT shared with third parties under any circumstances.
Collection of Personal Information
Lighthouse Lending uses information collected from our mortgage inquiries to generate city and province-specific statistics. The information used is an average of all information collected and never identifies you personally. If you do not wish to have your information included in our averages, please make a note of it on the application, or contact us.
We use cookies and other tracking devices on our website including the Google Analytics cookie. The use of cookies allows us to measure site activity to provide a better user experience. Cookies and other tracking devices may be used to tell us the time and length of your visit, the pages you look at on our site, the site you visited just before coming to ours, and the name of your Internet service provider.
This helps us understand our Customers’ needs better and improve areas of our services that our Customers find valuable. For instance, when you visit www.lighthouselending.ca, our website recognizes the type of browser you are using (Firefox, Chrome, Edge, or Internet Explorer), the site that linked you to our site, the pages you visit at our site, third-party audience data (such as age, gender, and interests), and similar information. None of this information identifies you personally.
We may use third parties to serve our advertisements on other websites. In serving our advertisements, these companies may use cookies and other tracking devices to collect certain information about your visits to other websites (such as browser type, IP address, which page was visited, and time of day). This information may be used to evaluate our online advertising campaigns or to tailor promotions and other marketing messages to you. You may elect to refuse cookies. Please refer to the Help instructions in your browser to learn more about cookies and how to manage their use.
We use Google AdWords remarketing and Google Analytics remarketing to advertise Lighthouse Lending across the Internet. AdWords remarketing will display relevant ads tailored to you based on what parts of the Lighthouse Lending website you have viewed by placing a cookie on your machine. These cookies DO NOT identify you in any way or give access to your computer. The cookies simply tell us, “this anonymous person visited this page, so show them ads relating to that page.” Google AdWords remarketing allows us to tailor our marketing to better suit your needs and only display ads that are relevant to you. We will never associate personally identifiable information in our AdWords and remarketing lists.
Use and Disclosure of Information
With your prior consent, we may disclose any information we collect, as described above, to Lighthouse Lending service providers to perform a service for us or perform a function on your behalf. In cases where we use service providers, we restrict such service providers from using your non-public personal information except to act on our behalf or as required or permitted by law. Disclosure to Lighthouse Lending affiliates or service providers will be necessary so that you can receive the best possible RATES, SERVICE and MORTGAGE OPTIONS from the financial services offered by Lighthouse Lending affiliates or service providers.
Removal of Personal Information
You can request that we purge the entirety of the personal information submitted by you through www.lighthouselending.ca from our database by providing detailed instructions to Lighthouse Lending’s Privacy Officer (see below). In such cases, Lighthouse Lending will delete all digitally warehoused information you have submitted. Please note that Lighthouse Lending cannot purge information from the systems or files of our Lighthouse Lending affiliates, service providers or other financial institutions that have subsequently been sent your personal information to provide their services.
If you do not wish to participate in our Google AdWords remarketing, you can opt-out by visiting Google’s Ads Preferences Manager. https://www.google.com/setting… can also opt out of any third-party vendor’s use of cookies by visiting www.networkadvertising.org/cho… Of Use
Lighthouse Lending provides the www.lighthouselending.ca Internet site “as is” to the user without any warranty or condition, express, implied, or statutory. Lighthouse Lending disclaims any implied warranties of title, merchantability, non-infringement of intellectual property or fitness for any particular purpose.
Except as may be otherwise expressly provided by written agreement between Lighthouse Lending and the user, Lighthouse Lending will have no tort, contract or any other liability to the user and/or any third party arising in connection with the use of this Internet site, or reliance on any information or services provided at this Internet site.
Lighthouse Lending does not endorse the services or products of advertisers, sponsors, or affinity partners. Product or service information is believed to be correct but should not be relied on without prior verification. www.lighthouselending.ca contains links to outside sites, through banners, and other portals, to third party sites that send their own cookies, collect data, and solicit information. CEG does not control these sites and as such we do not endorse their products, services or information and are not associated with the operators.
In the event of errors or omissions in any information, Lighthouse Lending’s sole responsibility shall be to use its best efforts to correct, by the issue of a corrected release, any errors or omissions which it or any of its employees, servants or agents may have made, negligently or otherwise, in transmitting copy accurately and which are brought to its attention. Without limiting the generality of the foregoing, in no event shall Lighthouse Lending or any of its servants, employees or agents be liable in contract, tort or otherwise to any person (including, without limitation, the subscriber) for any loss, damage, injury, liability, cost or expense of any nature (including, without limitation, direct, indirect, consequential, incidental, special and punitive damages) which such person may suffer or incur as a result of any such errors or omissions or any delays in transmission or non-transmission.
Your Acceptance Of These Terms
By using this site, or by submitting personal information to us, you signify your agreement to Lighthouse Lending’s Privacy Policy. From time to time we may change or update our privacy policies. It is your responsibility to check back regularly to inform yourself of such changes. Your continued use of www.lighthouselending.ca following the posting of changes to these terms will be deemed as your acceptance of those changes.
The foregoing policies are in effect as of July 30th, 2020. Lighthouse Lending reserves the right to change this policy statement at any time by posting the revised policy on this website. This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.
If you have any further questions or concerns, please contact:
Matthew Bingley
18075 Leslie St, Unit #206,
Newmarket, ON, L3Y 9A4
[email protected]
Phone: 1-888-831-4817