Privacy Policy

PRIVACY POLICY 

Pamoja Community Investment Fund 

We understand that privacy online is important to users of our Site, especially when conducting business. This Privacy Policy governs our privacy policies with respect to those users of the Site (“Visitors,” “you” or “your”) who visit without transacting business and Visitors who register to transact business on the Site and make use of the various services offered by Pamoja Community Investment Fund (collectively, “Services”) (“Authorized Customers”). You are entering into a binding legal agreement with Pamoja Community Investment Fund, the website, located at www.PCIF.ca (the “Site”) and the third-party service vendors who use the Site and their parents, subsidiaries and affiliates (the “Company,” “us,” “we” and “our”). This Privacy Policy is in effect for any web page, mobile application, email list, and information, including Personally Identifiable Information, collected/owned by us, regardless of the method of collection, including collection through any online features, services, and/or programs we offer. This Privacy Policy is not applicable to your use of any third-party web page, mobile application, social media site, or any information collected or owned by any entity other than us. 

This Privacy Policy is incorporated by reference in our Terms of Service and by using the Site or the Services and/or submitting your information to search or create a user profile, you give express consent to all of the terms contained herein, as well as those provided in our Terms of Service, and constitutes your electronic signature. You may withdraw this consent by using the opt-out procedures described below.   

“Personally Identifiable Information” 

Refers to any information that identifies or can be used to identify, contact, or locate the person to whom such information pertains, including, but not limited to, name, address, phone number, fax number, email address, financial profiles, social security number, and credit card information. Personal Identifiable Information does not include information that is collected anonymously (that is, without identification of the individual user) or demographic information not connected to an identified individual. 

What Personally Identifiable Information is collected? 

We may collect basic user profile information from all of our Visitors. We collect the following additional information from our Authorized Customers: the names, addresses, phone numbers and email addresses of Authorized Customers. 

What organizations are collecting the information? 

In addition to our direct collection of information, our third-party service vendors (such as mortgage lenders, insurance brokers, and title companies) who may provide such services as mortgage lending, mortgage insurance, escrow services and title insurance may collect this information from our Visitors and Authorized Customers. We do not control how these third parties use such information, but we do ask them to disclose how they use personal information provided to them from Visitors and Authorized Customers. Some of these third parties may be intermediaries that act solely as links in the distribution chain, and do not store, retain, or use the information given to them. 

How does the Site use Personally Identifiable Information? 

We use Personally Identifiable Information to customize the Site, to make appropriate service offerings, and to fulfil buying and selling requests on the Site. We may email Visitors and Authorized Customers about research or purchase and selling opportunities on the Site or information related to the subject matter of the Site. We may also use Personally Identifiable Information to contact Visitors and Authorized Customers in response to specific inquiries, or to provide requested information. 

With whom may the information may be shared? 

Personally, Identifiable Information pertaining to Authorized Customers and other non-personally identifiable information will be shared with our employees and with third party service providers who assist us with our Site operations or other services we may offer. Personal Identifiable Information about Authorized may be shared with other Authorized Customers and other providers of real estate-related services, such as mortgage lenders, that we work with, who wish to evaluate potential transactions with other Authorized Customers and/or us. Further, we may share aggregated information about our Visitors, including the demographics of our Visitors and Authorized Customers, with our affiliated agencies and third-party vendors. We also offer the opportunity to “opt out” of receiving information or being contacted by us or by any agency acting on our behalf. Our employees, agents, third party service providers and partners are contractually bound to use Personally Identifiable Information solely in connection with providing the Services, and may not use it for any other purpose. 

We may disclose information provided by Visitors as part of any merger, sale, acquisition, or financing of our company. Furthermore, in some instances, we may be legally required to provide information about Visitors to government authorities, including law enforcement, homeland security, and intelligence agencies. We cooperate with law enforcement in identifying persons using our Services for illegal activities and reserve the right to report any activities that we believe to be unlawful or in violation of our Terms and Conditions. 

How is Personally Identifiable Information stored? 

Personal Identifiable Information collected by Pamoja Community Investment Fund is securely stored in accordance with current industry standards and is not accessible to third parties or employees of Pamoja Community Investment Fund except for use as indicated above. 

What choices are available to Visitors regarding collection, use and distribution of the information? 

Visitors and Authorized Customers may opt out of receiving unsolicited information from or being contacted by us and/or our vendors and affiliated agencies by responding to emails as instructed, or by contacting us at: 

 
Contact Email: Info@PCIF.ca  

Are Cookies Used on the Site? 

Cookies are used for a variety of reasons. We use Cookies to obtain information about the preferences of our Visitors and the services they select. We also use Cookies for security purposes to protect our Authorized Customers. For example, if an Authorized Customer registers for a free account after spending time using the site services, Cookies allow us to securely associate the Authorized Customer’s search preferences with the newly created account. 

How does Pamoja Community Investment Fund use login information? 

Pamoja Community Investment Fund uses login information, including, but not limited to, IP addresses, ISPs, and browser types, to analyze trends, administer the Site, track a user’s movement and use, and gather broad demographic information. 

What partners or service providers have access to Personally Identifiable Information from Visitors and/or Authorized Customers on the Site? 

Pamoja Community Investment Fund has entered and will continue to enter partnerships and other affiliations with several vendors. Such vendors may have access to certain Personally Identifiable Information on a need-to-know basis for evaluating Authorized Customers for service eligibility. Our Privacy Policy does not cover their collection or use of this information or disclosure of Personally Identifiable Information to comply with law. We will disclose Personally Identifiable Information in order to comply with a court order or subpoena or a request from a law enforcement agency to release information. We will also disclose Personally Identifiable Information when reasonably necessary to protect the safety of our Visitors and Authorized Customers. 

How does the Site keep Personally Identifiable Information secure? 

All of our employees are familiar with our security policy and practices. The Personally Identifiable Information of our Visitors and Authorized Customers is only accessible to a limited number of qualified employees who are given a password in order to gain access to the information. We audit our security systems and processes on a regular basis. Sensitive information is protected by encryption protocols, in place to protect information sent over the Internet. While we take commercially reasonable measures to maintain a secure site, electronic communications and databases are subject to errors, tampering and break-ins, and we cannot guarantee or warrant that such events will not take place and we will not be liable to Visitors or Authorized Customers for any such occurrences. 

How can Visitors correct any inaccuracies in Personally Identifiable Information? 

Visitors and Authorized Customers may contact us to update Personally Identifiable Information about them or to correct any inaccuracies by emailing us at info@PCIF.ca We encourage Visitors and Authorized Customers to always keep Personally Identifiable Information up to date. With that said, changes and updates to Personally Identifiable Information will only be reflected going forward and we cannot alter any information we may have provided to a third party. 

Can a Visitor delete or deactivate Personally Identifiable Information collected by the Site? 

We provide Visitors and Authorized Customers with a mechanism to delete/deactivate Personally Identifiable Information from the Site’s database by contacting us via the information provided in this Privacy Policy. However, because of backups and records of deletions, it may be impossible to delete a Visitor’s entry without retaining some residual information. An individual who requests to have Personally Identifiable Information deactivated will have this information functionally deleted, and we will not sell, transfer, or use Personally Identifiable Information relating to that individual in any way moving forward. 

Minors 

Our Site is not intended for use by minors and as such, no one under the age of 13 should use, or provide any personal information to, our Site. If we discover that we have mistakenly collected personal information from a child under the age of 13, we will delete that information as soon as possible. 

Links 

The Site contains links to other web sites. Please note that when you click on one of these links, you are moving to another web site. We encourage you to read the privacy statements of these linked sites as their privacy policies may differ from ours. 

Governing Law 

By visiting the Site, you agree that the laws of Canada, without regard to principles of conflict of laws, shall govern this Privacy Policy and any dispute or any sort that may arise between you and our company, or our affiliates. 

What happens if the Privacy Policy Changes? 

We reserve the right to modify or amend this Privacy Policy at any time by posting the revised Privacy Policy. We will let our Visitors and Authorized Customers know about changes to our Privacy Policy by posting such changes on the Site. 

  
This policy was updated on April 5th, 2021