We understand The Company maintains client information (including our personal information) which will be kept physically at the office of The Company and electronically on Top Mortgages Inc. computer systems until the loan/mortgage is funded. Access to this File is restricted to personnel having a need to deal with the File. We can review and correct any and all personal information in this File upon request. Consents The Company can retain and use our personal contact information for these purposes for seven years after the last loan/mortgage application made on our behalf. The Company can use our personal information for these purposes and may: > obtain personal information about me/us from consumer reporting agencies, credit bureaus, and real estate appraisers, and (if more than one client) about either of us from the other, > provide our personal information to third parties for these purposes (eg. lenders). Further, each lender considering our application(s) from Top Mortgages Inc. may: > obtain personal information about me/us from consumer reporting agencies, credit bureaus, and real estate appraisers, and (if more than one client) about either of us from the other, > ensure the accuracy of our personal information by contacting third parties. Our personal information can be retained by Top Mortgages Inc. and by these lenders for seven years after: > the last loan/mortgage application made on our behalf, or > the end of the term of the loan/mortgage, whichever is later. Additional Terms 1. Throughout this application, "I", "we", "us" and "our" refer to the applicant and co-applicant consenting below; "you", "your" and "The Company" refer to Top Mortgages Inc.. 2. We acknowledge that you may receive a finder's fee (commission) from a lender in respect of arranging a mortgage/loan and we hereby waive any right to deny or dispute our receiving said fee. 3. We acknowledge that any appraisal, evaluation, inspection and legal expenses incidental to this application will be paid by us. 4. We will not make any claims against you for any failure to obtain a loan / mortgage commitment, or for any actions or omissions to act by any lender. 5. In consideration of your acting for us, we agree to the terms and provisions listed in this Privacy Protection and Client Consent.