Mortgage Broker

Spring 2018

Mortgage Broker is the magazine of the Canadian Mortgage Brokers Association and showcases the multi-billion dollar mortgage-broking industry to all levels of government, associated organizations and other interested individuals.

Issue link: http://digital.canadawide.com/i/981086

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CmB magazIne cmba-achc.ca spring 2018 | 13 letters to the editor n "Cloud Computing for Small- and Medium- Sized Enterprises" at www.priv.gc.ca/en/ privacy-topics/technology-and-privacy/online- privacy/cloud-computing/gd_cc_201206/ n "Getting Accountability Right with a Privacy Management Program" at www.priv.gc.ca/ en/privacy-topics/privacy-laws-in-canada/ the-personal-information-protection-and- electronic-documents-act-pipeda/pipeda- compliance-help/pipeda-compliance-and- training-tools/gl_acc_201204/. Cloud Computing – Transborder Canadian organizations in the private sector are permitted to transfer personal information to an organization in another jurisdiction for processing. However, doing so can pose several issues including: n the cloud provider's backup servers could be in a different physical location than the primary servers; n the data that is outsourced may be physically located in several jurisdictions; n the data in another jurisdiction is subject to the laws of that jurisdiction; n the laws of the jurisdiction where the data is located may allow access in broader circumstances than would be allowed in Canada; and n it may be difficult to obtain and enforce judgments in other jurisdictions. e sensitivity of the information is a major factor in determining whether it is appropriate to send it to cloud computing. A person's financial information is considered one of the more sensitive types of information and so is subject to greater protection. A foreign jurisdiction storing and allowing access to a client's information may very well contravene the Registrar's bulletin, as the disclosure would be neither authorized by the client nor required by law (we are concluding that access or disclosure required by foreign law is not to be considered as required by law for our purposes). It could also be concluded that the broker did not take reasonable steps to ensure the safety of the client information from access by persons who are not authorized by the client to have the information. For additional guidance on transborder data flows, see Guidelines for Processing Personal Data Across Borders at www.priv. gc.ca/media/1992/gl_dab_090127_e.pdf. Although these Guidelines relate to the federal legislation, the principles would as well be valuable in determining compliance with the provincial legislation. Further Information More complete information is available on the B.C. Information and Privacy Commissioner's site at www.oipc.bc.ca/ and at the sites of the Canadian and other provincial privacy commissioners. We hope you find this of assistance and thank you for your question. Please send letters to the editor to info@cmba-achc.ca

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