While information is the cornerstone of our ability to provide superior service, our most important asset is our customers’ trust. Keeping customer information secure, and using it only as our customers would want us to, is a top priority for us. Here, then, is our commitment to privacy.
Identifying The Purposes
We use your personal information to communicate with you, process your orders, and adjudicate your eligibility for products and services, offer, set up, manage and administer our business, products and services, provide you with ongoing information about us and our promotions, measure and improve our websites and marketing initiatives, tailor our product and service offerings to your preferences and generally fulfill our legal and regulatory requirements. We may survey your opinions of current products or services or of potential new products or services that may be offered. For purposes of our credit reporting, verification and risk management, we will exchange information about our customers with reputable reference sources, credit bureaus, clearinghouse services and our business partners.
As we continue to develop and grow, we may buy or sell parts of our business. As an important part of our businesses include the relationships with our customers, employees and contractors, personal information would generally be one of the assets which would be transferred or transitioned to a third party purchaser.
Notice About Sharing Customer Information And About Marketing Lists
To serve our customers better and with your consent, we may share with our business partners certain information about you on a confidential basis. We are also committed to keeping you informed about the marketing and promotional offers. However, if you wish to be removed from our marketing lists, please write to us. Each customer on a joint account may direct that only his or her own information not be shared by or be removed from our marketing lists.
Types of Information We Collect
Typical information that we collect includes: your name, mailing address, shipping address, e-mail address, phone number(s), occupation, referral source, date of birth, credit card information (including card type and number, expiry date and name of card holder), banking information, status of employment, place and details of employment, annual income, net worth information, credit history and Social Insurance Number.
Subject to legal and contractual requirements, you can refuse to consent to our collection, use or disclosure of your personal information, or you may withdraw your consent to our further collection, use or disclosure of information at any time in the future by giving us reasonable notice. If you refuse or withdraw your consent, we may not be able to provide you or continue to provide you with some products, services or information which may be of value to you. During the term of any agreement you have with us, you may not withdraw your consent to our ongoing collection, use or disclosure of your personal information in connection with such agreement.
Limiting Collection and Sources of Information
We will limit the collection and use of personal information to that which is necessary for the purposes we have identified to you, including without limitation, the purposes identified above, using means which are fair and lawful. Although we will collect your personal information primarily from you, we may also collect it from external sources such from credit bureaus, references, employers, personal property and land titles registries and other government agencies, other creditors and financial institutions.
We protect personal information against loss or theft, unauthorized access, disclosure, copying, use, or modification with security safeguards appropriate to the sensitivity of the information. Our safeguards vary depending on the information's sensitivity, amount, distribution and format of the information and the method of storage. We use a variety of security technologies and procedures to help safeguard your personal information. For example, personal information which we hold electronically is on password protected computer systems with limited access that are located in controlled facilities. Paper-based files are kept in controlled facilities and access is restricted on a need to know basis. All security measures are appropriate to the sensitivity level of your information.
We are responsible for all personal information in our control, including any personal information we disclose to third parties for processing or other administrative functions. Whenever we hire other organizations to provide support services, we will require them to conform to our privacy standards and to allow us to audit them for compliance. In some cases, we may refer you to a third party where you provide to your personal information directly to the third party. In this instance, your disclosures will be made pursuant to the third party’s privacy policies and we are not responsible in the event of any breach or non-compliance by such third party of their privacy policies or applicable privacy legislation.
We retain personal information only as long as it is required for the reasons it was collected. The length of time personal information is retained varies depending on the purpose for which the information was collected. This period may extend beyond the end of your relationship with us but only for so long as it is legally necessary for us to have sufficient information to respond to any issue that may arise at a later date. When your information is no longer needed for the purposes it has been collected, we have procedures to destroy, delete, erase or convert it to an anonymous form.
Keeping Information Accurate
We will attempt to keep customer files complete, up to date, and accurate. We will tell our customers how and where to conveniently access their account information (except when prohibited by law) and how to notify us about errors which we will promptly correct.
How To Find Out What Information We Have About You
Write to our Privacy Officer at the address below:
If you have any questions concerning the information we have in your file or about our information practices;
To obtain certain information that we have on file for you, you must specify the information you are interested in; and
If you believe any of our information is incorrect, we’ll investigate it and correct it as required.
All requests and notification applicable to us must be made in writing. When you write, please be sure to tell us your:
Phone number (where you can be reached during business hours)
The best time of day for us to call you; and
If you are requesting information, specify the information you are interest in.
If you are writing to exercise your opt-out rights, specify whether you are opting out of our sharing information with affiliates and/or from our marketing lists.
To file an opt-out request, request access to your information, or to report incorrect information, write to:
Amending this Policy