We collect only customer information that is needed and we tell customers how we use it.
We limit the collection, use, retention, and disclosure of personal information about individuals who are customers or potential customers to what we need to know:
to provide customer services to offer new products and services to understand the current and future needs of our customers and to otherwise analyze and manage our business to assess and manage our risk to detect and protect us against error, fraud and other criminal activity to exchange information with customers who are jointly liable to us to comply with any legal and regulatory requirements or for any other purpose for which a customer consents. In this Code “personal information” means any information that relates to an individual and allows that individual to be identified.
We tell our customers about the purposes for which we collect, disclose, use and process personal information we collect about them, and if requested by the customer, we will provide further explanation. Similarly, date of birth is required in certain circumstances to comply with “know your customer” requirements, and for security reasons.
We give customers choices about how their personal information will be used.
At the beginning of a customer relationship, and on a regular basis, we give customers the choice of not receiving promotions and marketing offers. However, we will continue to provide information to our customers in keeping with the nature of their relationship with us.
Subject to legal and contractual restrictions, you can withdraw your consent to our use of your personal information at any time with reasonable notice. For example, you may choose not to receive marketing offers or other promotional materials. If you refuse or withdraw your consent for any purpose that is required by us to fulfill our product or service contract with you, we will not be able to provide you, or continue to provide you, with the product or service.
We give customers rights to access and correct their personal information.
Customers have access to personal information that is reasonably available and retrievable in the ordinary course of business. Upon written specific request, we will disclose to customers personal information about them that is entered in our records, and customers may correct any of such personal information that is inaccurate or incomplete. We will respond to a customer’s request, and advise the customer in advance of any charges for copies of his/her file. There will be a minimum cost of $75.00. Some information may not be accessed if it refers to others, is subject to legal privilege, contains confidential information, cannot be retrieved using a customer’s name or account number, cannot be disclosed for legal reasons, or as otherwise permitted by law. It should be noted that we do not record in customers’ individual files when personal information was disclosed to third parties for routine purposes such as processing travel requests and storage. If we are informed and it is determined that a customer’s personal information in our files is inaccurate, we will correct it. If we correct a customer’s file, we will, where appropriate, notify persons who received the incorrect information in the preceding six months and, where applicable, to the person who provided the incorrect information. All customers may access their personal information by writing to:
6142 Main Street, Stouffville, On. L4A1A5