Privacy Policy
Last updated: May 02, 2017

Personal Information Collect, Use,
Disclosure and Consent

Personal Information may include your name, email address, age, home address, phone number, marital
status, income, credit history, medical information, education, employment information and social
registration numbers.

We are committed to providing our clients, customers, members (“you”, “your” or “them”) with
exceptional service. Providing exceptional service may involve the collection, use and, at times,
the disclosure of your Personal Information. Protecting your Personal Information is one of our
highest priorities. While we have always respected your privacy and safeguarded all Personal
Information, we have strengthened our commitment to this goal. This is to continue to provide
exceptional service to you and to comply with all laws regarding the collection, use and disclosure
of Personal Information. We will inform you of why and how we collect, use and disclose Personal
Information; obtain your consent, as required; and handle Personal Information according to
applicable law. Our privacy commitment includes ensuring the accuracy, confidentiality, and
security of your Personal Information and allowing you to request access to, and correction of,
your personal information.

This page informs you of our policies regarding the collection, use and disclosure of Personal
Information when you use our Service.
We will not use or share your information with anyone except as

described in this Privacy Policy.

We will only collect Personal Information that is necessary to fulfill the following purposes:

To verify identity;

To identify your preferences;

To open and manage an account;

To ensure you receive a high standard of service;

To meet regulatory requirements;

Other legal reasons as apply to the goods and services requested.

We will obtain your consent to collect, use or disclose Personal Information. In some cases, we can
do so without your consent (see below). You can provide consent orally, in writing, electronically
or through an authorized representative.

You provide implied consent where our purpose for collecting using or disclosing your Personal
Information would be considered obvious or reasonable in the circumstances. Consent may also be
implied where you have notice and a reasonable opportunity to opt-out of having your Personal
Information used for mail-outs, marketing or fundraising and you do not opt-out.

We may collect, use or disclose Personal Information without the consent:

When permitted or required by law;

In an emergency that threatens an individual’s life, health, or personal security;

When the Personal Information is available from a public source;

When we require legal advice from a lawyer;

For the purposes of collecting a debt or protection from fraud;

Other legally established reasons.

We will not sell your Personal Information to other parties unless consent has been provided or
implied. We retain your Personal Information for the time necessary to fulfill the identified
purposes or a legal or business purpose. We will make reasonable efforts to ensure that your
Personal Information is accurate and complete. You may request correction to your Personal
Information to ensure its accuracy and completeness. A request must be in writing and provide
sufficient detail to identify your Personal Information and the correction being sought.

We are committed to ensuring the security of your Personal Information and may use passwords,
encryption, firewalls, restricted employee access or other methods, in our discretion. We will use
appropriate security measures when destroying your Personal Information such as shredding documents
or deleting electronically stored information, in our discretion.

Log Data

We may also collect information that your browser sends whenever you visit our Service (“Log
Data”). This Log Data may include information such as your computer’s Internet Protocol (“IP”)
address, browser type, browser version, the pages of our Service that you visit, the time and date
of your visit, the time spent on those pages and other statistics.


Cookies are files with small amount of data, which may include an anonymous unique identifier.
Cookies are sent to your browser from a web site and stored on your computer’s hard drive.

We use “cookies” to collect information. You can instruct your browser to refuse all cookies or to
indicate when a cookie is being sent.
However, if you do not accept cookies, you may not be able to use some portions of our Service. If
you do not instruct your browser to refuse all cookies or to indicate when a cookie is being sent,
your consent to our use of your Personal Information may be implied.

Service Providers

We may employ third party companies and individuals to facilitate our Service, to provide the
Service on our behalf, to perform Service- related services or to assist us in analyzing how our
Service is used.

These third parties have access to your Personal Information only to perform these tasks on our
behalf and are obligated not to disclose or use it for any other purpose.


The security of your Personal Information is important to us, but remember that no method of
transmission over the Internet, or method of electronic storage is 100% secure. While we strive to
use commercially acceptable means to protect your Personal Information, we cannot guarantee its
absolute security.

International Transfer

Your information, including Personal Information, may be transferred to — and maintained on —
computers located outside of your province, country or other governmental jurisdiction where the
data protection laws may differ than those from your jurisdiction.

If you are located outside Canada and choose to provide information to us, please note that we
transfer the information, including Personal Information, to Canada and process it there.

Your consent to this Privacy Policy followed by your submission of such information represents your
agreement to that transfer.

Links To Other Sites

Our Service may contain links to other sites that are not operated by us. If you click on a third
party link, you will be directed to that third party’s site. We strongly advise you to review the
Privacy Policy of every site you visit.

We have no control over, and assume no responsibility for the content, privacy policies or
practices of any third party sites or services.

Children’s Privacy

Our Service does not address anyone under the age of 18 (“Minor”).

We do not knowingly collect personally identifiable information from Minors. If you are a parent or
guardian and you are aware that your Minor has provided us with Personal Information, please
contact us. If we become aware that we have collected Personal Information from Minors without
verification of parental consent, we take steps to remove that information from our servers.

Changes To This Privacy Policy

We may update our Privacy Policy from time to time. We will notify you of any changes by posting
the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy
Policy are effective when they are posted on this page.

If we make any material changes to this Privacy Policy, we will notify you either through the email
address you have provided us, or by

placing a prominent notice on our website.
Contact Us
If you have any questions about this Privacy Policy, please contact




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