Privacy Policy

PRIVACY AGREEMENT

Last Revised December 2019
In this Agreement, “we”, “our” and “us” mean, as applicable, any Trillium FSB Inc. member; “you” and “your” mean an individual who has made application to us for any personal or commercial credit service offered by us (“Service”), including any co-applicants, guarantors or personal representatives.
Collecting, Using and Disclosing Your Information
1. When you apply for, or provide a guarantee in respect of, or use any Service and while you are our customer, you agree that: We may collect personal information from you and about you such as:

o  Your name, address, occupation and date of birth, which is required by law;
o Identification, such as a valid Canadian driver’s license or passport or birth certificate issued in Canada. We may also   ask for documents including recent utility bill to verify your name & address;
o  Your annual income, assets and liabilities and credit history;
o Information about your transactions, including payment history and account activity;
o Any Corporate information pertaining to or necessary for a lease/finance approval
We may collect from, and use and disclose this personal information to, any person or organization for the following purposes:
o  To confirm your identity;
o  To understand your needs;
o  To determine the suitability of our Services for you;
o  To determine your eligibility for our Services;
o  To set up, manage and offer Services that meet your needs;
o  To provide you with ongoing Service;
o  To meet our legal and regulatory requirements;
o  To investigate and adjudicate insurance claims; and
o  To detect and prevent fraud or other criminal activity.
We do not provide directly all the services related to your relationship with us. We may use third party service providers to assist us with various services such as printing, mail distribution and marketing and you acknowledge that we may release information about you to them. When personal information is provided to our service providers, we will require them to protect the information in a manner that is consistent with Trillium FSB Inc. privacy policies and practices.

2- We may collect, use and disclose your Social Insurance Number (SIN) for income tax reporting purposes, as required by law. In addition, we may ask you for your SIN to verify and report credit information to credit bureaus and credit reporting agencies as well as to confirm your identity. This allows us to keep your personal information separate from that of other customers, particularly those with similar names, and helps maintain the integrity and accuracy of your personal information. You may refuse to consent to its use or disclosure for purposes other than as required by law.

3- We may verify relevant information you give us with your employer or your references and you authorize any person whom we contact in this regard to provide such information to us. If you apply for a Service and during the time you have the Service, we may consult various financial service industry databases or private Investigative Bodies maintained in relation to the type of Service you have applied for or have. You also authorize us to release information about you to these databases and Investigative Bodies. Investigative Bodies are designated under the regulations of the Personal Information Protection and Electronic Documents Act (PIPEDA) and include such organizations as the Bank Crime Prevention and Investigation Office of the Canadian Bankers Association and the Investigative Services Division of the Insurance Bureau of Canada.

4- We may monitor or record any telephone call we have with you. The content of the call may also be retained. We may inform you prior to proceeding with the call of this possibility. This is to establish a record of the information you provide, to ensure that your instructions are followed properly and to ensure customer service levels are maintained.

5- If you have a Service with us, we may use, disclose to and collect from credit bureaus or financial service industry databases, credit and other information about you in order to offer you pre-approved credit products. We may also do this after the Service has ended. You may withdraw your consent at any time by giving us reasonable notice (see below).

6- We may give information (except health information) about you to other financial service providers (where the law allows this) so that these companies may tell you directly about their products and services. Trillium FSB Inc. includes companies engaged in the following services to the public: loans and other personal financial services; insurance services; extended warranties. This consent will apply to any companies that form a relationship with Trillium FSB Inc. in the future. You also agree that we may provide you with information from third parties we select. Your consent to this is not a condition of doing business with us and you may withdraw it at any time (see below).

7- If we sell the company or a portion of the business of Trillium FSB Inc., we may release the information we hold about you to the prospective purchaser.

8- We may keep and use information about you in our records for as long as it is needed for the purposes described in this Agreement, even if you cease to be a customer.

9- All information that you give us will, at any time, be true and complete. If any personal information changes or becomes inaccurate or out of date, you are required to advise us so we can update our records.

Refusing or Withdrawing Consent
Subject to legal, regulatory and contractual requirements, you can refuse to consent to our collection, use or disclosure of information about you, 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. Depending on the circumstances, however, withdrawal of your consent may impact on our ability to provide you or continue to provide you with some Services or information that may be of value to you. We will act on your instructions as quickly as possible but there may be certain uses of your information that we may not be able to stop immediately. You cannot refuse our collection, use and disclosure of information required by third party service providers essential for the provision of the Services or required by our regulators, including self-regulatory organizations. You can tell us at any time to stop using information about you to promote our Services or the products and services of third parties we select. If you wish to refuse consent or to withdraw consent as outlined in this Agreement, you may do so at any time by contacting our head office at info@tfsb.com or by calling us at one of the following telephone numbers:
Local telephone number……… 905.761.1096 Toll Free………1.866.30.LOANS
In Addition, If You Apply For, Accept, or Guarantee, a Vehicle loan, Line of Credit, Equipment Lease, or Other Personal or Commercial Credit facilities With Us
When you apply for, accept, or guarantee a loan or credit facility or otherwise become indebted to us, and from time to time during the course of the loan or credit facility, we may use, give to, obtain, verify, share and exchange credit and other information (except health information) about you with others including credit bureaus, creditor insurers, registries, other companies affiliated with Trillium FSB Inc. and other persons with whom you may have financial dealings, as well as any other person as may be permitted or required by law. We may do this throughout the relationship we have with you. You also authorize any person whom we contact in this regard to provide such information to us. During the term of the loan or credit facility, you may not withdraw your consent to our ongoing collection, use or disclosure of your personal information in connection with the loan or other credit arrangement you have with us or have guaranteed. We can continue to disclose your personal information to credit bureaus even after the loan or credit facility has been retired, and you may not withdraw your consent to our doing so. We do this to help maintain the accuracy, completeness and integrity of the credit reporting system.
Further Information
You acknowledge that we may amend this agreement from time to time to take into consideration changes in legislation or other issues that may arise. We will post the revised agreement on our website listed below and make it available at our branches and head office. We may also send it to you by mail.
For further information, you can call us toll-free at 1-866-30-LOANS.  Or visit us online at www.tfsb.com

Web Site Privacy Policy

This Privacy Policy summarizes how We collect information from you and how WE may use it. By using this Website, you consent to the terms of our Privacy Policy and to the use of your information in accordance with this Policy. If you do not agree our Policy, please do not use our Website.

Information Collected

WE collect general information provided by your internet connected computer to better understand user demographics,to improve our Website and to better meet your needs such as the type of browser that you use, the services and products you requested, the domain name and country from which you request information, the Website that you just came from, and the Website you next visit and your IP address.

Uses and Disclosure of Information Collected

WE will not release or use your personal information without your consent, except as specified in this Privacy Policy.

The information that you supply will be used to respond to your inquiries, to provide you with products and services, and to monitor transactions that you carry out with us. WE may authorize third party suppliers and service providers to use this information solely to assist us in providing our products and services.

WE may use your information to contact you about any new or updated products and services. WE may offer optional questionnaires, surveys and other information to you to assess and meet your interests and needs. The use of the information collected in questionnaires and surveys will be explained in such questionnaires and surveys. You will be able to “unsubscribe” to such information mailings and contacts at any time.

WE may share aggregate information about our users with advertisers, business partners, and other third parties, but such information will not personally identify any individual.

If you terminate your account or deactivate specific services, WE will maintain some basic information about you in association with these services, including your name and address. This information will only be used by us for internal record keeping purposes, as required by law or as otherwise permitted by you. Upon any termination of your account, WE will also retain general information about you which does not identify you personally, but which may still be included with our aggregate information that is provided to third parties. Information that you provide to us can never be completely removed from databases due to technical constraints and the fact that WE back up our systems.

WE may disclose your information in special cases when WE have reason to believe that disclosing this information is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference with (intentionally or unintentionally) our rights or property, its users, or anyone else, WE may also disclose your information when WE believe in good faith that the law requires it.

Cookies

Like most Websites, WE may use cookies to keep track of your purchases and other activity on the Website and enhance your experience on the Website. WE may also use cookies to deliver content specific to your interests, to save your password, and if you choose, to save other personal information so you do not have to re-enter it each time you visit the Site. Third party advertisers on the Website may also place cookies on your browser. If you wish to disable these cookies, the “help” portion of the toolbar on most browsers will tell you how. However, if you set your browser to disable cookies, you may not be able to access certain areas on the Website

Links to Other Websites

Our Website may contain links to other Websites, including Websites of affiliated companies. WE do not endorse or otherwise accept responsibility for the content or privacy policies of those Websites. You should carefully review the privacy statements and other terms of use for such Websites. These other Websites may send their own cookies to users, collect data or solicit personal information.

Changes to this Privacy Policy

WE reserve the right to modify this Privacy Policy at any time, and WE will promptly include any modifications within the online version of the Privacy Policy. Your continued use of this Website after any modifications are posted to the Website shall constitute your acceptance of all such modifications. The date of the most recent revision is shown at the bottom of this page.

Security of Information Cannot be guaranteed

WE strive to protect our user’s personal information and privacy. WE cannot guarantee the security of any information you disclose online, and therefore you do so at your own risk. If you use this Website, you are responsible for maintaining the confidentiality of your account and password and for restricting access to your computer.