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.
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.
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.
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.