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CUSTOMER PRIVACY
Use and Collection of Personal Information and Privacy
Collecting your personal information.
You agree that we may from time to time collect financial and other information about you such as:
- information establishing your identity (for example, name, address, phone number, date of birth, etc.) and your personal background;
- information related to transactions arising from your relationship with and through us, and from other financial institutions;
- information you provide on an application for any of our products and services;
- information for the provision of products and services; and
- information about financial behavior such as your payment history and credit worthiness.
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We may collect and confirm this information during the course of our relationship. We may obtain this information from a variety of sources, including from you, from service arrangements you make with or through us, from credit reporting agencies and other financial institutions, from registries, from references you provide to us and from other sources, as we deem appropriate.
You acknowledge receipt of notice that from time to time reports about you may be obtained by us from credit reporting agencies.
Using your personal information.
This information may be used from time to time for the following purposes:
- to verify your identity and investigate your personal background;
- to provide you with products and services you may request;
- to better understand your financial situation;
- to determine your eligibility for products and services we offer;
- to help us better understand the current and future needs of our customers;
- to communicate to you any benefit, feature and other information about products and services you have with us;
- to help us better manage our business and relationship with you; and
- to maintain the accuracy and integrity of information held by a credit reporting agency, and as required or permitted by law.
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For these purposes, we may:
- make this information available to our employees, agents and service providers, who are required to maintain the confidentiality of this information;
- share this information with other financial institutions; and
- give credit, financial and other related information to credit reporting agencies who may share it with others.
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Upon your request, we may give this information to other persons.
We may also use this information and share it with other companies affiliated or associated with us, to manage our risks and operations and those of the other companies affiliated or associated with us, to comply with valid requests for information about you from our regulators and other persons who have a right to issue such requests, and, to let other companies affiliated or associated with us know your choices under “other uses of your personal information” for the sole purpose of honoring your choices.
If we have your social insurance number, we may use it for tax related purposes if you hold a product generating income and share it with the appropriate government agencies, and we may also share it with credit reporting agencies as an aid to identify you.
Other uses of your personal information
- We may use this information to promote our products and services, and promote products and services of third parties we select, which may be of interest to you.
- We may also, where not prohibited by law, share this information with other companies affiliated or associated with us for the purpose of referring you to them or promoting to you products and services which may be of interest to you. You acknowledge that as a result of such sharing those companies may advise us of those products or services provided.
- If you also deal with other companies affiliated or associated with us, we may, where not prohibited by law, consolidate this information with information those other companies have about you to allow us and any of them to manage your relationship with companies affiliated or associated with us and our business.
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You may choose not to have this information shared or used for any of these other uses by contacting us as set out below, and in this event, you will not be refused credit or other services just for that reason. We will respect your choices and as mentioned above, your choices will be communicated to other companies affiliated or associated with us to ensure that they are respected.
You may obtain access to the information we hold about you at any time and review its content and accuracy, and have it amended as appropriate; however, access may be restricted as permitted or required by law. To request access to such information, to ask questions about our privacy policies or to request that the information not be used for any or all of the purposes outlined in “other uses of your personal information” you may do so now or at any time in the future by contacting us toll free at 1-800-64-ABODE or by visiting our website as set out below.
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