Protecting your identity and personal information is our mission. We provide this policy statement because we want you to be fully informed about how we protect the privacy of your information.

Your Credit Report Information

As part of our products and services, we may, based on the authorization you have provided, retrieve your credit report information from credit reporting agencies on your behalf and provide that information to you. We do not disclose that credit report information to anyone but you, except for our service providers who help us provide our products and services to you. We also may disclose that information as provided by law, such as for fraud prevention, upon request by your authorized representative, or to comply with federal or provincial legal requirements.

Other Personal Information

In addition to your credit report information as described above, we collect other personal information in order to:

• Process your application for our products and services.
• Verify your identity and retrieve your credit report information.
• Provide our products and services to you, including customer service and payment processing.

For those purposes, we may collect such information as your name, mailing address, e-mail address, phone number, date of birth, credit card or other payment information, and service records. We may transfer that information to our service providers. We also may disclose that information as provided by law, such as for fraud prevention, upon request by your authorized representative, or to comply with federal, provincial or local legal requirements.

If you became a customer for our products and services through a financial institution or other entity with whom we have a joint marketing agreement, we may disclose your information - but not your credit report information - to that financial institution or entity for use in connection with our jointly offered products and services.

Unless you ask us not to, we also may use the information described above, but not your credit report information, to contact you about our products and services and those of our financial institution and other partners. By responding to offers by our financial institution or other partners, you may be disclosing your personal information directly to them.

Cookies and Anonymous Information

If you access our web site, we may use "session cookies". Session cookies are small bits of computer code that we install on your computer for use only during a one-time "session" at our web site. We use session cookies to make your visit to our web site easier, and to collect information such as traffic, viewing and usage patterns, but only on an anonymous basis. We do not use "persistent cookies," which recognize your computer when you return to our web site. Because we do not use persistent cookies, you will have to enter your personal information each time you return to a members-only area on our web site.

We do not use "persistent cookies," which recognize your computer when you return to our web site. Because we do not use persistent cookies, you will have to enter your personal information each time you return to a members-only area on our web site.

Restricted Access

To access your personal information on our web site, you are required to select a user name and password. It is your responsibility to restrict access to your user name and password so that only you may gain entry to your personal information online. If you believe your user name or password has been compromised, you may change this information on our web site.

Confidentiality and Security

We recognize the importance of advanced security for your information. We maintain physical, electronic and procedural safeguards to protect your personal information. Our authorized employees, agents and mandataries who require access to your personal information in order to fulfill their job requirements will have access to your personal information.

Other Web Sites

You may access our web site through other web sites. We are not responsible for the collection of information by those other web sites, and are not bound by any policies or statements made on such sites. Other web sites, Internet search engines and marketing companies through which you access our web site may use persistent or session cookies and collect information such as traffic, viewing and usage patterns.

Children's Privacy

Our web site, and our products and services, are designed for use only by adults. We do not knowingly solicit or retain information from children.

Changes to Our Privacy Policy

From time to time, our Privacy Policy may change. We will notify you of any substantive changes to our Privacy Policy in advance of implementation. If you use our web site, you agree that we may notify you of changes to our privacy policy by updating our web site. If you receive your product and service materials by mail, you will be notified of any changes to our Privacy Policy by mail.

Access to Your Information

We may establish and maintain a record of your personal information for the purposes described above. If you wish to request access or correction of your personal information in our custody or control, you may write to P.O. Box 7256, Station A, Toronto, Ontario M5W 1X9, attention Customer Care. Your right to access or correct your personal information is subject to applicable legal restrictions. We may take reasonable steps to verify your identity before granting access or making corrections.

Consent

By providing us with personal information, we will assume that you consent to our collection, use and disclosure of such information for the purposes identified or described in this privacy policy, if applicable, or otherwise at the time of collection. You may contact our customer service number if you wish to withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. Note that if you withdraw your consent to certain uses of your personal information, we may no longer be able to provide certain of our products or services.

Business Transactions

We may use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets, for the purposes of evaluating and/or performing the proposed transaction. If required, our assignees or successors may use and disclose your personal information for similar purposes as those described in this privacy policy in order to continue providing you with our products and services.

Questions and Comments

If you have questions or comments about our privacy policy, please contact us at the customer service number posted on our web site or provided in your materials.

Last Updated October 2009