Medicard
privacy policy

PRIVACY POLICY

INTRODUCTION
iFinance Inc., (“iFinance”, “we”, “us” or “our”), and its subsidiaries and affiliates are committed to protecting the Personal Information (“Personal Information”) you provide including the collection, use, and disclosure of “Personal Information” and when we share it with third parties. IFINANCE recognizes and respects the importance of protecting the security and confidentiality of the Personal Information we collect and maintain and takes steps to ensure we meet privacy principles and requirements with respect to Personal Information under applicable Canadian privacy legislation. The purpose of this Privacy Policy is to inform our customers and other individuals how we deal with (“you” and “your”) Personal Information and how we collect, use, disclose, and protect your Personal Information. Personal Information is information that is identifiable as pertaining to an individual. Our Privacy Policy explains how we handle your Personal Information. By accessing or using this Site or by contacting our corporate office, you agree to this Privacy Policy and to the Terms and Conditions governing its use. If you do not agree with our policies and practices, your choice is not to use our Site. If you have questions, comments or concerns about our Privacy Policy, please contact us at: privacy@ifinancecanada.com. IFINANCE’s Privacy Policy is designed to comply with Canada’s Federal Personal Information Protection and Electronic Documents Act (PIPEDA) and provincial laws, if applicable. These guidelines have been customized to meet your specific needs and expectations of IFINANCE. IFINANCE will continue to review this Privacy Policy to ensure it remains current with changing laws and regulations while meeting your evolving needs. In the event of any amendment to the Privacy Policy, a notice will be posted on: www.ifinancecanada.com/privacy-policy. Your continued use of this Site after we make changes to this Privacy Policy indicates that you accept and consent to those changes, so please check periodically for updates.

OUR PRINCIPLES OF PRIVACY
Principle 1: Establishing Accountability IFINANCE is responsible for maintaining and protecting the Personal Information under its control.
Principle 2: Identifying the Purpose of Collecting Information
We will identify the purposes for which Personal Information is collected before or at the time the information is collected.
Principle 3: Obtaining Consent We will require the knowledge and your consent for the collection, use or disclosure of personal information except where required or permitted by law.
Principle 4: Limiting Collection of Personal Information Personal Information we collect will be limited to those details necessary for the purposes identified by IFINANCE. Personal Information we collect must be collected by fair and lawful means.
Principle 5: Limiting Use, Disclosure and Retention of Personal Information We may only use or disclose your Personal Information for the purpose for which it was collected unless you have otherwise consented, or when it is required or permitted by law. We will retain Personal Information for the duration of our relationship with you, plus a reasonable period of time as required or permitted by law. To determine the appropriate retention period, we consider various factors, such as the purpose of processing your Personal Information, the need to retain the Personal Information to provide you with our products and services, as well as all applicable legal and regulatory constraints. In some situations, we may be required to retain your Personal Information beyond the initially planned retention periods, either due to regulatory obligations or in response to legal requirements.
Principle 6: Keeping Information Accurate It is important that the Personal Information we hold about you is accurate and current to fulfill the purposes for which it is to be used. Please keep us informed if your Personal Information changes. By law you have the right to request access to and to correct the Personal Information that we hold about you.
Principle 7: Protecting Personal Information We will protect the Personal Information we hold with security safeguards that are appropriate to the sensitivity level of the information.
Principle 8: Maintaining Openness of Policies and Practices IFINANCE will make information available to you concerning the policies and practices that apply to the management of your Personal Information.
Principle 9: Providing  Access to Your Personal Information Upon request, you shall be informed of the existence, use and disclosure of your Personal Information, and shall be given access to it, except when legally restricted. You may verify the accuracy and completeness of your Personal Information that we hold, and may request that it be amended, if appropriate.
Principle 10: Handling Complaints and Questions You may direct any questions or enquiries with respect to the privacy principles outlined in this Privacy Policy or about our practices by contacting our Privacy Officer at privacy@ifinancecanada.com.

INFORMATION WE COLLECT
IFINANCE collects non-public Personal Information which can include: name, address, telephone number, e-mail address, bank account numbers, bank statements, credit report, credit card information, postal code, town or city, gender, marital status, relation with the applicant, preferred language, job title, employer information, landlord information, monthly income, monthly expenses details, birth date, SIN number, purchase history, bankruptcy history, credit report, click through activity, IP address, product or service preferences or instructions, other applicable information for personal identity verification and all other information you may provide and we collect through our on-line application, tablet or mobile applications, at point-of-sale, in our website, by telephone, fax, mail or e-mail or through the “Apply Online” features at a retailer’s site or by other means. Also, IFINANCE may collect Personal Information provided in connection with your job application submitted to IFINANCE (identification information, gender, date of birth, languages spoken, educational background, professional experience and affiliations, and any other personal information voluntarily provided in connection with your application, including through a resume or cover letter). We also keep track of your product preferences and instructions and analyze that information for the production of aggregate statistics after your Personal Information has been de-identified. Once de-identified, Your Personal Information may be combined with other de-identified Personal Information collected by us to provide aggregate statistical information about your service usage preferences. We reserve the right to access and/or disclose Personal Information where required to comply with applicable laws or lawful government requests or, in our reasonable opinion. Examples of information we may collect about you from documents,statements and other sources include:
  • Contact information and copies of personal identification cards, such as driver's license, utility bill or any other applicable document for identification and to verify signature;
  • Demographic information such as location you reside in, including address, and postal code;
  • IP address, device information including but not limited to identifier, name and type, operating system, location, mobile network information and standard web log information such as your browser type, traffic to and from our Site, the pages you accessed on our Site, and any other available information. This includes, but is not limited to, details of your purchases, content you viewed, event information, click stream information and cookies that may uniquely identify your browser or your account;
  • Self- reported income levels, housing status, employment status, credit bureau files, bank account transaction history, social insurance numbers,
  • billing information, credit card number(s) or other payment-method details;
  • Information about you from any contact you have with any of our services or employees, such as, with our customer support team, in surveys, or through interactions with our affiliates;
  • Information received on a bank statement including, but not limited to: bank information including your bank account number, bank name and address, employment and bank account transaction history;
  • Banking information to take funds out at the time of repayment of loan in the form of PAD/PAP (Pre-Authorized Debit/Pre-Authorized Payment);
  • Information about your transactions and experiences with us and our affiliates such as customer account balance, billing and payment status and history; and
  • Information we receive from consumer credit reporting agencies or other outside sources, such as information regarding your creditworthiness and credit history.


MINORS UNDER THE AGE OF 14 YEARS OLD
We do not willingly collect Personal Information concerning minors under the age of fourteen (14) years old unless we have obtained the prior valid consent of a person having parental authority or a tutor. If you have grounds to believe that we keep any such Personal Information unwillingly, our Privacy Officer so that we can make verifications and take the appropriate actions, if applicable.

YOUR CONSENT
IFINANCE will make reasonable efforts to ensure that all customers have an understanding of the purpose(s) for which Personal Information is collected, used or disclosed. IFINANCE will obtain consent to use and disclose Personal Information at the time the Personal Information is collected. IFINANCE may also obtain consent to use and disclose Personal Information after it has been collected, but prior to the Personal Information being used or disclosed for a new purpose. The collection of Personal Information is limited to that which is related to the identified purposes and is collected with your consent except what is required by law. Most Personal Information will be collected directly from customers and by fair and lawful means. IFINANCE may collect Personal Information from sources such as credit bureaus, employers, personal references, or other third parties that represent they have the right to disclose such Personal Information. Consent to the collection, use, and disclosure of Personal Information may be given by you in various ways and may be either expressed (expressed consent is given when we specifically ask you if it is acceptable to you that we gather certain information and you explicitly agree that it is; for example, orally, electronically, or on a form you may sign describing the intended uses and disclosures of Personal Information), or implied (implied consent occurs when you provide information that may be Personal Information without objection, for example, when you provide information necessary for a service you have requested, or in some circumstances where notice has been provided to you about our intentions with respect to your Personal Information and you have not withdrawn your consent for an identified purpose, such as by using an “opt-out” option). Consent may be given by your authorized representative (i.e.: legal guardian or a person having a power of attorney). As we obtain only the information necessary to assist you with the transaction you require, we operate under the understanding that you have agreed to provide us with this Personal Information voluntarily and with knowledge of this Privacy Policy whenever you do so. Consent shall not be obtained through deception. Generally, 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 as described in this Privacy Policy, if applicable, or otherwise at the time of collection. You may withdraw your consent to our collection, use, and disclosure of your Personal Information at any time, subject to contractual and legal restrictions and reasonable notice. IFINANCE may be required or permitted under statute or regulation to collect, use or disclose Personal Information without the individual’s knowledge and consent in certain circumstances. For example:
  • When the collection, use, and disclosure is permitted or required by law or to comply with a court order;
  • To comply with local, provincial, or federal regulations or a legally permitted inquiry by a government agency;
  • When the collection, use and disclosure is clearly in the interests of the individual and consent cannot be obtained in a timely manner;
  • When seeking the consent of the individual may defeat the purpose of collecting the information;
  • When needed to collect a debt owed to us, to comply with a subpoena, warrant or other court order, or as otherwise required or authorized by law; and
  • When information is publicly available.
An individual may withdraw consent at any time subject to legal or contractual restrictions and reasonable notice. Refusal or withdrawal of consent by an individual may prevent IFINANCE from providing a product or service to that individual. IFINANCE will not unreasonably withhold products or services from a customer who refuses or withdraws consent. But if the Personal Information is required to offer the product or service, IFINANCE may decline to deal with the individual who will not consent to the use of such Personal Information.

USE OF YOUR PERSONAL INFORMATION
IFINANCE will identify the purposes for which Personal Information is collected at or before the time the information is collected. This information may be communicated orally, electronically or in writing. IFINANCE collects, uses and discloses Personal Information for the following purposes:
  • To provide you financial services;
  • To evaluate your application and determine your initial and ongoing eligibility for our financial products and services;
  • To confirm your identity;
  • To confirm details of your employment and income;
  • To obtain credit information and credit reports from credit reporting agencies to assess credit history and credit worthiness and to confirm accuracy of information provided by individuals;
  • To process billing and invoices, and manage, administer, and collect your payments for products or services;
  • To maintain business records for reasonable periods and generally manage and administer our business;
  • To collect debt that may become owed to IFINANCE by you;
  • To maintain contact with you and communicate with you as permitted by law;
  • To develop, enhance, and/or provide products and services;
  • To understand, analyze, and respond to our your needs and preferences;
  • To meet legal, regulatory, security, and processing requirements, or otherwise as permitted or required by law;
  • To report account information, such as credit limit, balances and payment information, to credit bureaus;
  • To evaluate your job application and communicate with you if we wish to move forward with your job application, obtain more information related to your job application, and/or inform you of any decision we have made regarding your job application;
  • To comply with statutory, regulatory, security, and processing requirements, including federal and provincial requirements in Canada, as well as requirements from foreign sources that apply to us or any of our service providers;
  • In any other way we may describe when you provide the information; and
  • For any other purpose with your consent
Where appropriate and where you have agreed or consented to, we may use Personal Information to contact you in order to conduct research about your opinion of current services or of potential new services that may be offered by IFINANCE, or to respond by e-mail to an inquiry that you posted online. Your Personal Information may also be used by us to contact you regarding other products or services which may be of interest to you, where appropriate and where you have agreed or consented to.

DISCLOSURE OF YOUR PERSONAL INFORMATION
Accuracy 
Reasonable efforts will be made to ensure that Personal Information is as accurate, complete and up-to-date as is necessary for the purposes for which it is used. Due to the nature of IFINANCE’s business, Personal Information will be updated on an on-going basis as you utilize IFINANCE’s products and services.
Disclosure
Personal Information will not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required by law. As part of our commitment to you, we do not sell Personal information to third parties (except as described below under sale of assets). We do not disclose any non-public Personal Information about our customer, or former customers, to non-affiliated third parties except as permitted by law or described below. IFINANCE shares and stores personal and transaction information with affiliated companies of IFINANCE for the purposes listed in the identifying Purposes section above. Your Personal Information may be passed on to a third party in the event of a transfer of ownership of assets or in the event of a bankruptcy of IFINANCE or any of its affiliates or distributors. IFINANCE may also disclose your Personal Information to one or more of their respective subsidiary and parent companies and businesses, and other affiliated legal entities and businesses who are under common corporate control. However, all of the parent, subsidiary and affiliated legal entities and businesses of IFINANCE that receive your Personal Information will comply with the terms of this privacy policy with respect to their use and disclosure of such Personal Information. IFINANCE itself assumes no responsibility or liability for the privacy practices of any medical practitioner or other service provider, or merchant for whom IFINANCE is providing payment to or for procedures, products or services that IFINANCE is providing financing for; in addition, IFINANCE itself assumes no responsibility or liability for the privacy practices of any medical practitioner, service provider, or merchant in the handling of your Personal Information that they collect from you. We may disclose all of the non-public Personal Information about you that we collect, as described above, to non-affiliated companies that perform services on our behalf, such as pre-authorized payment processing, contract administration and registration, insurance tracking, third party facilities that purchase loans in whole or in part (securitization) and credit reporting agencies. Before we disclose non-public Personal Information to a non-affiliated third party performing services on our behalf, we enter into a contractual agreement with the third party that prohibits the third party from disclosing or using the information other than to carry out the purposes for which we disclosed the information or as otherwise permitted by law. Here are the categories of third parties that may receive some of your Personal Information:
Merchants: In the course of completing or partially completing a loan application with us and/or obtaining financial services from us, some of your Personal Information will be disclosed to the merchant(s) or service provider from whom you are applying to purchase services or products in connection with your application. This information may include, without limitation, your contact information and your available credit with us, even if you do not transact. The merchant may use this information to contact you.
Service Providers: We may transfer Personal Information to outside agents or service providers (for example, credit bureaus, billing service providers, collection agents, marketing agencies, or other lenders), in which case we will use contractual or other reasonable means to ensure that your Personal Information is protected and not used or disclosed for any purposes other than as directed by us. We may disclose all of the non-public Personal Information about you that we collect, as described above, to non-affiliated companies that perform services on our behalf, such as pre-authorized payment processing, contract administration and registration, insurance tracking, third party facilities that purchase loans in whole or in part (securitization) and credit reporting agencies.
Lenders: In the event we transfer your Personal Information to another lender, regardless of whether the lender extends you an offer of financial services or not and whether you accept such an offer or not, the lender may, where appropriate and where you have agreed or consented to, use your Personal Information to conduct its own marketing activities, including by emailing you. You may opt out of receiving these communications after you receive one by responding directly to the lender. We may also from time to time cooperate with suppliers, service providers, and partners for the purposes of providing you with additional services or products or for advising us on matters such as market research and data processing. Such parties will be given only the information required necessary to perform their services and are required to adhere to our privacy standards.
Financing Sources/Sale of Business: Your Personal Information may be used by us and disclosed to parties connected with the contemplated or actual financing, securitization, insuring, sale, assignment, or other disposal of all or part of our business or assets, including for the purpose of permitting such parties to determine whether to proceed or continue with such transaction, to fulfill reporting, inspection, or audit requirements or obligations to such parties. In the event that all or part of our business or assets to which your Personal Information relates is sold, assigned, or otherwise disposed of, your Personal Information will be used and disclosed by such parties for substantially the same purposes as described in this policy.
Your previous and/or current employers and institutions: In order to verify the truthfulness, accuracy, and completeness of any information provided in your job application submitted to us, and to obtain additional information we may communicate some of your Personal Information to your previous and/or current employers as well as any institutions you have attended, if necessary;
Legal/Compliance: We may otherwise disclose Personal Information as necessary to meet legal, regulatory, insurance, audit, and security requirements, or as permitted or required by law.
TRANSFERRING YOUR PERSONAL INFORMATION
We may transfer Personal Information that we collect or that you provide as described in this Privacy Policy to contractors, service providers, and other third parties we use to support our business (such as analytics and search engine providers that assist us with Site improvement and optimization) and who are contractually obligated to keep Personal Information confidential, use it only for the purposes for which we disclose it to them, and to process the Personal Information with the same standards set out in this policy. We may process, store, and transfer your Personal Information in and to a foreign country, with different privacy laws that may or may not be as comprehensive as Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your personal information through the laws of the foreign country. Whenever we engage a service provider, we require that its privacy and security standards adhere to this policy and applicable Canadian privacy legislation. You are welcome to contact us at privacy@ifinancecanada.com to obtain further information about our policies regarding service providers outside of Canada. For residents of the province of Alberta (Canada), please note that you can contact our Privacy Officer in order to obtain further details about our written policies and practices relating to service providers outside of Canada.

SECURITY AND STORAGE
Security
We operate secure data networks protected by industry standard firewall and password protected systems, and maintain physical, electronic and procedural safeguards to protect the integrity and privacy of these servers and of your Personal Information. Although we can’t guarantee that there will never be a security problem, we and our agents that have access to your information, carefully guard against the loss, misuse or alteration of the information we collect on our Site.
Storage
We store the Personal Information you provide to us in our computer databases. We own, maintain and operate our computer servers containing our databases. We use firewalls and other security measures to protect our servers. Access to your information is provided to our employees and other parties only on a need-to-know basis. Authorized employees and agents of IFINANCE who require access to your Personal Information in order to fulfill their job requirements will have access to your Personal Information. Your information may be stored by us on our own protected servers, or by other parties in electronic or physical files. Electronic files are stored on servers.
Safeguards
IFINANCE is committed to ensure that the Personal information is protected by reasonable security safeguards. In order to prevent unauthorized access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect from you. Reasonable security measures are used to the disposal of Personal Information. IFINANCE follows generally accepted industry standards to protect your Personal Information using physical, electronic, or procedural security measures appropriate to the sensitivity of the information in our custody or control, which may include safeguards to protect against loss or theft, as well as unauthorized access, disclosure, copying, use, or modification. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure; therefore, we cannot guarantee its absolute security. IFINANCE will update and review the reasonableness of the security safeguards as needed on an ongoing basis.

OUR WEBSITE AND THE INTERNET

Visiting our Website
We operate the website IFINANCE.com which provides information about your accounts, and allows you to request further information, to request customer support, or to make other inquiries. Like most websites, this Site gathers traffic patterns which may be linked to their Internet Protocol or “IP” addresses (which are unique Internet “addresses” assigned to all Internet users by their internet service providers), Site usage information, type of operating systems, time and duration of visit, and pages requested, and identify categories of visitors by items such as domains and browser types. These statistics are only collected and used on an aggregate basis in order to evaluate our visitors’ preferences and the effectiveness of our Site. This aggregate usage data does not identify you individually. We may share anonymous, aggregated statistics about visitors to our Site with others outside our company, or we may allow third-parties to collect aggregate data through our Site. Personal Information provided by you online is used to respond to your inquiries and fulfill your requests. Personal Information that you voluntarily provide in response to our online questionnaires and surveys are used to help us learn more about your interests and preferences, and may be used to send you periodic information about our products and services (if you have chosen that option).
Cookies and other features
Our Site, IFINANCE.com, makes use of cookies. Cookies are small text files offered to your computer by servers in order to keep track of your browser as you navigate the website. A cookie is a small file which asks permission to be placed on a user’s computer hard drive by a website. Once the user agrees to certain cookies, the file is added and the cookie helps analyze web traffic or lets the user know when they visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences. Cookies are also used to collect general usage and volume statistical information that does not include Personal Information. IFINANCE may use cookies to keep track of your preferences, record session information such as language preferences, develop aggregate information about website visitors’ preferences and interests, record past activity at a site in order to provide better service when you return to our Site, or customize webpage content based on your browser type or other information you provide. Some of these cookies are equipped with profiling, localization and identification functions, which are deactivated by default on our Site. You may activate these functions by toggling the switches in our Information about cookies banner, corresponding to different purposes. Please note, however, that certain cookies cannot be disabled due to their essential nature for the functioning of our Site and for our business. You can disable cookies using your internet browser’s settings or through our Information about cookies banner. Please consult your browser’s help function for information on how to disable cookies. Note: if you disable certain cookies, certain features of our website may not function properly. Our website may also use a technology called “tracer tags” or “web beacons”. This technology allows us to understand which pages you visit on our website. These tracer tags are used to help us optimize and tailor our website for you and other future visitors to our Site. IFINANCE may use the services of third-party companies to place cookies on your computer to collect Personal Information and non-personally identifiable information to compile aggregated statistics for us about visitors to our Site. We may also use third parties to serve our advertisements on our Site and other websites. These companies may use cookies, tracer tags or web beacons to report certain information about your visits to our website and other websites (such as web pages you visit and your response to ads) in order to measure the effectiveness of our marketing campaigns and to deliver ads that are more relevant to you, both on and off our website. You can opt-out of interest-based ads from Google by visiting https://www.google.com/settings/ads. Our Site also contains electronic images known as Web beacons (sometimes called single-pixel gifs) and are used along with cookies to compile aggregated statistics to analyze how our Site is used and may be used in some of our emails to let us know which emails and links have been opened by recipients. This allows us to gauge the effectiveness of our customer communications and marketing campaigns. Our Site may include links to other websites that are provided as convenience only and whose privacy practices and policies may differ from those of IFINANCE and, accordingly, we have no responsibility for such third-party websites. When you submit Personal Information to any of those sites, their information is governed by third party privacy statements. We encourage you to carefully review the privacy statements and policies of any third-party websites they visit.

COMMUNICATIONS
Text message communications
We may contact you by SMS text using the telephone number you have provided to us to verify your identity, provide you with links to apply for a loan, or notify you of payment transactions. Any information you provide by text will be handled by us in accordance with the terms of this Privacy Policy.
Telephone communications
Your telephone conversations with our authorized employees and representatives may be monitored and/or recorded for quality control, internal training and recordkeeping purposes. We, and our affiliates and third parties with whom we share your Personal Information in accordance with this Privacy Policy, may contact you by telephone using the telephone number you have provided to us.
 Access to Your Personal Information
We will advise you on request about what Personal Information we have collected about you, as well as how it has or will be used. If you provide a written request for this information, we will provide it to you within a reasonable time following confirmation of your identity and may charge a reasonable cost (e.g. photocopying, mail charges) to the individual making the request, according to the applicable law of the province of residence where you are located. We will inform you whether or not we hold Personal Information about you and, when possible, the source of the Personal Information, its use, and any parties to whom it may have been disclosed. You may be required to provide sufficient proof of your identity at this time to ensure the safety and security of the Personal Information we hold and that it is provided to individuals in accordance with this Privacy Policy. We reserve the right to decline to provide access to your Personal Information, according to the applicable law of the province of residence where you are located.
Rectification of your Personal Information
You can also make a request for the rectification of your Personal Information, you may send us a rectification request regarding your Personal Information in the following circumstances: (i) your Personal Information is inaccurate, (ii) your Personal Information is incomplete (iii) your Personal Information is ambiguous (iv) the collection, disclosure or retention of your Personal Information was not authorized by law. You may also ask us, in a rectification request, to destroy any Personal Information collected or retained if the collection, disclosure, or retention of your Personal Information was not authorized by law. To make a rectification request, you can send a written request to our Privacy Officer.
Withdrawing or Varying Consent
: You have the right to withdraw or vary your consent to the disclosure or use of your Personal Information that we hold. In such cases, you will be informed of the consequences resulting from or that may result from any variation or withdrawal of consent before it takes effect, in order to allow you to make an informed decision. Any request to withdrawal or vary your consent must be addressed to our Privacy Officer.
Cease Publishing or (De)Index a Hyperlink
: Any concerned individual has the right to request that we stop publishing Personal Information about them or that any hyperlink associated with their name, allowing access to Personal Information about them through technological means, be de-indexed or re-indexed, all in accordance with the conditions provided under applicable legislation. Any request to exercise your right of de-indexation must be addressed to our Privacy Officer.  

ADDITIONAL INFORMATION FOR RESIDENTS OF THE PROVINCE OF QUEBEC (CANADA)
This section of our Privacy Policy applies only to residents of the province of Quebec (Canada) and supplements the information above. All capitalized terms not otherwise defined in this section shall have the meanings set forth in the Act respecting the protection of personal information in the private sector (RLRQ, c. P-39.1) (the “ Quebec Private Sector Act”). This Privacy Policy is a confidentiality policy within the meaning of this expression under section 8.2 of the Quebec Private Sector Act.
Transferring Your Personal Information
Communication Outside of the Province of Quebec. There is possibility that your Personal Information will be communicated outside of the province of Quebec to the categories of third parties listed above. Before communicating your Personal Information outside of the province of Quebec, we will conduct a privacy impact assessment in compliance with the Quebec Private Sector Act. Your Personal Information will only be communicated outside of the province of Quebec if the privacy impact assessment establishes that it would receive adequate protection, in particular in light of generally recognized principles regarding the protection of Personal Information. If you are a resident of the province of Quebec (Canada), you have the following additional rights regarding your Personal Information :
  • The right to receive communication (or to ask that communication is made to a third party) of your computerized Personal Information that we keep (except for computerized Personal Information that was created or inferred), in a structured and commonly used technological format, provided that the exercise of this right does not cause us serious practical difficulties.


COMPLAINTS AND CONTACT INFORMATION
Contacting us or filing a complaint regarding the protection of Personal Information: We may establish and maintain a file of your Personal Information for the purposes described above. If you wish to obtain information about our privacy policies or the privacy practices of IFINANCE CANADA or its affiliated companies, or if you would like to inquire about our methods regarding the collection, use, storage, or disclosure of your Personal Information, or if you wish to file a complaint, please contact us by phone, mail, or email using the following contact information: Attention: Privacy Officer Email: privacy@ifinancecanada.com
Address: iFinance Canada 501-160 Bloor East Street Toronto, ON M4W 1B9
Phone: 1 888 689-9876
Fax: 1 888 689-9862 Your right to access or correct your Personal Information is subject to applicable legal restrictions.  

POLICY CHANGES
We reserve the right to change our Privacy Policy from time to time, for example, by altering our policy on sharing Personal Information. If we change our privacy practices, we will take reasonable measures to notify affected individuals of these changes in advance. If our Personal Information practices change at some time in the future, we will post the policy changes on our website to notify you of these changes and provide you with the ability to opt out of any new nonessential uses or disclosures of Personal Information. If we keep your email address, we will also use it to send you a copy of the notice of amendment for your review. The content of the notice of amendment will come into force fifteen (15) days after its dissemination on our website, unless a shorter delay is justified in the circumstances. If you are concerned about how your Personal Information is used, you should check our website periodically or contact us as described above to obtain a current copy of this policy. Be sure to check this page periodically for updates.