INTRODUCTION BrainFinance (9179186 Canada Ltd.) and our affiliates and subsidiaries ("Company" or "We") respect your privacy and are committed to protecting it by complying with this policy.
This policy describes: · How we collect, use, disclose, and protect the personal information of our current and prospective customers, service providers (and their employees and representatives), visitors to the Company’s office and website users ("you"). · Describes the types of information we may collect from you or that you may provide when you visit the website brainfinance.com (our "Website"). · Our practices for collecting, using, maintaining, protecting, and disclosing that information.
We will only use your personal information in accordance with this policy unless otherwise required by applicable law. We take steps to ensure that the personal information that we collect about you is adequate, relevant, not excessive, and used for limited purposes. Privacy laws in Canada generally define "personal information" as any information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person. Personal information does not include business contact information, including your name, title, or business contact information.
Please read this policy carefully to understand our policies and practices for collecting, processing, and storing your information. If you do not agree with our policies and practices, your choice is not to use our Website. By accessing or using this Website, you indicate that you understand, accept, and consent to the practices described in this policy. This policy may change from time to time. Your continued use of this Website after we make changes indicates that you accept and consent to those changes, so please check the policy periodically for updates.
INFORMATION WE COLLECT ABOUT YOU We collect and use several types of information from and about you, including: · Personal information, that we can reasonably use to directly or indirectly identify you, such as your name, mailing address, e-mail address, telephone number, Internet protocol (IP) address used to connect your computer to the Internet, user name or other similar identifier, and any other identifier we may use to contact you ("personal information"). · Non-personal information, that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as associations, distances, comparison between available data sources, demographic information, or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specificWebsite feature. · Technical information, including your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your internet connection, the equipment you use to access our Website, and usage details.
HOW WE COLLECT INFORMATION ABOUT YOU
Information You Provide to Us
The information we collect directly from you on or through our Website may include: · Information that you provide by filling in forms on our Website. We may also ask you for information when you report a problem with our Website. · Records and copies of your correspondence (including email addresses), if you contact us.
HOW WE USE YOUR INFORMATION
We use information that we collect about you or that you provide to us, including any personal information: · To operate, provide and maintain our services and the Website and its contents to you. · To provide you with information, products, or services that you request from us. · To fulfill the purposes for which you provided the information or that were described when it was collected, or any other purpose for which you provide it. · To carry out our obligations and enforce our rights arising from any contracts with you, including for billing and collection or to comply with legal requirements. · To notify you about changes to ourWebsite or any products or services we offer or provide through it. · To improve, enhance, modify, add to and further develop our Website, products or services, marketing, or customer relationships and experiences. · To measure or understand the effectiveness of the advertising we serve to you and others, and to deliver relevant advertising to you. · To investigate any misuse of our Website or services, including violations of our security policies, criminal activity, or other unauthorized accesses. · In any other way we may describe when you provide the information. · For any other purpose with your consent.
We may use the information we have collected from you to enable us to display advertisements to our advertisers' target audiences. Even though we do not disclose your personal information for these purposes without your consent, if you click on or otherwise interact with an advertisement, the advertiser may assume that you meet its target criteria.
DISCLOSURE OF YOUR INFORMATION
We may also 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(including your loan and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this policy.
You acknowledge and agree that your personal information may be transferred for processing from your current location to the offices and servers of the Company and authorized third parties referred to herein that may be located outside Canada, such as, without limitation, in the United States and the Philippines.
TRANSFERRING YOUR PERSONAL INFORMATION
We may transfer personal information that we collect or that you provide as described in this 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 Website 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, including the United States of America and the Philippines, 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. By submitting your personal information or engaging with the Website, you consent to this transfer, storage, or processing. DATA SECURITY
The security of your personal information is very important to us. We use physical, electronic, and administrative measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. We store all information you provide to us behind firewalls on our secure servers. The safety and security of your information also depends on you. Where we have given you (or where you have chosen) a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone. Unfortunately, the transmission of information via the Internet is not completely secure.Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
Except as otherwise permitted or required by applicable law or regulation, we will only retain your personal information for as long as necessary to fulfill the purposes we collected it for, including for the purposes of satisfying any legal, accounting, or reporting requirements. Under some circumstances we may anonymize your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent.
CHILDREN UNDER THE AGE OF 13
Our Website is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Website. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this Website or on or through any of its features/register on the Website, or provide any information about yourself to us, including your name, address, telephone number, email address, or any screen name or username you may use. If we learn we have collected or received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child under 13, please contact us at firstname.lastname@example.org
ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION
It is important that the personal information we hold about you is accurate and current. 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. You also have a right to access the personal data belonging to you that is under our control subject to any legal restrictions or rights of refusal. Such a request for access must be made in writing stating the details of the personal data you are requesting to the Company’s Privacy Officer at Brain Finance, 1751 Rue Richardson, Suite 1.100, Montréal, QC H3K 1G5. To ensure we disclose information to you only, with your request please include photocopies (front and back) of two (2) pieces of government issued identification so that we may verify your identity. We may charge you a fee to access your personal information, however, we will notify you of any fee in advance. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect. We may request specific information from you to help us confirm your identity and your right to access, and to provide you with the personal information that we hold about you or make your requested changes. Applicable law may allow or require us to refuse to provide you with access to some or all of the personal information that we hold about you, or we may have destroyed, erased, or made your personal information anonymous in accordance with our record retention obligations and practices. If we cannot provide you with access to your personal information, we will inform you of the reasons why, subject to any legal or regulatory restrictions. We will provide access to your personal information, subject to exceptions set out in applicable privacy legislation. Examples of such exceptions include: · Information protected by solicitor-client privilege. · Information that is part of a formal dispute resolution process. · Information that is about another individual that would reveal their personal information or confidential commercial information. · Information that is prohibitively expensive to provide.
If you are concerned about our response or would like to correct the information provided, you may contact our Privacy Officer at email@example.com.
WITHDRAWING YOUR CONSENT
Where you have provided your consent to the collection, use, and transfer of your personal information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, contact us at firstname.lastname@example.org. Please note that if you withdraw your consent, we may not be able to provide you with a particular product or service. We will explain the impact to you at the time to help you with your decision.
Please contact us at: Privacy Officer, Brain Finance, 1751 Rue Richardson, Suite 1.100, Montréal, QC H3K 1G5
or via email at email@example.com
We have procedures in place to receive and respond to complaints or inquiries about our handling of personal information, our compliance with this policy, and with applicable privacy laws. To discuss our compliance with this policy please contact our Privacy Officer using the contact information listed above.