Privacy Policy

MoneyFactor recognizes your right to privacy and is strongly committed to protecting the privacy of all visitors to our website. The intent of this Privacy Policy is to clearly describe to visitors to the MoneyFactor website our privacy practices regarding the collection, use or disclosure of information (including both personal and aggregate information) from visitors to our website.

Your Consent

By using our website, you consent to the collection, use and disclosure of your information by MoneyFactor in accordance with the terms of our Privacy Policy. If we change our Privacy Policy, we will post those changes on this page so that you are always aware of what information we collect, how we use it, and under what circumstances we disclose it. Any changes to our Privacy Policy will be effective immediately following the posting of such changes to this website. You agree to review our Privacy Policy from time to time and agree that any use by you of this website after changes to our Privacy Policy shall constitute your acceptance of all such changes. This Privacy Policy was last modified on October 27 2012.

Information of a Non-Personal Nature

As a general policy, with the exception of IP addresses, no personal information is automatically collected from visitors to the MoneyFactor website. MoneyFactor does gather and analyse IP addresses and certain information of a non-personal nature regarding website usage by visitors to our website (also known as “clickstream data”). Such information can include the date and time of the visit to our website, the pages accessed and documents downloaded, the previous website visited or the next website you visit after ours, and the type of browser used to access our website. Such data is used in an aggregate form to assist us in determining general usage patterns and to administer, diagnose problems with, and fine tune the layout of our website. We may share non-personal, summary, or aggregate visitor data with partners and other third parties at our discretion.

Cookies

MoneyFactor uses ‘cookies’ to store and sometimes track information about your use of our website. A cookie is a small file that is sent to your browser from a web server and stored on your computer. In addition to improving the general layout of the website, cookies allow us to customize our website to each visitor’s individual preferences, as well as keep track of the ordering of products or services from our website. Although most web browsers automatically accept cookies, you can usually change your browser to prevent you from receiving cookies or to notify you whenever you are sent a cookie so that you may decide whether or not to accept it. You are free to decline our cookies if your browser permits, although you may be required to re-enter your password more frequently and may not be able to use certain features or access certain products and services on our website if you do.

Collection, Use and Disclosure of Personal Information

MoneyFactor only collects personal information from visitors who voluntarily and knowingly provide us with such information. While you are not required to provide us with personal information in order to access our website, some features of the website, as well as the products and services on our website, may not be accessible to all visitors without some form of registration and disclosure of personal information.

We shall only collect the personal information of visitors to our website with prior notification and limited to those details and for the duration necessary to fulfill the purposes of collection we have disclosed to you in our Privacy Policy or at the time we collect such information. We shall use all commercially reasonable efforts to protect your personal information with appropriate safeguards and security measures. We may use personal information you provide to us for feedback, administrative notices, new product offerings or other communications relevant to your use of our website or services. We may use personal information you provide to us for other fully disclosed purposes to the extent such use by us is explained to you when the information is voluntarily and knowingly provided to us.

We will not give, sell, rent, or loan any of your personal information to any unrelated third party (with the exception of third parties performing functions on our behalf who have an obligation to keep your information completely confidential or a third party who acquires our business) unless you have authorized us to do so.

MoneyFactor reserves 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, to operate our website properly and securely, or to protect MoneyFactor or other visitors to this website. To the extent reasonably possible in our sole opinion, we shall attempt to obtain the prior consent of the individual to whom such personal information relates prior to disclosure to third parties.

Confidentiality and Transmissions over the Internet

The transmission of information through the registration area of our site may be protected by encryption in order to prevent unauthorized access to personal information. However, the transmission of data or information (including communications by e-mail) over the Internet or other publicly accessible networks is inherently insecure, and is subject to possible loss, interception or alteration while in transit. Accordingly, we do not assume any liability for any damage you may experience or costs you may incur as a result of any transmissions over the Internet or other publicly accessible networks, such as transmissions involving the use of your password for our website or the submission of any of your information us (including your personal information). While we shall take commercially reasonable efforts to safeguard the privacy of any personal information you provide us and treat such information in accordance with this Privacy Policy, in no event will the information you provide to us result in any liability to you on our part in the event that such information is inadvertently released by us or accessed by third parties without our consent. Notwithstanding the foregoing, to the extent that you are able to access the information of third parties through our web site, we do not grant you any right or license to use such information.

Accessing and Updating Your Personal Information

If you wish to access or change any of your personal information we have on file in our records, other than that available to you and capable of being modified online, you may contact our privacy officer as noted at the bottom of this page. We will endeavor to keep the personal information you provide us accurate and up-to-date to the extent we are notified of any changes by you. You can assist by keeping us informed of any changes, or informing us if you find any errors in our information about you.

Third Party Websites

Links or pointers to other websites and references to products and services offered by third parties are provided to you for convenience only and do not constitute an endorsement or approval by us of the organizations that operate such websites, the content on such websites, or of such third party products and services. In particular, you should be aware that such third party websites may collect data or solicit personal information from you. As we do not control such websites, we are not responsible for their privacy policies, or for the collection, use or disclosure of any data or personal information such websites may collect.

Your Comments and Contacting Our Privacy Policy

We respect your concerns about your personal privacy and welcome your feedback. If you have questions, comments or concerns about our Privacy Policy, please contact our Privacy Manager by email at info(at)moneyfactor.ca.