PRIVACY STATEMENT

PINBank Group Inc., together with its related companies and affiliates (collectively “PINBank”) is committed to the highest standards of protection for the personal information and privacy of its customers. As part of this commitment, PINBank has adopted a privacy policy in line with the requirements of the Personal Information Protection and Electronic Documents Act. By accessing this website and/or engaging the services of PINBank, the user expressly consents to the collection, use and/or disclosure of personal information in accordance with the PINBank Privacy Policy which may be viewed by clicking on the indicated link.

PRIVACY POLICY

Collection of Personal Information:

Personal information that is collected by PINBank includes information about an identifiable individual such as the individual's name, address, e-mail and telephone number as well as their financial information (like account or credit card numbers). Although personal information will be predominately collected from the individual, personal information may also be obtained with the consent of the individual from other sources (i.e. credit bureaus, financial institutions, etc). Nevertheless, any information obtained from such other sources will be subject to PINBank's privacy policy as if the information originated from the individual him/herself. General contact information is used to send products, information, fulfill orders or get in touch with users, if necessary, to solve problems. Financial information is used to check the user's qualifications and bill the user for products and services ordered by the user.

(a) Linked Sites and Affiliates:

Personal information collected from PINBank's affiliates, agencies and related institutions may also be combined with information obtained online at PINBank's website or at any of PINBank's customer service centers. Personal information collected may also be transferred both domestically and internationally to enable PINBank to more effectively manage its customer information and to provide more efficient service tailored to the unique needs of its customers.

b) "Cookies":

PINBank uses "cookies" to electronically collect information about the individuals who access the PINBank website. Information collected via "cookies" includes the response rate to banners that appear on our site, the service provider of the individuals accessing the site as well as their browser type (e.g. Netscape, Explorer, etc), and other statistical information regarding your usage of our services. Such information allows PINBank to assess the effectiveness of certain promotions and special offers available on the PINBank website and to further accommodate the site to better suit the needs of the individuals who use it and help us improve the services available.

Use of Personal Information:

(a) By PINBank:

Personal Information collected by PINBank will be used to deliver services provided by PINBank to its customers, verify customer identity, ensure proper billing information and measure customer interest in various services. Personal information may also be used by PINBank or its affiliated or related companies to contact the customer regarding customer service issues, surveys, marketing or about special offers or promotions that may interest the customer.

PINBank may use customer identifiable information to investigate and help prevent potentially unlawful activities that threaten the integrity of service or the network, or otherwise violate PINBank’s terms and conditions.

Except as provided herein, PINBank will not collect, use or disclose any personal information without first obtaining the consent of the individual customer to such collection use and disclosure. PINBank will make every reasonable effort to ensure that the individual is advised of the purposes for which the personal information will be used. Further, PINBank will only use the personal information for the purposes for which it was originally collected.

Except as provided herein, PINBank will never use personal information collected for a purpose other than the one under which it was originally collected without first obtaining consent of the individual for such alternate use. Furthermore PINBank will not release any personal information of a sensitive nature (i.e. gender, race, nationality, etc.) without the express consent of the individual to such release.

(b) Disclosure to Third Parties:

Except as provided herein, PINBank will not share the personal information of its customers with third parties except where such disclosure is consented to and except where such disclosure is necessary in responding to the customer's request for products or services. In such cases and where ever possible PINBank will request consent to third party disclosure at the time the personal information is collected.

(c) Disclosure required by law or under special circumstances:

PINBank will access, collect and/or disclose personal information where required to do so by law pursuant to a search warrant, court order or other valid legal request, or under special circumstances where there exists a good faith belief that such access, collection and/or disclosure are warranted. Examples of such special circumstances of collection and disclosure include medical or security reasons. PINBank may also disclose personal information to collection agencies for the purposes of collecting on accounts owing to PINBank.

Control of Personal Information and withdrawing Consent:

Any individual may withdraw consent at any time, subject to legal or contractual restrictions and reasonable notice. The individual will be informed of the implications of such withdrawal on services provided by PINBank or its affiliates as applicable.

Accuracy of and Access to Personal Information:

PINBank strives to keep the personal information of its customers accurate, up-to-date and complete for the purposes for which it is to be used. In this regard PINBank customers can access their personal information at any time by contacting PINBank's Customer Service and submitting a written request for such access. PINBank will provide the individual with particulars as to the disclosure of his/her personal information and shall provide the individual with access to that information. The individual will be able to challenge the accuracy and completeness of the information and have it amended as appropriate.

To gain access to personal information held by PINBank the individual making the request will be required to provide sufficient information to permit PINBank to provide an account of the existence, use and disclosure of the personal information. In particular, verification of identity by user identification or password will be required before access to personal information is granted.

Safeguards for Protection of Personal Information:

Protection of personal information is of paramount importance to PINBank. As such PINBank has implemented security safeguards to protect personal information against loss, theft, and unauthorized access, disclosure, modification or use. Such safeguards include:

       restricted access to offices and records;

       security clearance measures and limited access on a "need-to-know" basis; and

       use of passwords and encryption for access to records;

Access to personal information by PINBank employees is restricted to that which is necessary to perform their duties. PINBank employees are aware of the importance of maintaining the confidentiality of personal information and are committed to that end.

Any personal information collected by PINBank shall be retained only as long as necessary for the fulfillment of the purpose for which it was collected. Personal information that is no longer required to fulfill the identified purpose will be destroyed, erased or made anonymous. PINBank will take all reasonable care in the destruction of or disposal of personal information to prevent unauthorized parties from gaining access to the information.

Children

We do not provide content on our Websites which are intended to attract or encourage the participation of children. We do not solicit or knowingly accept information from persons under the age of 18.

Complaints and Enforcement of Privacy Statement:

As part of PINBank's commitment to protection of its customers' personal information and privacy, PINBank welcomes comments, concerns and feedback regarding its adherence to its Privacy Statement. PINBank is committed to addressing and resolving in a timely manner any complaints or inquires about our policies and practices relating to the handling of personal information. Accordingly, any complaints or inquires should be directed to:

By mail:
PINBank Group  Inc.
180 West Beaver Creek Road

Richmond Hill, Ontario L4B 1B4 Canada.

 

All complaints received by PINBank will be investigated and if justified, PINBank will take the appropriate measures, including if necessary, amending its policies and practices, to resolve the complaint.

 

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