Accountability We will maintain and protect the personal information under our control. We have designated an individual or individuals who is/are accountable for compliance with the Principles.
Identifying Purposes The purposes for which personal information is collected by us will be identified to you before or at the time the information is collected.
Consent Except where required or permitted by law your informed consent is required for our collection, use or disclosure of your personal information.
Limiting Collection The personal information collected by us shall be limited to those details necessary for the purposes identified to you.
Limiting Use, Disclosure and Retention We will only use or disclose your personal information in accordance with the purposes for which it was originally collected unless you have otherwise consented, or when it is required or permitted by law. We will retain your personal information only for so long as is required to fulfill the purpose for which it was collected or as required by law.
Accuracy We shall make every reasonable effort to ensure your personal information is maintained in an accurate, complete and up-to-date form.
Safeguarding Customer Information We shall utilize no less than industry standards security safeguards to protect your personal information.
Openness If you would like a copy of our privacy policies we would be more than happy to provide one to you and if you have any questions regarding same, we are more than happy to discuss the merits with you.
Customer Access Upon your request, we shall inform you of: (i) the type of personal information we have collected; (ii) how we have used your personal information in the past, and how we may in the future; and (iii) whether or not we have disclosed your personal information to any third parties (and, if so, to whom). Individuals may verify the accuracy and completeness of their personal information, and may request that it be amended, if appropriate. Please note that before we are able to provide you with any information or correct any inaccuracies we may ask you to verify your identity and to provide other details to help us to respond to your request.
Handling Customer Complaints and Suggestions Customers may direct any questions or enquiries with respect to the Principles or about our information handling practices by contacting: Canadian Home Improvement Credit Corporation 2475 Skymark Ave, Suite 5 Mississauga, ON L4W 4Y6 Phone: 1-888-501-4666 Fax: 1-888-491-3336
Why We Gather Personal Information: At CHICC, we gather and use personal information for credit adjudication, statistical purposes, collection of accounts receivable and reporting to various credit reporting agencies such as credit bureaus. We also use the personal information you have provided to us to communicate with you and safeguard your interests. We will send you important notices, and respond to any special needs or enquiries you may have. We may also send you information about other products and services in which we believe you may be interested. We only use personal information for the purposes that we have disclosed to you. If for any reason your information is required to fulfill a different purpose, we will obtain your consent before we proceed.
Types of Information We Collect: The type of personal information we may ask for depends on and is related to the reason (or purpose) such personal information was provided to us. The following is a description of the type of personal information that we may ask for: Name and address, date of birth, contact information such as telephone numbers, e-mail address, bank information including bank name, transit and account number, mortgage holder, location, credit reporting The choice to provide us with your personal information, either directly or through a third party, is always yours. However, your decision to withhold particular information may result in limiting our ability to provide you with the services or products you requested.
How We Collect Such Personal Information We may gather such personal information from you in person, over the telephone or by corresponding with you via mail, facsimile, the Internet, or from third parties who have your authority to disclose such personal information to us. WHILE WE TRY TO ENSURE THAT EVERY THIRD PARTY WHO DISCLOSES PERSONAL INFORMATION TO US HAS YOUR CONSENT TO DO SO, IF YOU BELIEVE THAT A THIRD PARTY HAS INAPPROPRIATELY DISCLOSED YOUR PERSONAL INFORMATION TO US, PLEASE CONTACT THAT THIRD PARTY. IF THEY DO NOT ADEQUATELY RESPOND TO YOUR INQUIRIES, PLEASE LET US KNOW IMMEDIATELY. For purposes of maintaining quality service, calls to our customer service lines may be recorded. A recorded message given prior to your call being answered will let you know if your call may be the subject of our random call recording quality assurance program.
CHICC’s Website: www.chicc.ca When you visit our web site, information is not collected that could identify you personally unless you choose to provide it voluntarily. You are welcome to browse the Web site at any time anonymously and privately without revealing any personal or financial information about yourself.
Our Employees and your Personal Information: In the course of daily operations, access to private, sensitive and confidential information is restricted to authorized employees who have a legitimate business purpose and reason for accessing it. For example, when you call us, our designated employees will access your information to verify who you are and to assist you in fulfilling your requests. As a condition of their employment, all employees of CHICC are required to abide by the privacy standards we have established. Employees are informed about the importance of privacy. Unauthorized access to and/or disclosure of personal information by an employee of CHICC is strictly prohibited. All employees are expected to maintain the confidentiality of personal information at all times and failing to do so will result in appropriate disciplinary measures, which may include dismissal.
How We Safeguard Your Information: We use industry standard technologies and maintain current security standards to ensure that your personal information is protected against unauthorized access, disclosure, inappropriate alteration or misuse. Electronic customer files are kept in a highly secured environment with restricted access. Paper-based files are stored in locked filing cabinets. Access is also restricted. We manage our server environment appropriately and our firewall infrastructure is strictly adhered to. Our security practices are reviewed on a regular basis and we routinely employ current technologies to ensure that the confidentiality and privacy of your information is not compromised. When you call our customer service centre you will be required to verify your identity by providing some personally identifying information as well as your contract number.
Accessing and Amending Your Information: You have the right to access, verify and amend the information held in your personal files. You may access and verify any of your information by calling our customer service telephone number at 1-888-501-4666 during normal business hours.
To help us keep your personal information up-to-date, we encourage you to amend inaccuracies and make corrections as often as necessary. Despite our efforts, errors sometimes do occur. Should you identify any incorrect or out-of-date information in your file(s), we will make the proper changes. Where appropriate, we will communicate these changes to other parties who may have unintentionally received incorrect information from us.
Questions, Concerns and Complaints: If you have a question about the privacy policies stated on this site, please call us at 1-888-501-4666. If you have a concern or complaint about privacy, confidentiality or our personal information handling practices at CHICC, our employees or service suppliers, please contact: Canadian Home Improvement Credit Corporation. Privacy Officer 2475 Skymark Ave, Suite 5 Mississauga, ON L4W 4Y6 Phone: 1-888-501-4666 Fax: 1-888-491-3336 Before we are is able to provide you with any information or correct any inaccuracies, however, we may ask you to verify your identity and to provide other details to help us to respond to your request. We will endeavor to respond within an appropriate time frame.