Protecting Your Privacy

PRIVACY RULES

Our privacy promise describes in clear language how Business Development Centre ensures the protection of the personal information you entrust to us.

Please read this document carefully, not because anything in it is difficult to understand, but because we want you to know that Business Development Centre protects your personal information. As you read you will come across certain specialized words, Industry Terms. We have underlined these words and provided definitions to make sure everything is perfectly clear. Simply go to the back and look under our “Industry Terms, and what they mean ” box.

We view our Privacy Promise not just as legal obligation.
When you became an Business Development Centre client, you shared important personal information with us. You did this so we serve you better and knowing we would honor and respect your privacy. Your trust was not misplaced. At Business Development Centre we are committed to offering you superior products and services, so it should come as no surprise that we are also committed to meeting the privacy standards applicable to you.

Let’s be perfectly clear. What is “personal information”?
“Personal information” is information about an identifiable individual, but does not include the name, title or business address or telephone number of an employee of an organization.

What information are we responsible for protecting?
Business Development Centre is responsible for protecting your personal information in its possession or custody, including personal information that has been transferred to, or received from, a third party in the course of commercial activities for processing or other purposes for which you have consented.

Collecting, using and disclosing your personal information. Why do we do it?
We collect, use and disclose personal information for one reason: to serve you better. Knowing you better helps us understand your business and financial needs, communicate effectively with you, and provide you with the services and products you want.

Let’s be specific. We collect, use and disclose your personal information to:

• verify your identity;
• determine your eligibility for Business Development Centre products and services, and for products and services that may be of interest to you from organizations with whom we have strategic alliances, and to offer these products and services to you;
• detect and prevent fraud;
• compile statistics, conduct market research and report to regulatory and industry agencies;
• comply with the law; or
• comply with tax requirements.

Personal information may be collected, used or disclosed for any of these “Identified Purposes” set out above. If your personal information is not needed for one of the Identified Purposes, we will not use or disclose it without obtaining additional consent from you.

How do we gather your personal information?
The collection, use and disclosure of your personal information depend on how you do business with us. We may gather information from the following sources:

• from you, on application for our products and services, or on other forms filled out through telephone, e-mail or face-to –face interviews; for example your name, address, telephone number, e-mail address, occupation, financial
  and tax information;
• from your interactions with us;
• from government and other entities, that have information related to your account with us; or
• from consumer reporting agencies; for example your credit history.

What you are committing to when you share personal information with us.
If you provide personal information to us or through any of the previously mentioned sources, you do so with the understanding that your personal information may be used or Business Development Centre may verify such information, or obtain additional personal information about you by checking with government agencies, credit bureaus, motor vehicle agencies and other fact collecting and verifying entities to assist us for the identified Purposes.

You consent.
Your knowledge and consent are required before we may collect, use or disclose your personal information, except in special circumstances, such as during a fraud investigation, an investigation by the police, or in situations otherwise permitted by the law.

How do you provide us with your consent?
We accept any of the following as your consent for Business Development Centre existing use and future collection, use and disclosure of your personal information for the identified Purposes:

• your receipt of this Personal Information Policy, unless you advise Business Development Centre in writing, that you do not agree with the terms stated in this Policy, and that you wish to opt out of all or portions of it;
• your unrestricted provision of information to Business Development Centre either directly or through agents, or financial services representatives;
• your express written or oral consent as obtained through completion of an application form for any of our products and services; or
• your consent as provided by your authorized representative, such as a legal guardian or power of attorney.

In some circumstances, your consent may be implied. For instance:
· if you order products and/or services for your family, or anyone else, you represent that you have obtained consent from them, even though they might not be present during the application process, to the collection, use and disclosure of their personal information for the Identified Purposes.

You have the power to say no. How you can withdraw your consent.
You may withdraw your consent at any time upon reasonable notice, subject to legal or contractual restrictions. Please note, however, that withdrawing your consent may affect our ability to continue to provide you with the products and services that you have or would like to receive.

To withdraw your consent, you should contact our Privacy Officer at the address or telephone number listed. Unless we hear otherwise from you, you are giving to us your consent for the collection, use and disclosure of personal information as provided in this Policy for the Identified Purposes.

How long do we keep your personal information?
Your personal information is retained only as long as we need it to effectively provide products and services to you, and for a reasonable length of time thereafter in case we need to meet any potential obligations or legal or government requirements. Business Development Centre shall use care when storing or destroying your personal information in order to prevent unauthorized access.

How do we protect your personal information?
Whether in electronic or paper- based format, Business Development Centre maintains strict security systems to safeguard your personal information from unauthorized access, disclosure or misuse. As well, when we no longer need your personal information, we take as much care to destroy it as we do when storing it.

In the event that we transfer your personal information to a third party for processing (for example, when printing cheques, managing claims and client statements, or for data processing), we contractually require any person or organization providing products or services on our behalf to protect our customers’ confidentiality in a manner consistent with our own internal measures, or as required by law.

Your right to access your personal information.
You have a right to access your personal information that we have in our possession or control. You also have a right to know which third parties have received your information from Business Development Centre

How do you access your personal information?
Please make your request in writing to Business Development Centre Privacy Officer, stating as specifically as possible which personal information you are requesting.

We will try to respond to such requests as soon as possible, and will advise you if for some reason we cannot respond right away. Business Development Centre may charge you a reasonable fee for providing access to your personal information, but only after first advising you of the approximate cost.

In providing you with a list of the organizations to whom we have disclosed any of your information, we will try to be as precise as possible. When it is not possible to provide an exact list of such organizations to which we have disclosed your personal information, Business Development Centre shall provide a list of organizations to which we may have disclosed the information.

BUSINESS DEVELOPMENT CENTRE has the right to refuse your request for access to personal information if:

• the information is protected by solicitor-client privilege;
• granting access would reveal confidential commercial information;
• doing so would reasonably be expected to threaten the life or security of another individual;
• the information was collected for purposes related to the detection and prevention of fraud;
• the information was generated in the course of a formal dispute resolution process; or
• the information would likely reveal personal information about another individual.

Keeping your information accurate. Business Development Centre strives to ensure that the personal information we have on file about you is as accurate and up-to-date as necessary for the Identified Purposes for which it is to be used. If any information needs to be updated or amended to reflect a change in your situation, we make every effort to update our records. Business Development Centre shall amend personal information that is materially inaccurate or incomplete and, where appropriate, shall endeavor to advise other parties having access to the information in question

How to contact us.
Direct any queries about this Policy to Business Development Centre Privacy Officer at the telephone, e-mail address, or mailing address listed below.

For more information, to file a complaint, to make enquiries, or to opt out of all or parts of this Policy, please contact Business Development Centre Privacy Officer:

BUSINESS DEVELOPMENT CENTRE
PRIVACY OFFICER

ADDRESS
800 Steeles Ave. W. Suite # B10155
Thornhill, Ontario L4J 7L2
TEL. NO. 416-226-2921
FAX NO. 416-226-0013
E-MAIL Info@bdc-canada.com

If you have a complaint, we want to know about it.
If you have a complaint related to this Personal Information Policy or any of our procedures, contact our Privacy Officer. If your complaint is justified, we will take the steps necessary to resolve the issue, including amending our Policy and practices, if necessary.

Industry terms, and what they mean.

Power of attorney…The authority given to one person or corporation to act on behalf of another person or corporation in legal and financial matters

Third party….Person other than you who is involved in a transaction.

About this document.

This Personal Information Policy spells out the responsibility of the Business Development Centre (“we”,”our”,”us”), and your rights as our applicant, customer, former customer or claimant (“you” or “your”), regarding the collection, use and disclosure of your personal information.

This Personal Information Policy is subject to any amendments which will be posted on Business Development Centre website and will also be available from Business Development Centre Privacy Officer by calling 416-226-2921.

Privacy Policy related to the use of this website

The following discloses our information gathering and dissemination practices for this Web site.

IP addresses are used by your computer every time you are connected to the Internet. Your IP address is a number that is used by computers on the network to identify your computer. IP addresses are automatically collected by our web server as part of demographic and profile data known as "traffic data" so that data (such as the web pages you request) can be sent to you. We will not use your IP address to attempt to identify your personal information. When you submit a transaction we may store your IP address for validation and to protect against fraud.

Cookies are pieces of information that a web site transfers to your computer's hard disk for record-keeping purposes. Cookies in and of themselves do not personally identify users, although they do identify a user's computer. Most browsers are initially set up to accept cookies. If you prefer, you can set your browser to refuse cookies. However, you may not be able to take full advantage of a web site if you do so. We reserve the right to use cookies to collect demographic and profile data for purposes of delivering content specific to your interests. Advertisers that display ads on our site may also use cookies; however we do not have access to the information obtained from cookies issued from other sites. We use cookies to estimate our audience size. Your browser is given a unique cookie that helps us determine whether yours is a repeat visit or a first visit.

A Referer is the information passed along by a web browser that references the Web URL you linked from, and is automatically collected by our web server as "traffic data". We reserve the right to use this information to identify broad demographic trends that may be used to provide information tailored to your interests. You will not be personally identified from this information. Demographic and profile data is used to tailor our visitor's experience at our site and display the content according to their preferences. This information is shared with advertisers on an aggregate basis only.

This site contains links to third party sites. We are not responsible for the privacy practices or the content of such Web sites. This Privacy Policy extends only to data collected on pages hosted on this website. We may share aggregate information with trading partners, co-branded sites, and advertisers. However, this aggregated information does not contain personally identifiable information.

Our online surveys may ask visitors for such information as contact information like email address and demographic information like postal code, age or income level. We may use contact data from our surveys to send information about our company and promotional material from some of our partners, sponsors or advertisers. The customer's contact information may also be used to contact the visitor when necessary. Users may opt-out of receiving future e-mail communications.

As you use the Site, certain information may also be passively collected and stored on our or our service providers’ server logs, including your Internet protocol address, browser type, and operating system. We also use cookies and navigational data like Uniform Resource Locators (URL) to gather information regarding the date and time of your visit and the solutions and information for which you searched and viewed, or on which of the advertisements displayed on the Site you clicked. This type of information is collected to make the Site more useful to you and to tailor the experience, and to meet your special interests and needs. This information is used solely for enabling us to provide you with a customized online experience and to find ways to improve our Site..

This site makes forums and message boards available to its users. Please remember that any information that is disclosed in these areas becomes public information and you should exercise caution when deciding to disclose your personal information.

Security. This site has reasonable security measures in place to protect against loss, misuse and interception by third parties. However, we assume no liability for interception, alteration or misuse of information transmitted over the Internet.

Children. This site is not marketed to or directed towards children. By using the Site, you are representing that you are at least 18 years old. Children under the age of 18 are not permitted to use the Site or become Members.

Google AdWords. This website uses the Google AdWords remarketing service to advertise on third party websites (including Google) to previous visitors to our site. It could mean that we advertise to previous visitors who haven’t completed a task on our site, for example using the contact form to make an enquiry. This could be in the form of an advertisement on the Google search results page, or a site in the Google Display Network. Third-party vendors, including Google, use cookies to serve ads based on someone’s past visits to this website. Of course, any data collected will be used in accordance with our own privacy policy and Google’s privacy policy.

You can set preferences for how Google advertises to you using the Google Ad Preferences page, and if you want to you can opt out of interest-based advertising entirely by cookie settings or permanently using a browser plugin.

How to contact us.
Direct any queries about this Policy to Business Development Centre Privacy Officer at the telephone, e-mail address, or mailing address listed below.

BUSINESS DEVELOPMENT CENTRE
PRIVACY OFFICER

ADDRESS
800 Steeles Ave. W. #B10155
Thornhill, Ontario L4J 7L2
FAX NO. 416-226-0013
E-MAIL Info@bdc-canada.com