- When you apply for, or
provide a guarantee in respect of, or use any Service
and while you are our customer, you agree that:
We may collect personal
information from you and about you such as:
- Your name, address,
occupation and date of birth, which is required by law;
- Identification, such as
a valid Canadian driver's license or passport or birth
certificate issued in Canada. We may also ask for
documents such as a recent utility bill to verify your
name and address;
- Your annual income,
assets and liabilities and credit history;
- Information about your
transactions, including payment history and account
activity;
We may collect from, and use
and disclose this personal information to, any person or
organization for the following purposes:
- To confirm your identity;
- To understand your needs;
- To determine the suitability of our Services for you;
- To determine your eligibility for our Services;
- To set up, manage and offer Services that meet your needs;
- To provide you with ongoing Service;
- To meet our legal and regulatory requirements;
- To investigate and adjudicate insurance claims; and
- To detect and prevent fraud or other criminal activity.
We will use health
information strictly for the provision of an insurance
Service. We do not provide directly all the services related
to your relationship with us. We may use third party service
providers to assist us with various services such as
printing, mail distribution and marketing and you
acknowledge that we may release information about you to
them. When personal information is provided to our service
providers, we will require them to protect the information
in a manner that is consistent with our
privacy policies and practices.
- We may collect, use and
disclose your Social Insurance Number (SIN) for income
tax reporting purposes, as required by law. In addition,
we may ask you for your SIN to verify and report credit
information to credit bureaus and credit reporting
agencies as well as to confirm your identity. This
allows us to keep your personal information separate
from that of other customers, particularly those with
similar names, and helps maintain the integrity and
accuracy of your personal information. You may refuse to
consent to its use or disclosure for purposes other than
as required by law.
- We may verify relevant
information you give us with your employer or your
references and you authorize any person whom we contact
in this regard to provide such information to us. If you
apply for a Service and during the time you have the
Service, we may consult various financial service
industry databases or private Investigative Bodies
maintained in relation to the type of Service you have
applied for or have. You also authorize us to release
information about you to these databases and
Investigative Bodies. Investigative Bodies are
designated under the regulations of the Personal
Information Protection and Electronic Documents Act (PIPEDA)
and include such organizations as the Bank Crime
Prevention and Investigation Office of the Canadian
Bankers Association and the Investigative Services
Division of the Insurance Bureau of Canada.
- We may monitor or
record any telephone call we have with you. The content
of the call may also be retained. We may inform you
prior to proceeding with the call of this possibility.
This is to establish a record of the information you
provide, to ensure that your instructions are followed
properly and to ensure customer service levels are
maintained.
- If you have a Service
with us, we may use, disclose to and collect from credit
bureaus or financial service industry databases, credit
and other information about you in order to offer you
pre-approved credit products. We may also do this after
the Service has ended. You may withdraw your consent at
any time by giving us reasonable notice (see below).
- If we sell the company
or a portion of the business of Apply Then Drive, we
may release the information we hold about you to the
prospective purchaser.
- We may keep and use
information about you in our records for as long as it
is needed for the purposes described in this Agreement,
even if you cease to be a customer.
All information that you
give us will, at any time, be true and complete. If any
personal information changes or becomes inaccurate or out of
date, you are required to advise us so we can update our
records.