Please note that our policies and procedures apply only to websites owned and/or operated by us and not to websites maintained by other companies or to any website to which we may link or to unrelated businesses with which we may share information.
What is « Personal Information »?
Personal information is any information that you provide to us or authorize us to obtain that identifies you, personally, or that can be logically associated with you. Examples of personal information would be your name, your address, your e-mail address and your Social Security Number. Demographic information such as gender, age, postal code, etc. is generally not considered personal information.
Why Do You Need To Collect My Personal Information?
We collect and use personal information in order to respond more completely to your requests for products and services offered through our websites and those of our business partners. We also collect personal and other information in order to make you aware of products and/or services that are likely to be of interest to you.
What Personal and Other Information Do You Collect and/or Maintain?
We collect and maintain the information you provide to us whenever you visit our website(s), such as:
- Any information you provide to us when you request a product or service. This information may include your name, your address, your telephone number and in some cases your Social Security Number. Depending upon the product or service you request, you may also be asked to provide additional information such as the amount of your current unsecured debt and the identity of your creditors, information about your mortgage and other financial and personal information.
- Any information you provide to us or to one of our business partners when you request a quote or a product or service offered by or through one of our websites.
- Information, such as your e-mail address, that you provide to us when you register to receive communications from us or when you communicate with us through our customer service facility, or otherwise correspond with us.
We also collect other, non-personal information, which is broadly defined as any information that is not and cannot be directly associated with you. An example of this type of non-personal information would be your postal code.
In addition to the information we collect from you, we may also receive information about you from other on-line or off-line sources. For example, if you provide us with personal information along with an appropriate authorization we may request and obtain a credit report and credit score.
How Do You Use The Personal and Other Information You Collect?
We use the personal information you supply to us, or that you authorize us to obtain, to provide to you the service(s) or product(s) that you request. We may also use your personal and other information to enhance your experience on our website(s) by displaying content based on your preferences and/or to send information to you about additional products or services in which you may be interested. We may ‘depersonalize’ your personal information to enable us to use that information, aggregated
With Whom Do You Share My Information?
If you submit a request for a product or service, we will share the personal and other information you supply with those product and service providers that have agreed to participate in our network. Generally, these product and service providers are prohibited from using the information we provide to them for any other purpose, including using your information for other, unrelated marketing purposes.
By submitting your request you are consenting to being contacted by us or by our business partners, through any means, based on the information you provide to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution. If, after you are contacted by that product or service provider, you do not wish to be contacted by that person again you must make a specific request to the product or service provider, not to Andre Gabbay and associes.
We may also share your personal and other information with a third-party that provides a service or supplies a specific functionality to us, such as a call center operator. These service providers will be provided only with the information necessary for them to perform their functions and are not allowed to share any of the provided information with others for any purpose whatsoever.
Any person with whom we share your personal information is also required to comply with federal and provincial privacy regulations and will have its own privacy policies that should be made available to you at the time you are first contacted.
Are There Any Other Circumstances Where You Disclose My Information?
We may be required to share your information with law enforcement or government agencies in response to subpoenas, court orders or other forms of legal process. We may elect to share information when, in our reasonable judgment, such sharing is necessary or appropriate for the investigation or prevention of illegal activities, including actual or suspected fraud, real or potential threats to the physical safety of any person or otherwise as required by law.
How Do You Collect Information?
We collect certain types of non-personal information and technical data from each visitor to our website(s). For example, when you click on a banner advertisement or text link that is associated with one of our websites, the banner or text placement, along with the time of your visit, your Internet Protocol address and other path-related information, is sent to us. Similarly, the page requests you make when you visit our website(s) are stored and used by us. We use this information, none of which is or can be personally associated with you, for statistical and analytic purposes, to help us understand which page views are most appealing to our customers and to help us improve the likelihood that we will be able to offer you only products or services in which you have a genuine interest.
What Are Cookies? « Cookies » are small files that are placed automatically on your computer system when you visit a website. Cookies enable a website to recognize you as a return visitor and, by keeping track of your website activity, help us identify which pages to serve to you while reducing the time it takes for those pages to load. Cookies enable us to personalize and enrich your experience and are not tied in any way to your personal information. If you do not wish to accept cookies or if you wish to remove cookies that remain in your browser following the close of your browser session, you may adjust the settings on your web browser to prevent cookies from being placed on your hard drive. Please review your web browser « Help » file to learn the proper way to modify your cookie settings.
Do You Use Any Other Advertising Technology? We use third-party advertising technology to serve ads on our website(s) and on the websites where we advertise. Generally, advertisements are served by ad networks, such as DoubleClick, that are independent of us. Third-party servers may employ cookies or action tags to measure advertising effectiveness, target advertising to individuals and for other purposes. For more information about third party technology used to serve advertising, as well as to obtain software tools that will allow you to opt-out of targeted advertising, please visit the Network Advertising Initiative.
What Are Web Beacons? « Web beacons » are, like cookies, small files that enable an ad server to recognize a visitor’s cookie when the visitor returns to a particular site. Web beacons may also be used in e-mail advertising to help track which e-mail messages have been opened. Web beacons are used to track the movement of visitors to our sites and, like cookies, are not tied to any personal information.
How Do You Safeguard The Information You Collect?
The security of your personal information is a very high priority for us and we take a number of steps to safeguard it. Some of the measures we take are:
- Limiting access to personal information to those employees who are critical to the delivery of products and services to you.
- Implementing appropriate physical, electronic and managerial procedures to guard against unauthorized access or use.
- Requiring appropriate consents and protections from our business partners before we share any personally identifiable information.
Andre Gabbay and associes use commercially reasonable physical and technical security measures to protect all personal information in our possession. Sensitive information such as social security numbers are encrypted using secure sockets layer encryption from the time of your submission and while it is stored by us. We cannot, however, guarantee or warrant the absolute security of any system or that any information we hold will not be accessed, disclosed, altered or destroyed.
How Long Do You Retain My Personal Information?
We normally retain your personal information for as long as our customer relationship with you lasts, and in any event generally not less than one (1) year from the date we first collect it. For legal reasons, we may sometimes be required to retain personal information for a longer period. Non-personal information may be retained indefinitely.
Under certain circumstances, Federal and/or provincial law may require us to retain your personal information for different periods of time. Accordingly, we may not be able to delete or otherwise remove your personal information from our systems.
Can I Correct or Remove My Personal Information?
If you believe there are factual errors in any of the information you have submitted through one of our websites, please contact us and advise us of the error. To protect your privacy and security we may require that you verify your identity before we make any requested changes to personal information.
What Choices Do I Have?
You can always elect not to provide personal information to us, although if you do not complete and submit the information we ask for we may not be able to provide you with the most complete responses or you may not be able to access all the available features.
If you choose to use our referral service to tell a friend about our site, we will ask you for your friendï¿½s name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. Andre Gabbay and associes stores this information for the sole purpose of sending this one-time email and tracking the success of our referral or affiliate program.
You can opt-out of receiving communications from us and/or ask to change or delete information you have previously provided to us by contacting us.
Do You Use My Personal Information to Contact Me Without Permission?
We do not send unsolicited messages. To receive our newsletter via e-mail you must sign up on one of our websites. If you decide at a later time that you no longer wish to receive our newsletter, you may unsubscribe using the « unsubscribe » link on each newsletter that you receive. If you have any problems unsubscribing, please contact us immediately.
Andre Gabbay and associes has a strict « anti-spam » policy. You will not receive e-mails unless you submit your e-mail address to us or register on one of our websites to receive communications. We do not permit any third-party e-mail service to send unsolicited e-mails – « spam » – to any person who has not previously given their permission to receive such communications to that third party e-mail service. If you wish to stop receiving future e-mails from a third-party e-mail service, we recommend you follow the opt-out instructions included in the e-mail. An « unsubscribe » link should appear within or at the top or bottom of any e-mail you receive.
If you submit a testimonial to us, we will ask for your permission to post your testimonial prior to any public use. We will post your name as given to us in your testimonial. We may post a photo of you or use a stock photo. Please be aware that any personally identifiable information you submit as a testimonial to be posted can be read, collected, or used by the general public, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to include in any testimonial you choose to submit. If at any time you decide to remove your testimonial, please contact us via e-mail or postal mail.
A Special Note about Children’s Privacy.
We do not knowingly collect, use or share personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the products and/or services offered on our website only in conjunction with your parents or guardians.