ADC Finance Corporation. Privacy Policy

LAST UPDATE OF THIS PRIVACY POLICY – [Sept 2020]

BEFORE USING OUR SITES, PLEASE READ THIS PRIVACY POLICY CAREFULLY.

This Privacy Policy is applicable to ADC Finance Corporation (“ADC Finance” or “ADC Finance”) and sets out our policy on the gathering and use of information on this site and our other sites (collectively “Sites”). ADC Finance is committed to providing safe web sites for visitors of all ages and has implemented this Privacy Policy to demonstrate our firm commitment to your privacy. ADC Finance complies with Canadian Federal and Provincial privacy laws and regulations including the Personal Information and Electronic Documents Act.

There may be links from our Sites to other web sites; note that this Privacy Policy applies only to our Sites and not to web sites of other companies or organizations to which our Sites may be linked. You must check on any linked sites for the privacy policy that applies to that site and/or make any necessary inquiries in respect of that privacy policy with the operator of the linked site. These links to third party websites are provided as a convenience and are for informational purposes only. ADC Finance does not endorse, and is not responsible for, these linked websites.

Although you are not required to register to access our Sites, you may be asked to provide us with personal information when you visit certain sections of our Sites. Your use of our Sites signifies your acknowledgement and consent to our Privacy Policy. If you do not agree to this Privacy Policy, please do not continue to use our Sites. Your continued use of the Sites signifies your acceptance of these terms and any changes in effect at the time of use.

COLLECTION OF PERSONAL INFORMATION

Personal Information is information about you that identifies you as an individual, for example, your name, address, e-mail address, or telephone number.

We collect information that you voluntarily provide to us through responses to surveys, search functions, questionnaires, feedback, and the like. On some of our Sites, we offer financial assessment tools that ask you to provide self-assessment information. We may also ask you to provide additional information such as your e-mail address if you want to obtain additional services, information, participate in a contest or to resolve complaints or concerns.

HOW DOES THE COMPANY USE INFORMATION GATHERED ABOUT ONLINE VISITORS?

Before forwarding us any personal information, please be advised that any information gathered on our Sites may be used in the aggregate for research and development relating to our Sites and/or for future site development and, if you ask us to, to send you promotional materials. In particular, we may use information gathered about you for the following purposes: to monitor interest in our range of products and to assist us to tailor the content of our Sites to your needs by collecting information about your preferences through tracking of patterns page views on our Sites; to create a profile relating to you in order to show you the content that might be of interest to you and to display the content according to your preferences; and, in circumstances where you have indicated that you wish to receive additional information, to send you information about us and promotional material about our products together with details of any offers we may have available from time to time.

PROMOTIONAL AND INFORMATIONAL OFFERS

With the permission of an online visitor, information submitted at the time of registration or submission may be used for marketing and promotional purposes by ADC Finance provided notice of this fact is made available online. If a visitor objects to such use for any reason, he/she may prevent that use, either by e-mail request or by modifying the registration information provided. ADC Finance uses reasonable efforts to maintain visitors’ information in a secure environment. If you have submitted personal information and want to change it or opt-out, please contact us as described below.

DISCLOSURE OF INFORMATION

ADC Finance will not disclose personal information that you provide on its Sites to any third parties other than to a Company agent except: i) in accordance with the terms of this Privacy Policy, or ii) to comply with legal requirements such as a law, regulation, warrant, subpoena or court order, and/or iii) if you are reporting an adverse event/side effect, in which case ADC Finance may be required to disclose such information to bodies such as, but not limited to, Canadian and/or international regulatory authorities. Please note that any of these disclosures may involve the storage or processing of personal information outside of Canada and may therefore be subject to different privacy laws than those applicable in Canada, including laws that require the disclosure of personal information to governmental authorities under circumstances that are different than those that apply in Canada.

COOKIES

ADC Finance, in common with many web site operators, may use standard technology called “cookies” on its Sites. Cookies are small data files that are downloaded onto your computer when you visit a particular web site. You can disable cookies by turning them off in your browser; however, some areas of the Sites may not function properly if you do so.

PROTECTION OF CHILDREN ONLINE

ADC Finance considers the protection of children’s privacy, especially online, to be of the utmost importance. We do not knowingly collect or solicit personal information from children nor do we allow them to become registered users of, or to request information through, our Sites or help-seeking information lines.

ADDITIONAL TERMS FOR CERTAIN WEBSITES

The following additional information applies to our Sites that require registration. Generally, you are not required to provide personal information as a condition of using our Sites, except as may be necessary to provide you with a product or service that you have requested. However, some of our Sites are restricted to certain individuals such as health care professionals or our prescription drug patients and we may require these individuals to register upon entry by providing us with certain information.

PROTECTION OF INFORMATION:

Our Commitment to Security

We have put in place physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect online. ADC Finance applies security safeguards appropriate to the sensitivity of the information, such as retaining information in secure facilities and making personal information accessible only to authorized employees on a need-to-know basis.

Storage of Information:

Personal information you share with us is stored on our database servers at Company data centers (in whatever country they may be located), or hosted by third parties who have entered into agreements with us that require them to observe our Privacy Policy.

FAIR INFORMATION PRACTICES

The PIPED ACT reflects the realities of the business world. It’s based on the Canadian Standards Association’s Model Code for the Protection of Personal Information, which is incorporated into the legislation. The Code lists 10 principles of fair information practices that are summarized as ADC Finance policies.

Accountability. ADC Finance: appointed a Chief Privacy Officer responsible for our organization’s compliance to protect all personal information held by our organization or transferred to a third party for processing; and developed and implemented personal information policies and practices.

Identifying purposes. Our organization will: identify the reasons for collecting personal information before or at the time of collection; advise before or when any personal information is collected, identify why it is needed and how it will be used; document why the information is collected; inform the client from whom the information is collected why it is needed; identify any new purpose for the information and obtain the client’s consent before using it.

Consent. ADC Finance must inform the individual in a meaningful way of the purposes for the collection, use or disclosure of personal data and obtain the individual’s consent before or at the time of collection, as well as when a new use is identified.

Limiting collection. Our organization does not collect personal information indiscriminately. We will not deceive or mislead individuals about the reasons for collecting personal information.

Limiting use, disclosure, and retention. ADC Finance must: use or disclose personal information only for the purpose for which it was collected, unless the individual consents, or the use or disclosure is authorized by the Act; keep personal information only as long as necessary to satisfy the purposes; keep personal information used to make a decision about a person for a reasonable time period. We have guidelines and procedures in place for retaining and destroying personal information. This will allow the person to obtain the information after the decision and pursue redress and destroy, erase or render anonymous information that is no longer required for an identified purpose or a legal requirement.

Accuracy. Our organization must minimize the possibility of using incorrect information when making a decision about the individual or when disclosing information to third parties.

Safeguards. Our policies will: protect personal information against loss or theft; safeguard the information from unauthorized access, disclosure, copying, use or modification; protect personal information regardless of the format in which it is held.

Openness. ADC Finance will inform our clients and employees that we have policies and practices for the management of personal information and make these policies and practices understandable and easily available.

Individual access. When requested in writing, ADC Finance will: inform individuals, within 30 days, if we have any personal information about them; explain how it is or has been used and provide a list of any organizations to which it has been disclosed; give individuals access to their information; correct or amend any personal information if its accuracy and completeness is challenged and found to be deficient; provide a copy of the information requested, or reasons for not providing access, subject to exception set out in Section 9 of the Act. ADC Finance will note any disagreement on the file and advise third parties where appropriate.

Provide recourse. ADC Finance has simple and easily accessible complaint procedures that inform complainants the avenues of recourse. These include ADC Finance complaint procedures, those of industry associations, regulatory bodies and the Privacy Commissioner of Canada. Our organization will investigate all complaints received and take appropriate measures to correct information handling practices and policies. Complaints should be sent to:

Chief Privacy Officer

info@adcfinance.com

Individuals who feel their privacy rights have been infringed upon can complain to the Privacy Commissioner of Canada. The Commissioner’s role is that of an ombudsman, trying to find solutions to privacy problems, resolving complaints through negotiation and persuasion, and using mediation and conciliation if appropriate.

WHAT IS PERSONAL INFORMATION?

Personal information includes any factual or subjective information, recorded or not, about an identifiable individual. This includes information in any form, such as:

Age, name, ID numbers, income, ethnic origin, or blood type;

Opinions, evaluations, comments, social status, or disciplinary actions; and

Employee files, credit records, loan records, medical records, existence of a dispute between a consumer and a merchant, intentions (for example, to acquire goods or services, or change jobs).

Personal information does not include the name, title, business address or telephone number of an employee of an organization.

WHAT IS NOT COVERED BY THE ACT?

The collection, use or disclosure of personal information by federal government organizations listed under the Privacy Act

Provincial or territorial governments and agents of the crown in right of a province

An employee’s name, title, business address or telephone number

An individual’s collection, use or disclosure of personal information strictly for personal purposes (e.g. personal greeting card list)

An organization’s collection, use or disclosure of personal information solely for journalistic, artistic or literary purposes.

POLICY CHANGE:

If we alter our Privacy Policy, any changes will be posted on this page of our Site so that you are always informed of the information we collect about you, how we use it and the circumstances under which we may disclose it.

ACCEPTANCE OF OUR PRIVACY POLICY:

By using this Site or any other ADC Finance Site or interactive banner ads, you signify your acceptance of our Privacy Policy, and you adhere to the terms and conditions posted on the Site. By submitting your information, you agree that it will be governed by our Privacy Policy.

ADC Finance Web Site

Terms and Conditions of Use

ADC Finance Corporation, along with its subsidiaries and affiliates (“ADC Finance”), provides the information and services on its World Wide Web site(s) (the “Site”) under the following terms and conditions. By accessing and/or using the Site, you indicate your acceptance of these terms and conditions.

  1. LAWS AND REGULATIONS. Access to and use of this Site are subject to all applicable international, federal, provincial and local laws and regulations. User agrees not to use the Site in any way which violates such laws or regulations.
  2. COPYRIGHT AND TRADEMARKS. The information available on or through this Site is the property of ADC Finance, or its licensors, and is protected by copyright, trademark, and other intellectual property laws. Users may not modify, copy, distribute, transmit, display, publish, sell, license, create derivative works or otherwise use any information available on or through this Site for commercial or public purposes. Users may not use the trademarks, logos and service marks (“Marks”) for any purpose including, but not limited to use as “hot links” or meta tags in other pages or sites on the World Wide Web without the written permission of ADC Finance or such third party that may own the Mark. Questions concerning trademark ownership, usage, or infringement should be directed to info@adcfinance.com.
  3. TAMPERING. User agrees not to modify, move, add to, delete or otherwise tamper with the information contained in ADC Finance’s Web site. User also agrees not to decompile, reverse engineer, disassemble or unlawfully use or reproduce any of the software, copyrighted or trademarked material, trade secrets, or other proprietary information contained in the Site.
  4. THIRD PARTY INFORMATION. Although ADC Finance monitors the information on the Site, some of the information is supplied by independent third parties. While ADC Finance makes every effort to insure the accuracy of all information on the Site, ADC Finance makes no warranty as to the accuracy of any such information.
  5. LINKS TO THIRD PARTY SITES.  This Site may contain links that will let you access other Web sites that are not under the control of ADC Finance. The links are only provided as a convenience and ADC Finance does not endorse any of these sites. ADC Finance assumes no responsibility or liability for any material that may accessed on other Web sites reached through this Site, nor does ADC Finance make any representation regarding the quality of any product or service contained at any such site.
  6. LINKS FROM THIRD PARTY SITES. ADC Finance prohibits unauthorized links to the Site and the framing of any information contained on the site or any portion of the Site. ADC Finance reserves the right to disable any unauthorized links or frames. ADC Finance has no responsibility or liability for any material on other Web sites that may contain links to this Site.
  7. NO WARRANTIES. Information and documents provided on this Site are provided “as is” without warranty of any kind, either express or implied, including without limitation warranties of merchantability, fitness for a particular purpose, and non-infringement. ADC Finance uses reasonable efforts to include accurate and up-to-date information on this Site; it does not, however, make any warranties or representations as to its accuracy or completeness. ADC Finance periodically adds, changes, improves, or updates the information and documents on this Site without notice. ADC Finance assumes no liability or responsibility for any errors or omissions in the content of this Site. Your use of this Site is at your own risk.
  8. LIMITATION OF LIABILITY. UNDER NO CIRCUMSTANCES SHALL ADC FINANCE BE LIABLE FOR ANY DAMAGES SUFFERED BY YOU, INCLUDING ANY INCIDENTAL, SPECIAL OR CONSEQUENTIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, ANY LOST PROFITS OR DAMAGES FOR BUSINESS INTERRUPTION, LOSS OF INFORMATION, PROGRAMS OR OTHER DATA) THAT RESULT FROM ACCESS TO, USE OF, OR INABILITY TO USE THIS SITE OR DUE TO ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION THROUGH THE INTERNET, EVEN IF ADC FINANCE WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
  9. PRIVACY. Protecting the privacy of our clients and users of our Sites is important to ADC Finance. The ADC Finance Web Site Privacy Statement describes how we use and protect information you provide to us.
  10. SECURITY. Data transmitted to and from ADC Finance client Sites is encrypted for the user’s protection. However, the security of information transmitted through the Internet can never be guaranteed. ADC Finance is not responsible for any interception or interruption of any communications through the Internet or for changes to or losses of data. User is responsible for maintaining the security of any password, user ID, or other form of authentication involved in obtaining access to password protected or secure areas of ADC Finance sites. In order to protect you and your data, ADC Finance may suspend your use of a client site, without notice, pending an investigation, if any breach of security is suspected.
  11. TRANSMISSION OF PERSONAL DATA. User acknowledges and agrees that by providing ADC Finance with any personal information through the Site, User consents to the transmission of such personal user information over international borders as necessary for processing in accordance with ADC Finance  standard business practices and the ADC Finance Web Site Privacy Statement.
  12. ACCESS TO PASSWORD PROTECTED/SECURE AREAS. Access to and use of password protected and/or secure area of the Site is restricted to authorized users only. Unauthorized access to such areas is prohibited and may lead to criminal prosecution.
  13. JURISDICTION/GOVERNING LAW. These terms and conditions shall be governed and construed in accordance with the laws of the province of Ontario, Canada, and applicable federal laws without regard to conflicts of law principles. User agrees that any and all proceedings relating to this site and the subject matter contained herein shall be maintained in the courts of the province of Ontario.
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