Privacy Policy

Your Right to Privacy

Bluecap® Financial Solutions Inc. (“Bluecap”) is committed to keeping your personal information private. We are dedicated to providing you with superior service while protecting your privacy and safeguarding your personal information.

Consent

By submitting personal information to Bluecap or our assignees, service providers or agents, you agree that we may collect, use and disclose your personal information in accordance with this Privacy Policy.

Change to Privacy Policy

In order to ensure that this Privacy Policy is kept up to date, we reserve the right to change it from time to time. Notice of changes may be distributed through Bluecap statements, newsletters, posted to the Bluecap website or other similar means. If you access or choose to continue to be serviced by Bluecap after the effective date of the change, you automatically accept the change.

Collection of Personal Information

This Privacy Policy applies to all personal information that we collect. This Privacy Policy does not apply to business information. Bluecap does however protect the confidentiality of such information in accordance with the law and Bluecap’s policies.

To provide you with our products and services, we may collect the following personal information:

• Contact and mailing information such as name, address, telephone number, fax numbers and e-mail address;
• Employment information, credit information and personal references of those who are applying for credit;
• Type, number and place of issuance of documents provided in support of your identity;
• Insurance information;
• Details on directors and owners of businesses;
• Dates of birth; and
• Any other relevant information that is necessary to provide you with our products and services.

When you visit our Web site, we may collect information about your use of our products and services, which is captured in a common log file format, including your Internet Protocol address and operating system, the date and time of your visit and information about the pages you visit while on our web site. To assist us in collecting information when you visit us online, we may use electronic technologies such as cookies (small computer files saved to your computer's hard drive) which help us understand what parts of our products and services you find most useful. You can reject cookies, but sometimes this compromises the functionality of the product or service.

Use of Personal Information

Bluecap collects personal information in order to:

• open, maintain, service, process, analyze, survey, audit and collect on your account;
• verify your identity and credit worthiness;
• protect you from identity theft, fraud and unauthorized access to your account;
• determine your eligibility, administer and contact you for the purposes of marketing, promotions, research or contests;
• Obtain from and share with consumer reporting agencies, credit or mortgage insurers and other parties who have financial, employment or business dealings with you application and transaction information;
• To improve the quality and efficiency of our products and services, analyze our portfolio and to enhance our marketing efforts; and
• Use for any purpose required by law.

Bluecap and our assignees, service providers or agents may use any method to contact you (including mail, phone, e-mail) using your contact information unless you have opted-out of a particular channel. Even when you have opted out, we may still be required to contact you when legal reasons arise (for example, we may use mail to send you disclosures) or business needs arise (for example, to alert you if there has been fraud on your account).

We may contact you by e-mail using any e-mail address you provide to us. To ensure your security, we will not include sensitive information in a e-mail such as your date of birth.

Disclosure of personal information

Bluecap may:

• Share personal information that we collect with other service providers, such as financial institutions, credit agencies, consultants, lawyers and accountants, etc. who perform various functions to assist in our delivery of service to you;
• Provide personal information if necessary to third parties for legal or regulatory purposes;
• From time to time, provide personal information to a third party in order to conduct customer satisfaction surveys; and
• Share your personal information within carefully selected companies to promote products and services which we believe will be of interest to you. If you would prefer that we don’t, please contact us at the following address: Bluecap Financial Solutions Inc. B2-125 The Queensway, Suite 138, Toronto, Ontario, M8Y 1H6 or by e-mail at [email protected].

When we transfer personal information to third party service and business partners, we require them to have privacy standards as good as ours.

We may also disclose your personal information in connection with a corporate re-organization, a merger or amalgamation with another entity, or a sale of all or a substantial portion of our assets and if we do so, we may share information concerning you with prospective purchasers, transferees or assignees.

Your information may also be shared with any person or entity to which we have assigned or transferred an interest in your account, any debt or interest due or any of our rights or obligations under any agreement with you (including any subsequent assignee).

In the event that a service vendor is located outside of Canada, the information on file for you may be processed and stored outside Canada and foreign governments, courts of law enforcement or regulatory agencies may be able to obtain disclosure of this information.

Accuracy of Personal Information

We will rely on you to keep us informed of any changes in your personal information. If you believe that the personal information that we hold is incorrect, please contact the Bluecap customer service office serving you to request a correction or to the personal information we have for you.

Confidentiality & Security

Appropriate measures are in place to protect the privacy of your personal information against loss, misuse or unauthorized access. Our staff members are sensitive to the nature of the personal information collected. Your personal information is stored and maintained in a secure environment. Bluecap takes technical, contractual, administrative, and physical security steps to protect personal information that you provide to us. We limit access to your personal information to those who need access to it in order for us to provide our products and services to you.

Third Party Website Links

The Bluecap web site contains links to other web sites. Bluecap is not responsible for the privacy practices or the content of these web sites. Furthermore, a link to another web site does not mean that Bluecap endorses, controls or accepts any responsibility for the content, or the use, of said web site.

Retention

Bluecap will keep your personal information for as long as it remains necessary for the purpose for which we collected it or as required by law, which may extend beyond the termination of our relationship with you.

Contact Us

If you have any questions, comments, or suggestions about this Privacy Policy or Bluecap’s privacy practices that were not answered here, please contact Bluecap’s Customer Service toll free: (866) 962.9292.