What is Personal Information?
Personal information is information that can identify an individual. This information can include, but is not limited to, name, address, date of birth, identifying numbers, employment and educational background, or other information relating to income, assets, or financial obligations.
Consent to Collect Information
Information that is presented by the customer in an application for credit such as financing or rental is provided voluntarily in support of the application. The consent to the collection, use and disclosure of this information for the purpose of approval and subsequent administration of credit is implicit. We may also collect information during and after the extension of credit as is provided for in our credit agreements or by law.
Long & McQuade provides other services requiring the collection of personal information. We may also collect information in order to:
Information collected for these purposes will be apparent in the context of the application, and consent for the use of this information, for the stated and intended purpose, is deemed to be implicit.
We will not require more information than is necessary to provide the goods or services required, and we will not refuse goods or services because of a refusal to provide information. We may be unable to grant credit where insufficient information is provided to establish credit worthiness.
The Social Insurance Number of the applicant is optional. If provided, it will be used to ensure accurate and complete credit reports are obtained to facilitate approval of an application. The Social Insurance Number, by its nature, may also indicate the region of Canada where it was issued, and the landed status of the bearer.
Long & McQuade will not sell, rent, trade or disclose information unless permitted or required by law. Information provided will be used only for the purpose for which it was provided unless consent is given.
Credit information may be disclosed to credit reporting agencies or agents acting on our behalf in the recovery of debt. We may also be compelled to disclose information as required by law.
Information may also be disclosed to government bodies as required to perfect a security interest in goods financed. This information is normally limited to name (first name, second initial and last or family name), address and date of birth.
Security measures including locks, passwords and encryption have been adopted to protect personal information against loss or theft. Employees with access to personal information are trained to respect and maintain confidentiality.
You may request details of your personal information in our records, and a record of third parties to which it was disclosed, or is likely to have been disclosed. There are specific limitations to this right and we may be unable to comply with your request if prohibited by law. Whenever possible, we will provide our reasons for declining your request.
Withdrawal of Consent
Subject to certain exceptions, you have the right to withdraw your consent for the use and disclosure of your personal information. We may be unable to provide some services where consent is withdrawn.
Questions regarding this policy or our practices may be directed to our Privacy Officer:
Mr. Steve Long
722 Rosebank Rd.
If your question or issue is not resolved to your satisfactions, you may contact the office of the Privacy
Commissioner for Canada or the Privacy Commissioner for your province as appropriate.