In accordance with privacy regulations, we are giving you this Privacy Notice to tell you how we may use non-public personal information (“Private Information”) about you or your account. The kinds of Private Information we collect about you or your account are described below. This Privacy Notice applies whether you are our current or former customer. This Privacy Notice is provided to you as required by national laws and regulations applicable to our business. This Privacy Notice does not amend or alter our obligations under any applicable provincial or local laws, regulations or ordinances.

Collection and Use of Private Information
We may collect the following kinds of Private Information about you from the following sources:

• Information you provide on applications, forms, or other correspondence, such as your name, address, social insurance number (SIN) and income.
• Information about your transactions will, us or others, such as your account balance and payment history. 
• Information we receive from consumer reporting agencies, credit references, employers, insurance companies and insurance agencies, such as your credit history and creditworthiness, and information that we obtain to verify employment history.

Disclosure of Private Information
We may disclose Private Information (described above) under the following circumstances:

• To Marketing Service Providers and Joint Marketing Partners. We may disclose all Private Information to companies that perform marketing services for us or to other financial institutions with which we have joint marketing agreements.
• With Non-Affiliated Third Parties We may disclose all Private Information about you with non-affiliated third parties as permitted by law.

Protection of Information
We restrict access to your Private Information to our employees and third parties who need to know that information in order to service your application.