Privacy Policy

THIS IS THE SCOTIABUSINESS.COM OFFICIAL PRIVACY POLICY, WHICH IS PART OF OUR TERMS AND CONDITIONS AND FORMS A PART OF YOUR LEGAL AGREEMENT WITH US. PLEASE READ IT CAREFULLY SINCE IT DESCRIBES THE TYPES OF INFORMATION WE COLLECT, HOW WE COLLECT AND USE INFORMATION, THE CIRCUMSTANCES IN WHICH WE DISCLOSE OR SHARE INFORMATION AND HOW YOU CAN ACCESS, UPDATE OR DELETE CERTAIN INFORMATION WE HAVE COLLECTED ABOUT YOU.

WHAT INFORMATION DO WE COLLECT?

We and any third party we engage for the purpose of administering, operating, hosting, configuring, designing, maintaining and providing internal support for our Website and Content (collectively, the “operational service providers”) collect certain non-personally identifiable information from you when you visit our Website (see Do you use cookies? below). We only collect Personal Information (defined below) from you when you submit it to us or provide it to us, such as when you email us or share information using your contact information. We use the term “Personal Information” to refer to any information you provide in connection with your use of our Website by which you can be personally identified. When you use our Website, we may collect your name, telephone number, and e-mail address and Unless you voluntarily provide or send us Personal Information, we will always ask you to submit or provide it to us before collecting your Personal Information. If you provide or submit your Personal Information to us, we will provide you with the ability to review, update and/or delete your Personal Information, subject to our obligations to comply with legal, regulatory, internal audit and record-keeping requirements. To update and/or delete your Personal Information you have on file with us, please send an email at patricia@scotiabusiness.com

HOW DO WE USE YOUR INFORMATION

Any of the information we collect from you may be used to:

·       Respond to your request

·       Personalize your experience (your information helps us to better respond to your individual needs);

·       Improve our Website (we continually strive to improve our Website offerings based on the information and feedback we receive from you);

·       Administer a contest, promotion, survey or other Website features; and/or

·       Send periodic communications (such as to respond to inquiries, requests or to provide you with news or other updates).

Note: If at any time you would like to unsubscribe from receiving future email communications, we include detailed unsubscribe instructions at the bottom of each email.

HOW DO WE PROTECT YOUR INFORMATION?

We maintain commercially reasonable standards of security and confidentiality. We also try to limit information access to individuals who need to have such access to perform their responsibilities associated with our Website and the Content on our Website. However, the Internet and communications cannot be guaranteed to be secure, and it is possible that others may unlawfully intercept or access information, transmissions or communications to, from or within our Website.

DO WE USE COOKIES?

When you access our Website, we and our operational service providers and others who host our Website often use technology that can recognize, collect and/or transmit information that is associated with you, but which does not personally identify you. Although the term “cookie” specifically refers to a small text file that is stored on a user’s computer for record-keeping purposes, we will use the term “cookie” to refer generically to any technology that can recognize, collect and/or transmit information about your visits to our Website. This type of information includes such data as the Internet or web domain that referred you, the type of operating system and browser you are using, the date and time of your visit, data relating to activities on our Website (e.g., so-called ‘clickstream’ data) and other technological attributes about your visit to our Website. This information is used to analyze trends, administer our Website, track user movements on our Websites, and gather aggregate demographic information about visitors so we can continually improve our Website.

Cookies also allow our Website to recognize your computer or access device each time you visit, and cookies can keep count of how often you return. Cookies can also track how you use our Website and your preferences for features and functions, and cookies can store information such as your username and password so that you don’t have to re-enter them each time you return to visit. Cookies don’t personally identify you or any particular user or individual.

You can disable or turn the cookie feature off by changing the settings on your Internet browser and you can also change the settings to stop your browser from automatically accepting cookies. Although changing these settings may not affect your ability to browse, it may affect your ability to use certain features and functions of our Website and it may also require you to re-enter certain information each time you visit or attempt to use our Website. You should consult the operating instructions that apply to your browser to determine how to best configure your browser settings for your needs.

DO WE DISCLOSE ANY INFORMATION TO THIRD PARTIES?

We do not sell, rent, lease, provide or otherwise disclose your Personal Information to unaffiliated entities. We will always let you know if we intend to provide any of your Personal Information to an unaffiliated third party (e.g., not operational service providers) and we will ask you to consent (“opt-in”) whenever we intend to do so.

We always have the right to disclose your Personal Information to our operational service providers. Our policy is to request that our operational service providers protect your privacy and not disclose your Personal Information to third party marketers that are not associated with our Website, nor are they permitted to use your Personal Information for their own marketing or promotional purposes.

We also reserve the right to make your Personal Information available:

·       When we are compelled by a governmental agency, law, regulation, a court or other legal process;

·       If we believe you are, have or may violate any law, regulation, our Terms and Conditions;

·       If we believe you are or may be a threat to safety, property, interests or rights of us or others;

·       In order to investigate, respond to or resolve problems or inquiries or defend our interests; and/or

·       In a merger, acquisition, change of control, joint venture or other business combination.

We reserve the right to disclose your non-personally identifiable visitor information to third parties for marketing, advertising, or other uses.

THIRD PARTY LINKS

Our Website may contain or display information from advertisers, operational service providers or other third parties that offer to make information, goods or services available, provide opportunities to participate in promotions or engage in activities or that link or redirect your browser to other websites, materials or organizations. We may also use third parties to display or serve advertising on our Website, as well as for distributing our online, email, messages or web-based newsletters and other information. Third parties often also employ cookies to measure advertising effectiveness. You should be aware that even if you encounter an advertisement, link or reference to a Third Party Website on our Website and even if we have a relationship with them, we do not control them, their websites or their policies and practices regarding use of their websites, transaction policies or any rules they have regarding the use of cookies or collection, use or disclosure of your information (including Personal Information). These are within their control and not ours and the terms and conditions, as well as the privacy policies that apply to these third parties and their websites are their responsibility. We have no responsibility or liability for the content and activities of Third Party Websites.

CHILDREN’S PRIVACY AND PARENTAL CONTROLS

We do not knowingly collect or solicit any Personal Information from children under the age of 13. If you are under 18, you are not authorized to use our Website without express permission from your parent or legal guardian. Parents and legal guardians should be aware that there are parental control tools available online that you can use to prevent your children from submitting information online without parental permission or from accessing material that is harmful to minors.

ONLINE PRIVACY POLICY ONLY

This online Privacy Policy applies only to information collected through our Website and not to information collected offline.

TERMS AND CONDITIONS

Please also visit our Terms and Conditions establishing the use, disclaimers, and limitations of liability governing the use of our Website.

YOUR CALIFORNIA PRIVACY RIGHTS

California Civil Code Section 1798.83, allows individuals who are California residents that have provided their personal information to us to request certain information about our disclosures of certain categories of Personal Information (if any) to third parties for their direct marketing purposes during the immediately preceding year. We do not currently share any Personal Information with third parties for their direct marketing purposes.

CHANGES TO OUR PRIVACY POLICY

If we decide to change our Privacy Policy, we will post those changes on this page, send an email notifying you of any changes (if you have provided us with your email), and/or update the Privacy Policy modification date listed at the opt of this page.