Privacy Policy

Interchange Financial Corporation (“IFC”) is committed to protecting the privacy of all of the customers it serves (“you”). The following details the IFC Privacy Policy.

1. Introduction
At IFC, we recognize that our customers are concerned about the confidentiality and privacy of their personal information. Your privacy is important to us and we take this matter very seriously. We would like you to understand why we ask for your personal information, what personal information we collect, how we keep your personal information confidential and safe, how you can inquire about the personal information we hold about you and what personal information we disclose and how you can limit certain disclosures. We urge you to read our Privacy Policy carefully.

2. Why We Ask You For Your Personal Information
We ask you for your personal information for the following purposes:
• to facilitate the provision of the products and services you request from us including verification of your identity;
• to provide you with information and offers on our products and services, that we believe may be of interest to you and in certain circumstances to allow IFC to provide you with information about their own products or services; and
• to comply with the law.

3. Information We Collect and How We Use It
If you choose to order products or services from us, via telephone, mail, in person at one of our retail outlets, or from our Website, you will have to provide us with certain information, including personal information such as: your name, mailing and/or e-mail address, bank or debit card information, Driver’s Licence or passport and/or other photographic identification. We may also obtain information about your transactions with us and other information for payment purposes or to comply with legal requirements.
Federal law requires us to obtain, verify and record information in order to confirm your identity. This information will include your name, address, date of birth and any other information required in order to complete the verification process. The information provided by you and the results of the verification process will be retained by IFC and our third party fraud checking agent for audit and fraud prevention purposes.
At IFC, personal information regarding our customers is used solely in the conduct of our business and to enable us to deliver excellent service to our customers. We limit the personal information we collect to only that which is required to execute a transaction, provide you with information about our products and services, and to meet the purposes set out in this Privacy Policy. If we wish to use your personal information for any other reason we will first obtain your consent.

4. Protection of Personal Information
We process your personal information internally in accordance with strict internal security controls to protect against unauthorised use, alteration, duplication, destruction, disclosure, loss or theft of, or unauthorised access to your personal information, in accordance with applicable privacy laws. Personal information submitted by you on our Website is stored on secure servers located in Toronto. Security is continually reviewed and enhanced as new technologies present themselves. We maintain physical, organisational and electronic security measures to protect your personal information. These include the use of secure locks on doors, restricted access to our information processing and storage areas, limited access to relevant information by authorised employees and independent contractors only (“Employees”), and through the use of passwords and pass keys.
We instruct our Employees with access to your information that it is to be used only in adherence with the principles set forth in this Privacy Policy and the laws applicable to each specific business. As a condition of employment, our Employees are required to sign a confidentiality agreement binding them to this responsibility, which remains with them even if they leave or retire from IFC. We hold all Employees fully accountable for adhering to this Privacy Policy and the law.
Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your personal information, we cannot guarantee the security of information transmitted to the Website. However, once we receive your information, we use strict security standards and procedures to try to prevent unauthorised access to customer information. Your order is placed over a secure connection and your personal information is encrypted to ensure your data remains safe at all times.

5. Keeping Your Personal Information Accurate
We are committed to maintaining the accuracy of your personal information for as long as it is being used for the purposes set out in this Privacy Policy, and you play an active role in keeping us up to date. Prompt notification of any changes, for example to your mailing address or telephone number, will help us provide you with the best possible service. Should you discover, upon review of your personal information, that amendments are required, please advise us. We will use our best efforts to advise others of any important amendments to your personal information which we may have released to them.

6. Retention
We only keep your personal information for as long as and to the extent that we need it to meet the purposes set out in this Privacy Policy. The length of time we retain your personal information is also affected by: (1) the type of product or service you have with us; and (2) any legal requirements we may have to meet.

7. Unsolicited Direct Marketing
Your personal information will not be provided to anyone outside the IFC for direct marketing purposes unless you have expressly consented to such activities Under no circumstances do we sell lists of our customers to unaffiliated third parties for their use.

8. Website Privacy Policy
This Privacy Policy governs any dealings you enter into with us on the internet. We consider any information we collect through the internet to be personal information, and therefore only use such information in accordance with this Privacy Policy.
On our Website, we may collect information about your computer, including where available, your IP address, operating system and browser type, for system administration and to report aggregate information to our advertisers. This is statistical data about our users’ browsing actions and patterns, and does not identify you as an individual.
For the same reason, we may obtain information about your general internet usage by using a “cookie” file. Cookies are small pieces of information that are stored on your computer’s hard drive by your browser. They help us improve the Website and make it possible for IFC to identify some of your preferences. On revisiting the Website, IFC’s computer server will recognise the cookie, giving us information about your previous visits. Most browsers are originally configured to accept cookies automatically.
You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if not configured or if you alter your browser to disable the acceptance of cookies, you may not be able to use the Website. Unless you have adjusted your browser setting so that it will refuse cookies, our system will issue cookies when you log on to the Website.

9. Change of Privacy Policy and Feedback
Any changes we make to our Privacy Policy in the future will be posted on this page. Please do check our Privacy Policy from time to time to take notice of any changes made. By using the Website and/or any service offered on the Website or by placing orders after we have changed these terms, you will be accepting these changes.
This Privacy Policy was last updated on August 22, 2014.

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