(a) Information You Provide
You may be asked to voluntarily give your personal information to a theCalculator when you interact, orally, in writing or by electronic transmission, with the theCalculator , including when you apply for an account or membership, subscribe to a newsletter, register to receive information, apply or register for or order a product or service offered by a theCalculator or use a product or service provided by a theCalculator. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with the theCalculator or otherwise receive the full benefit of the desired product or service. Telephone calls between you and the theCalculator will be recorded to ensure accuracy and quality assurance, and may be disclosed to third parties to verify the theCalculator is compliant with its contractual obligations to third parties. You can choose not to have the telephone call recorded, and communicate by writing or electronic transmission.
(b) Automated Collection
A theCalculator may automatically collect certain information regarding your use of the theCalculator’s website or online service, such as the dates and times that you access the website or online service, the browsers, operating systems, software and devices that you use to access the website or online service and details of your use of the website or online service.
A theCalculator’s websites, online services, email messages and advertisements may use technologies (e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists the theCalculator to improve its products, services, customer communications and advertising and to prevent fraud. A theCalculator may use information that it collects through technological means to recognize you as a user of the theCalculator’s websites or online services, to facilitate and improve your use of the theCalculator websites or online services, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements. You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of a website or online service. More information about cookies used for interest-based advertising is set out in section 4(c) below.
(c) Credit Reports
(c) Interest-Based Advertising
(b) Specific Consents
A theCalculator may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with the theCalculator.
(c) Referred Transactions
(d) Suppliers and Service Providers
(e) Law Enforcement/Legal Disclosures
(f) Business Transactions
theCalculator and its service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to a theCalculator, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.
theCalculator will rely on you to ensure that your personal information that you provide to theCalculator is as accurate, complete and up to date as necessary for the purposes for which theCalculator uses the personal information. You will promptly notify theCalculator of any changes to your personal information using the procedures made available for that purpose by theCalculator or by contacting theCalculator’s customer service.
You may reasonably request access to your personal information collected by theCalculator and information about theCalculator’s use, disclosure and retention of that personal information by submitting a written request to theCalculator using the contact information noted below. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. theCalculator may decline to process a request that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.
(d) Advertise Disclosure: Offers shown on our website are from third-party advertisers. We are not an agent, representative, or broker of any advertiser, and we don’t endorse or recommend any particular offer. Information is provided by the advertiser and is shown without any representation or warranty from us as to its accuracy or applicability. Each offer is subject to the advertiser’s review, approval, and terms. We receive compensation from companies whose offers are shown here, and that may impact how and where offers appear (and in what order). We don’t include all products or offers out there, but we hope what you see will give you some great options.