Privacy Policy

Your privacy is important to Finance Montréal and we are committed to protecting your personal information. Because we collect certain types of information from people who visit our sites, we have developed a privacy statement to help you understand the terms and conditions under which we collect and use that information. This statement outlines the type of information we collect, how we use it, and how you can access and change the information we collect about you at any time.

GUIDING PRINCIPLES

Finance Montréal respects the privacy of those who visit our websites, send us e-mail or participate in our online services. Accordingly, we have developed our privacy policy based on the following guiding principles:

• Finance Montréal adheres to a strict "no spam" policy. Subscribers to our email services or any other services advertised on the Finance Montréal web site (www.finance-montreal.com) will be able to receive our newsletter and easily unsubscribe.
• Finance Montréal collects information online primarily to provide our visitors with a more relevant experience. We will make every effort to avoid excessive or irrelevant data collection.
• Finance Montréal will take reasonable physical, electronic and managerial measures to protect any information you give us (e.g., data will be stored in secure databases on secure servers to which access is controlled).
• Other than to provide the service you have requested, Finance Montréal will not share with anyone the information you have given us without your consent. At the time you subscribe to such a service, you will be informed of the necessary disclosure of your information to any third party in order to provide you with the requested service, and you will be asked for your consent to do so.

TYPE OF DATA COLLECTED

Usage data: Each time you visit the Finance Montréal website, we may collect certain non-personally identifying information about how you access our site. This may include information on your browser, your service provider, your IP address, and any search engine you use to find the site. This information is used to diagnose problems with our server, to manage the website and to compile general statistical information. Finance Montréal also collects certain navigational data about your actions on our websites. This allows us to determine which parts of the websites are most visited and to tailor the websites to the needs and interests of our online visitors. In addition, this tracking data may be used to tailor information to you on our sites based on your previous use of the sites and your interests in particular topics.

Voluntarily submitted information: Any information you provide to us (i.e. name, email address, etc.) when you sign up for one of our email services, request information, register on our site, enter one of our contests, or use any other part of our websites is securely stored on our web server and internal systems. We may use it to provide you with information you have requested about our organization and services or to provide you with special notices.

Some of the information we request on our site is marked "required" because you must enter it in order to participate in the program or service requested. You may opt-out of receiving further communications at any time (see opt-out procedures below). This data may also be used to personalize your experience on our sites by providing content that matches your interests and geographic location. Finally, we may aggregate the information you give us (such as demographic information) to update our sites. This data will not be disclosed to others except as described in the "Disclosure of Personal Information" and "Use of Cookies" sections.

Information collected from other sources: To help us better understand and respond to your needs and interests, Finance Montréal may receive information about you from other sources in the future. Finance Montréal will require any supplier of such information to represent and warrant that the information has been collected and maintained in accordance with privacy laws. All such information, as well as any other personal information you have provided to us, will be retained by Finance Montréal in accordance with the standards set forth in this Privacy Policy.

DISCLOSURE OF PERSONAL INFORMATION

Finance Montréal understands the importance of your personal information. We collect personal information from our visitors and retain it for our own purposes. We do not sell, rent or market this information to third parties, except as described below, and never without your consent.

OUR BUSINESS PARTNERS

Finance Montréal may partner with certain companies at various times to provide expanded services to our website visitors. As part of these relationships, Finance Montréal may share with these companies the use of certain interactive website features. Information provided by visitors through such interactive features is available to Finance Montréal and its partners.

REPRESENTATIVES

Finance Montréal may call on other companies and individuals to perform certain functions on its behalf. Examples include administering email services and running special promotions. These parties have access only to the personal information needed to perform these functions and may not use or store the information for any other purpose. Subscribers or visitors to the sites will never receive e-mail messages from representatives who work for us.

TRANSFERS OF BUSINESS ASSETS

If Finance Montréal were to sell or transfer a portion of its assets, visitor information could be one component of those assets transferred as part of the transaction. If substantially all of Finance Montréal's assets are acquired, consumer information may be transferred as part of the acquisition.

COMPLIANCE WITH LAW/SECURITY

Finance Montréal may disclose certain personal information based on a good faith belief that such disclosure is necessary to comply with the law or to protect users of our websites, the sites themselves, or the public.

UPON CONSENT

Subject to the manner set forth in this Privacy Policy, you will be informed when any personally identifiable information may be disclosed to third parties, and you will have the opportunity to opt-out of such disclosure.

USE OF COOKIES

Finance Montréal may use a browser feature called a "cookie". Cookies are small files placed on your hard drive that allow Finance Montréal to provide you with a personalized browsing experience. Cookies eliminate the need for you to re-enter certain information, such as user IDs and passwords, during your visits to our websites. Cookies also allow Finance Montréal to provide you with information targeted to you based on the type of browsing you have done on our websites. The "help" section of the toolbar on most browsers will tell you how you can prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable the use of cookies altogether. Because Finance Montréal websites have been designed to take advantage of the use of cookies, if you set your browser to reject their use, some features of the sites may not function properly and you may be required to enter user IDs and passwords more frequently.

EXTERNAL LINKS

Finance Montréal websites contain links to other sites. Finance Montréal is not responsible for the privacy practices or the content of such other sites. To protect your privacy, Finance Montréal recommends that you review the privacy policy of every site you visit.

PASSWORDS

Only the unique password associated with the personal data file created at the time of your registration on the Finance Montréal website allows access to this file. To protect the confidentiality of this data, you should not reveal your password to anyone.

OPT-OUT PROCEDURES

You can always opt out of receiving communications from Finance Montréal. Our sites allow users to opt-out of receiving communications at the point where personal information is requested, or in another manner that will be specified.

CORRECTION, UPDATE, AND DELETION OF INFORMATION

Finance Montréal respects your right to privacy. Accordingly, you will be able to review the personal information you provide to us. In addition, you will be able to update, modify or delete your personal information at any time by doing the following:

• Send your request by email to info@finance-montreal.com
• Visit www.finance-montreal.com and use the "Contact us" form
• Or call us at  514 287-1540.

EXCEPTIONS

Finance Montréal may disclose a visitor's personal information to the following persons and organizations:

• law enforcement and emergency services agencies in emergency situations, or as required by law or court order
• another person engaged in the development, enhancement, marketing or provision of Finance Montréal products or services
• a third party or parties where the customer's consent to such disclosure is required by law.

CHANGES TO THIS PRIVACY POLICY

This Privacy Policy may be revised at any time to reflect the addition of features to the websites and changing standards governing personal information on the Internet. To ensure that you are always aware of our use of your personal information, our Privacy Policy will always be available on our websites. If we make any significant changes in the way we use your personal information, we will notify you by posting a prominent announcement on our pages.

PERSON IN CHARGE OF COMPLIANCE

If you have any questions, comments, or complaints about this policy, you may contact the person responsible for ensuring compliance with this privacy policy: 
Gabriel Paradis
Senior Director of Operations
gabriel.paradis@finance-montreal.com