Street Capital Financial Corporation (Street Capital) recognizes the importance of protecting individual privacy and the sensitivity and confidentiality of personal information. This Privacy Policy outlines how Street Capital manages personal information and safeguards individual privacy. “Street Capital” includes its affiliates, related entities, employees and third party service providers.
Organizations are required to comply with the Personal Information Protection and Electronic Documents Act (PIPEDA). In certain situations, organizations may also be subject to provincial privacy legislation. Street Capital is responsible for the personal information we collect, use, retain, maintain and disclose. This Privacy Policy has been developed to ensure this accountability.
All reasonable precautions are taken to ensure that personal information is kept safe from loss, unauthorized access, modification or disclosure.
Personal Information
Personal information is any information that identifies an individual, or by which an individual’s identity could be deduced. This includes, but is not limited to: residence address, age, gender, personal financial records, social insurance number, personal health information, personal references and employment records.
Collection of Information
Street Capital collects personal information for the purpose of making credit decisions about potential customers, to confirm identity and to prevent fraud and money laundering. To fulfil these purposes, Street Capital may, on occasion, request information about individuals from the files of consumer reporting agencies.
Once an individual becomes a customer of Street Capital, the customer’s credit experience may be shared, on an ongoing basis, with other lenders and credit reporting agencies. This sharing of information is necessary to support the credit process. Personal information is used to manage risk, verify identity, make credit decisions for financing or renewal purposes, collect debts that may be owed to us, administer our files after closing and to communicate with the customer. Personal information is also used to satisfy information requests from regulators, organizations or individuals who are legally entitled to make such requests.
Street Capital may collect personal information from its customers directly or from others in order to verify identity, understand customer needs, determine suitability or eligibility of products and services, comply with applicable laws, collect on outstanding debt or administer a file.
Street Capital collects information only by fair and lawful means. Wherever possible, personal information is collected directly from the individual however, personal information may also be obtained from other sources including, but not limited to, credit bureau agencies, real estate appraisers, mortgage brokers and other financial institutions.
Consent
Generally, the individual will be asked to provide written consent if Street Capital collects, uses, or discloses personal information but in some circumstances, Street Capital may accept verbal consent or determine that consent is implied through the individual’s conduct.
Street Capital may collect or disclose personal information without knowledge or consent in certain circumstances including, but not limited to, when we are required or authorized by law to do so; in the case of an investigation when a breach of agreement or contravention of law is suspected; in order to help detect, prevent or deter fraud, money laundering, terrorist or other criminal activity; where it is necessary to establish or collect amounts owed to us; if we engage a third party to provide administrative services and the third party is bound by our Privacy Policy; if the information is already publicly known; or if we sell, pledge or assign a mortgage or loan, or securitize it, sell parts of our business, or merge or amalgamate with other entities we may release the information we hold to the prospective purchaser or assignee as part of due diligence and on completion of the transaction, subject to confidentiality restrictions.
Updating Your Information
Since Street Capital uses personal information to provide services, it is important that the information be accurate and up-to-date. If any information changes, Street Capital should be informed by the customer so that it can make any necessary changes.
Access to Personal Information
A customer may ask for access to any of their own personal information. Summary information is available on request but more detailed requests, which may require archive or other retrieval costs, may be subject to a reasonable administration fee.
Street Capital may deny access to personal information in some circumstances including, but not limited to: when denial of access is required or authorized by law; when granting access would have an unreasonable impact on other people's privacy; when it is subject to solicitor- client privilege; when it has already been destroyed due to legal requirements or as provided for in this Privacy Policy; or to protect Street Capital's rights and property.
If Street Capital has information about a customer that the customer establishes is not accurate, complete and/or up-to-date, Street Capital will take reasonable steps to correct it.
Retention of Information
Street Capital will retain personal information for as long as it believes necessary to fulfil the purpose for which it was collected and to fulfil legal or business retention requirements.
Security
Street Capital endeavours to maintain adequate physical, procedural and technical security with respect to its offices and information storage facilities so as to prevent any loss, misuse, unauthorized access, disclosure or modification of personal information.
Communication
Any questions, concerns or complaints regarding privacy, or any requests for access to view or amend personal information, may be directed to:
Ed Gettings
Chief Executive Officer
ac.latipacteerts@sgnitteg.de
A full name, address and telephone number should be attached to all inquiries. It should be noted that email is not a 100% secure medium and is generally unencrypted, and customers using this method of delivery should be aware of this when contacting us to send personal or confidential information.
Web Site
Our website may contain links to other sites, which are not governed by this Privacy Policy.
Privacy Policy Amendments
Street Capital Financial Corporation retains the right to amend this Privacy Policy from time to time.