Your privacy is important, so we'd like to explain what information we collect when you visit UseMyBank (http://www.usemybank.com), why we collect it and how it is used. We'd also like to explain your options to access and control your information, our data security practices and other matters. This Policy is governed by our Terms and Conditions of Use. A summary chart can be found by clicking here.

1. THE PRIVACYBOT TRUSTMARK
   We have registered with PrivacyBot.com, an independent privacy seal program. We display the PrivacyBot Trustmark to show our commitment to good privacy practices. Click the Trustmark to see our standing with PrivacyBot.

2. SPECIAL NOTE ABOUT CHILDREN
   This Site is not intended for children, especially children under 13. Children may use this Site only with the direct supervision of their parent.

3. WHAT INFORMATION DO WE COLLECT FROM YOU? WHY?
   We May Profile Users Pseudononymously. We may build a pseudononymous profile of your online habits, interests and activities when you use our Site. This profile will not reveal or be linked to your personal identity. We compile these profiles from "real world" contact information (e.g., street address, phone/fax), email addresses, privately-issued unique identifiers (e.g., UserIDs and passwords), data relating to a specific purchase, user navigation and browsing patterns, and we use these profiles for the purposes described below (please scroll down to each topic for details).

   We May Collect Information Needed to Contact You Later:

   If we collect personal contact information (as described below), you may later have us modify or remove it from our system, but you may not access the information yourself. You may choose simply not to provide personal contact information by opting-out at the point of collection.

   We May Collect Your Name, Address and Phone Number. When you use our Site, we may request your name, street address, telephone number or other "real world" contact information.

   
   This information does not inherently reveal and will not be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, improve the Site for everyone, market things to you in the future (other than by telemarketing), build a profile of your habits, interests or activities to treat you as an individual, build individual profiles for ongoing research, analysis and reporting, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents, sellers, and billers.

   We May Collect Your Email Address. We may request your email address, or other information needed to contact you online. This information does not necessarily reveal who you are and we will not link it to your personal identity. We use it to complete and support the immediate activity requested, administer and run the Site, improve the Site for everyone, market things to you in the future (other than by telemarketing), build a profile of your habits, interests or activities to treat you as an individual, build individual profiles for ongoing research, analysis and reporting, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents, sellers, and billers.

   We May Collect Other Kinds of Information from You:
   When you use our Site, we may collect personal information about you described below. You may later have us modify or remove the information, but you may not access the information yourself. You may choose simply not to provide actively gathered information by opting-out at the point of collection.

   You May be Prompted for a UserID and Password. We may ask you to enter a web site ID, password or other identifier. This information will not reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, improve the Site for everyone, market things to you in the future (other than by telemarketing), build a profile of your habits, interests or activities to treat you as an individual, build individual profiles for ongoing research, analysis and reporting, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents.

   We May Collect Purchase Information. We may collect information actively generated by the purchase of a product or service, such as confirmation/reference number/id. This information will not inherently reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, improve the Site for everyone, market things to you in the future (other than by telemarketing), build a profile of your habits, interests or activities to treat you as an individual, build individual profiles for ongoing research, analysis and reporting, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed only to our staff, to our immediate agents, sellers, and billers.

   We May Collect Information About Your Finances. We may collect information about your financial account status, purchase and payment history and other financial data to help establish a financial status for your on-screen persona. This information will not reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents.

   We May Collect Information About Your Computer. When you visit our Site, we may automatically collect information about your computer configuration, such as your browser type, operating system, IP address or ISP domain name. This information will not reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents, sellers, and billers.

   We May Collect Navigation and Clickstream Data. As you browse our Site, we may gather navigational and clickstream data that shows what pages are visited and how long various features are used. This information will not reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, improve the Site for everyone, build a profile of your habits, interests or activities to treat you as an individual, build individual profiles for ongoing research, analysis and reporting, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents, sellers, and billers.

   We May Collect Interactive Data. You may decide to input data while using certain interactive features at our Site, such as queries submitted to a search engine. This information will not reveal your identity or be linked to you personally. We use this information to complete and support the immediate activity requested, administer and run the Site, improve the Site for everyone, comply with laws requiring preservation of social histories, and to comply with any requirements of law. This information may be disclosed only to our staff and to our immediate agents, sellers, and billers.

4. CERTAIN EXCEPTIONAL DISCLOSURES
   We may disclose your information if necessary to protect our legal rights or if the information relates to actual or threatened harmful conduct. Disclosure may be required by law or if we receive legal process.

5. WE CURRENTLY DON'T USE COOKIES
   Cookies are small files stored by your browser in your computer when you visit a web site. Cookies are used to recognize users and improve web site performance. Currently, we don't use cookies. If we later decide to use cookies, we will revise this Policy accordingly.

6. HOW DO WE PROTECT INFORMATION WE COLLECT?
   We offer secure web pages to collect certain kinds of user information and we store certain kinds of data in encrypted form. We follow reasonable technical and management practices to help protect the confidentiality, security and integrity of data stored on our system. While no computer system is completely secure, we believe the measures implemented by our Site reduce the likelihood of security problems to a level appropriate to the type of data involved.

7. HOW LONG DO WE KEEP USER INFORMATION?
   We generally keep user data on our server or in our archives for as long as we reasonably need it. We may alter this practice according to changing requirements. For example, we may delete some data if needed to free up storage space. We may keep other data for longer periods if the law requires it. In addition, information posted in a public forum could stay in the public domain indefinitely.

   Data management requests are administered in an orderly manner to the extent feasible and within our direct control. Note: we have greater control over recently collected data than for archived data. Once data is removed from the system and archived, it may not be feasible to accommodate specific requests. In those cases, our general data retention policy applies.

8. YOUR CONSENT TO THIS POLICY
   By using our Site, you agree to this Policy. This is our entire and exclusive Privacy Policy and it supersedes any earlier version. Our Terms of Service take precedence over any conflicting Policy provision. We may change our Policy by posting a new version on our Site.

9. LEGAL DISCLAIMER
   This Site operates AS-IS and AS-AVAILABLE, without liability of any kind. We are not responsible for events beyond our direct control. This Policy is governed by Ontario law, excluding conflicts of law principles. Any legal actions against us must be commenced in Ontario within one year after the claim arose, or be barred.

10. IF YOU HAVE A PRIVACY QUESTION
    If you have a privacy question about our Site please email:
    support@usemybank.com
    
    Or write:
    UseMyBank Services, Inc.
    7B Pleasant Blvd.,
    Suite 1183,
    Toronto, Ontario
    M4T 1K2
    Canada