 |
|
Privacy Policy
myebiz.ca, Moneris Solutions Corporation, along with Ernex and Giftcertificates.ca,
divisions of Moneris Solutions Corporation (collectively, "Moneris")
is committed to maintaining the accuracy, confidentiality, and security
of your personally identifiable information ("Personal Information").
As part of this commitment, the following Ten Privacy Principles govern
our actions as they relate to the collection, use and disclosure of
Personal Information. The principles have been built upon the values
set by the Canadian Standards Association's Model Code for the Protection
of Personal Information and Canada's Personal Information Protection
and Electronic Documents Act.
Principle 1 - Accountability
Principle 2 - Identifying Purposes
Principle 3 - Consent
Principle 4 - Limiting Collection
Principle 5 - Limiting Use, Disclosure and
Retention
Principle 6 - Accuracy
Principle 7 - Safeguarding Customer Information
Principle 8 - Openness
Principle 9 - Customer Access
Principle 10 - Handling Customer Complaints
and Suggestions
Principle 1 - Accountability
Moneris is responsible for maintaining and protecting the Personal
Information under its control. Moneris has designated an individual
or individuals who is/are accountable for compliance with the Ten
Privacy Principles.
Principle 2 - Identifying Purposes
The purposes for which Personal Information is collected will be
identified before or at the time the information is collected.
Principle 3 - Consent
Knowledge and consent are required for the collection, use or disclosure
of Personal Information except where required or permitted by law.
Principle 4 - Limiting Collection
The Personal Information collected will be limited to those details
necessary for the purposes identified by Moneris.
Principle 5 - Limiting Use, Disclosure and Retention
Personal Information may only be used or disclosed for the purpose
for which it was collected unless you have otherwise consented,
or when it is required or permitted by law. Personal information
will only be retained for the period of time required to fulfill
the purpose for which it was collected or as required by law.
Principle 6 - Accuracy
Personal Information will be maintained in as accurate, complete
and up-to-date form as is necessary to fulfill the purposes for
which it is to be used.
Principle 7 - Safeguarding Customer Information
Personal Information will be protected by security safeguards that
are appropriate to the sensitivity level of the information.
Principle 8 - Openness
Moneris will make information available to our customers concerning
the policies and practices that apply to the management of their
Personal Information.
Principle 9 - Customer Access
Upon request, a customer shall be informed of the existence, use
and disclosure of their Personal Information, and shall be given
access to it. Customers may verify the accuracy and completeness
of their Personal Information, and may request that it be amended,
if appropriate.
Principle 10 - Handling Customer Complaints and Suggestions
Customers may direct any questions or enquiries with respect to
the privacy principles outlined above or about our practices by
contacting:
Moneris Solutions Privacy Officer
P.O. Box 219, Station D
Toronto, ON M6P 3J8
Phone: 1-866-319-7450
Fax: 416-734-1754
Email: privacyofficer@moneris.com
Before Moneris is able to provide you with any information or correct
any inaccuracies, however, we may ask you to verify your identity
and to provide other details to help us to respond to your request.
We will endeavour to respond within an appropriate timeframe.
If you have questions or concerns regarding our organization's privacy
policy and practices, you should first contact Moneris directly.
If you do not receive acknowledgment of your inquiry or your inquiry
has not been satisfactorily addressed, you should then contact the
Privacy Commissioner's Office at http://www.privcom.gc.ca
(or 112 Kent Street, Ottawa, Ontario, K1A 1H3), who will then serve
as a liaison with Moneris to resolve your concerns.
What Information is Collected?
At Moneris, we collect, use and disclose Personal Information to provide
you with the services you have requested and to offer you additional
products and services we believe you might be interested in. Providing
us with your Personal Information is always your choice.
The types of Personal Information we may ask for depends on the nature
of the services we provide you and typically includes your name, address,
telephone number and e-mail address.
When you visit the Moneris websites, Personal Information is not collected
unless you choose to provide it voluntarily. You are welcome to browse
the websites at any time anonymously and privately without revealing
any personal information about yourself.
For purposes of maintaining quality service, calls to any of our customer
service lines may be recorded. A recorded message given prior to your
call being answered will let you know if your call may be the subject
of our random call recording quality assurance program.
Types of Information We Collect
Personal Information
Most of the Personal Information we collect comes to us directly from
you, and only with your consent. With your consent, we may collect
Personal Information from you in person, over the telephone or by
corresponding with you via mail, facsimile, the Internet, or from
referrals by third parties such as your financial institution.
When you visit the Giftcertificates.ca website, we may also collect
from you Personal Information about another individual in order to
send them a gift certificate.
As noted, the choice to provide us with Personal Information is always
yours. However, your decision to withhold particular details may limit
our ability to provide you with any of our services.
If we are unable to accommodate your request based on the information
that has been provided to us, we may ask for additional details in
order to identify other ways to be of assistance. Moneris also maintains
a file containing contact history that is used for customer inquiry
purposes.
Anonymous/Non-Personal Information
At Moneris, we also collect anonymous/non-personal information. Anonymous/non-personal
information is information that we do not associate with or trace
back to a specific individual or business entity. For example, our
web servers collect some anonymous/non-personal information automatically
when you visit one of our websites. Gathered electronically, this
information may include the pages you visited, the type of web browser
you are using, the level of encryption your browser supports and your
Internet Protocol address. The anonymous/non-personal information
collected may be used for research and analytical purposes and occasionally
for security investigations.
To help us better understand our markets, we may also gather information
for analytical purposes by conducting customer surveys, and by extracting
demographic information from existing files.
Consent
Your provision of Personal Information to us means that: (a) you agree
and consent that we may collect, use and disclose your Personal Information
in accordance with this policy; and (b) you or your representatives
are authorized to provide us with your Personal Information. If you
do not agree with these terms, you and your representatives are requested
not to provide any Personal Information to Moneris. Certain services
can only be offered if you provide Personal Information to Moneris.
Consequently, if you and your representatives choose not to provide
us with any required Personal Information, we may not be able to offer
you certain services.
How Your Information is Used
Personal Information
We use your Personal Information to communicate with you, effectively
provide the services you have requested and safeguard your interests.
We may also send you information about other products and services
in which we believe you may be interested. Additionally, if you are
a Moneris merchant client, we will keep you informed about your merchant
account activities, send you important notices, and respond to any
special needs or enquiries you may have.
Moneris Merchants
In particular, if you are a Moneris merchant customer, our merchant
agreement with you authorizes us to use and disclose the Personal
Information that you provide to us to:
- respond to any application for our services;
- provide our services to you, including
- determining your financial situation by collecting credit
and related financial information from our affiliates, strategic
partners, credit agencies, other financial institutions and
from references provided by you;
- facilitating the provision of our services by sharing your
information with our third party service providers, credit
and debit card issuers, credit and debit card associations,
credit agencies and similar parties connected to credit or
debit card services;
- investigating potentially fraudulent or questionable activities
regarding your merchant account(s) or the use of our services;
- reporting purposes under credit or debit card association
rules or regulations and to credit and debit card issuers,
financial institutions or other credit or debit card related
entities;
- offering you related products and services that might benefit
you; and
- in the course of an actual or potential sale, reorganization,
consolidation, merger or amalgamation of our business.
Ernex and Giftcertificates.ca customers
If you are an individual who is using our other services, we may use
and disclose Personal Information to provide the services that have
been requested, as well as in the following ways:
- to facilitate the provision of our services by sharing the Personal
Information with our third party service providers and similar
parties connected to the services;
- to offer related products and services that might benefit you;
and
- in the course of an actual or potential sale, reorganization,
consolidation, merger or amalgamation of our business.
We only use Personal Information for the purposes that we have disclosed
to you. If for any reason your information is required to fulfill
a different purpose, we will obtain your consent before we proceed.
Anonymous/Non-Personal Information
The anonymous/non-personal information gathered from the Moneris websites
is used primarily for technical, research and analytical purposes
like evaluating the various sections of the websites. This information
does not include any personal information and it is only retained
until its intended purpose is fulfilled.
It is our goal to continuously improve our service offerings to you.
Therefore, we use anonymous/non-personal information collected from
surveys, from public archives and by extracting information from existing
files to better understand our customers' interests, priorities, and
satisfaction levels.
When Information May be Disclosed to Outside Parties
We are obliged to keep your Personal Information confidential except
when authorized by you, when required by law and when permitted by
law.
At Moneris, we sometimes contract outside organizations to perform
specialized services such as terminal delivery and repair, and shipping
and fulfillment services. Our trusted service suppliers may at times
be responsible for processing and handling some of the information
we receive from you.
When we contract our suppliers to provide specialized services, they
are given only the information necessary to perform those services.
Additionally, they are prohibited from storing, analyzing or using
that information for purposes other than to carry out the service
they have been contracted to provide. Furthermore, as part of our
agreements, our suppliers and their employees and representatives
are required to protect your information in a manner that is consistent
with the privacy policies and practices that we have established.
When Required by Law
The type of information we are legally required to disclose may relate
to criminal investigations or government tax reporting requirements.
In some instances such as a legal proceeding or court order, we may
also be required to disclose certain information to authorities. Only
the information specifically requested is disclosed and we take precautions
to satisfy ourselves that the authorities that are making the request
have legitimate grounds to do so.
When Permitted by
Law
There are some situations where we are legally permitted to disclose
personal information such as employing reasonable and legal methods
to enforce our rights under our agreements, to collect a delinquent
account or investigate suspicion of illegal activities.
With Whom We May Share Your Information
Our Employees and Contractors
In the course of daily operations, access to private, sensitive and
confidential information is restricted to authorized employees who
have a legitimate business purpose and reason for accessing it. For
example, when you call us, our designated employees will access your
information to verify who you are and to assist you in fulfilling
your requests.
As a condition of their employment and their independent contractor
agreement respectively, all employees and independent contractors
of Moneris are informed about the importance of privacy and are required
to abide by the privacy standards we have established. They are also
required to work within the principles of ethical behaviour as set
out in the relevant Code of Conduct and must follow all applicable
laws and regulations.
Unauthorized access to and/or disclosure of customer information by
an employee of Moneris is strictly prohibited. All employees and independent
contractors are expected to maintain the confidentiality of customer
information at all times and failing to do so will result in appropriate
disciplinary measures, which may include dismissal.
How We Safeguard Your Information
We use state-of-the-art technologies and maintain current security
standards to ensure that your Personal Information is protected against
unauthorized access, disclosure, inappropriate alteration or misuse.
All safety and security measures are also appropriate to the sensitivity
level of your information.
Customer Files
Electronic customer files are kept in a highly secured environment
with restricted access. Paper-based files are stored in locked filing
cabinets. Access is also restricted.
Online Security
We manage our server environment appropriately and our firewall infrastructure
is strictly adhered to. Our security practices are reviewed on a regular
basis and we routinely employ current technologies to ensure that
the confidentiality and privacy of your information is not compromised.
The Moneris websites use Secure Socket Layer (SSL) and 128 bit encryption
technologies to enhance security when you visit the secured areas
of these sites. SSL is the industry standard tool for protecting and
maintaining the security of message transmissions over the Internet.
When you access your accounts or send information from secured sites,
encryption will scramble your data into an unreadable format to inhibit
unauthorized access by others.
To safeguard against unauthorized access to your accounts, you may
be required to "sign-on" using a user id and a password to certain
secured areas of the Moneris websites. Both user id and password are
encrypted when sent over the Internet. If you are unable to provide
the correct password, you will not be able to access these sections.
When you call our customer service centre you will be required to
verify your identity by providing some personally identifying information.
How You Can Protect Your Information
We do our utmost to protect and safeguard your Personal Information.
We believe there are measures you should take as well. The following
is a list of things you can do to protect yourself against fraud and
uninvited intrusion.
Passwords
Passwords are necessary to identify you and authenticate your permission
to access your online accounts. The passwords you use are encrypted.
Encryption is presently the most effective way to achieve data security.
Just as it is important for us to employ strict procedures to safeguard
your information, you also should take precautions in handling your
passwords. When selecting a password, we suggest that you use a combination
of letters and numbers and do not use words that can be easily associated
with you such as the name of a family member, a pet or the street
on which you live. We also suggest that you change your password regularly.
Personal Information
You should not share personal information with others unless you clearly
understand the purpose of their request and you know who you are dealing
with.
Your Online Security
To make sure your connection to the protected areas of the Moneris
websites is secure, look for either a 'closed lock' or an 'unbroken
key' icon located at the bottom right hand side of your browser's
task bar. You may also check the Address bar to determine if SSL (Secure
Socket Layer) is active by looking at the beginning of the address.
If it starts with "https" rather than the standard "http", then SSL
is operating.
Accessing and Amending Your Information
At Moneris, decisions are made based on the information we have. Therefore,
it is important that your Personal Information is accurate and complete.
As a customer, you have the right to access, verify and amend the
information held in your personal and financial files.
Accessing Your Information
For privacy-related matters, you may access and verify any of your
information by calling our customer contact centre at 1-866-319-7450.
Amending Your Information
To help us keep your Personal Information up-to-date, we encourage
you to amend inaccuracies and make corrections as often as necessary.
Despite our efforts, errors sometimes do occur. Should you identify
any incorrect or out-of-date information in your file(s), we will
make the proper changes. Where appropriate, we will communicate these
changes to other parties who may have unintentionally received incorrect
information from us.
To Make a Change
To make a change to the personal contact information contained in
your file, you may do one of the following:
- Call the relevant Customer Contact Centre number 1-866-319-7450
for Moneris merchant related matters, where one of our operators
will be available to receive your request for a change in your
personal contact information;
- Send a facsimile to us 416-232-8353 to request a change in your
personal contact information.
In each case, you will be required to verify your identity by providing
some personally identifying information.
About Cookies
What is a Cookie?
A cookie is a small computer file or piece of information that may
be stored in your computer's hard drive when you visit our websites.
On the Moneris websites, cookies are used to increase robustness and
to provide more efficient navigation. Cookies cannot view or retrieve
data from other cookies, nor can they capture files and data stored
on your computer.
Cookies may be used by the Moneris websites to improve functionality
and in some cases, to provide visitors with a customized online experience.
Although cookies have the capability of accomplishing a variety of
undertakings, Moneris only uses cookies when they provide an obvious
benefit to you.
If you would like to browse the Moneris websites, you may do so without
accepting cookies. However, you should understand that if you choose
not to accept cookies, some areas of the Moneris websites may not
function properly or optimally.
Cookies are widely used and most web browsers are configured initially
to accept cookies automatically. If you prefer not to accept cookies,
you may adjust your browser settings to alert you when a cookie is
about to be sent, or you may configure your browser to refuse cookies
automatically. If you would like to learn more about how to set your
cookie options, please refer to your browser's documentation or online
help for instructions.
Questions, Concerns and Complaints
If you have a question about the privacy policies stated on this site,
please call us at 1-866-319-7450.
Updating this Privacy Policy
Any changes to our privacy policy and information handling practices
will be acknowledged in this policy in a timely manner. We may add,
modify or remove portions of this policy when we feel it is appropriate
to do so. You may determine when this policy was last updated by referring
to the modification date found at the bottom of this privacy policy.
Websites Governed by this Privacy Policy
The websites that are governed by the provisions and practices stated
in this privacy policy are: http://www.myebiz.ca, http://www.moneris.com,
http://www.ernex.com, and http://www.giftcertificates.ca.
Other Websites
The foregoing websites may contain links to other third party sites
that are not governed by this privacy policy. Although we endeavor
to only link to sites with high privacy standards, our privacy policy
will no longer apply once you leave these websites. Additionally,
we are not responsible for the privacy practices employed by other
third party websites. Therefore, we suggest that you examine the privacy
statements of those sites to learn how your information may be collected,
used, shared and disclosed. |
|
|
|
|
