Privacy Policy

This Privacy Policy is effective December 2016.

We understand that protecting your identity and personal information is critically important to you.

The services are provided to you through a partnership between Intersections Inc. ("Intersections") and Sigma Loyalty Group ("Sigma").

We want you to be fully informed about how your information is used and protected by Intersections and Sigma in providing the services.

In this Policy, Intersections and Sigma may be referred to individually, or collectively as "we", "us", and "our", as applicable to the areas of responsibility for collecting, handling and protecting your information.

Your Credit Report Information

As part of the services you have requested, we may, based on the authorization you have provided, retrieve or access your credit report information from credit reporting agencies on your behalf, and provide that information to you.

While Intersections provides your credit report, Sigma may also require access to your credit report to provide customer service support as needed by you.

Except for the purposes of customer service support, we do not disclose that credit report information to anyone except you.

Other Personal Information

In addition to your credit report information as described above, we collect other personal information in order to:

  • Process your application for the services.
  • Verify your identity and retrieve your credit report information.
  • Provide other services to you, including payment processing, customer service and restoration services.

We collect information such as your name, mailing address, email address, phone number, date of birth, or other information that may be needed to verify your identity. Credit card or other payment information will also be collected.

Intersections may also collect credit card information from you for the purpose of providing internet surveillance, if requested by you.

Your personal information collected by Sigma may be obtained from your financial institution, or directly from you, for the purposes of enrolling you to receive this service.

Your personal information is shared with, or obtained directly by, Intersections for the purposes of delivering you the services, which includes obtaining your credit information, hosting and maintaining the website, providing internet surveillance, and providing you with ongoing credit bureau monitoring.

Information from Mobile Apps

If you use one of our mobile apps for the service, we may also collect mobile device-related information such as your device type/model, operating system and version in order to enable access to the services you have requested.

Information by Telephone

If you contact us by telephone, we may monitor and/or record your discussions with our customer service representatives for our mutual protection to confirm our discussions with you. We may also use your call for coaching and training purposes.

Information by Email

If you contact us by email, we will use your email address to acknowledge your comments and/or reply to your questions. Your email and our response may be stored by us as confirmation of our communication.

Cookie Information

Intersections uses "cookies" to:

  • help personalize our website
  • ensure a secure connection when delivering services involving sensitive personal information
  • analyze and optimize the use of the services

Cookies are small bits of computer code that your browser creates to store data locally on your computer or smartphone. Most Web browsers allow you to modify your settings to notify you when you receive a cookie or to reject cookies entirely.

If you decide not to accept cookies from our website, you might not be able to take advantage of all of its features.

Intersections may also use a third party service provider to gather and analyze information about the areas that have been visited on the website, to help us evaluate and improve the convenience of the website, and to help us evaluate some of the specific information related to your website visits.

Restricted Access

To access your personal information on the website, you are required to select a user name and password. It is your responsibility to restrict access to your user name and password so that only you may gain entry to your personal information online.

If you have concerns that your user name or password may have been compromised, contact Customer Service immediately at 1-800-548-2610.

Confidentiality and Security

We recognize the importance of having advanced security on our systems to safeguard your information.

We maintain industry standard technical, physical, and administrative safeguards to protect your personal information against unauthorized access, use, modification, or disclosure while in our custody and control.

We review our security procedures regularly to ensure that they are properly administered and remain effective and appropriate.

Children's Privacy

Our website, and our services, are intended for use only by adults. We do not knowingly solicit or retain information from children.

Changes to Our Privacy Policy

From time to time, we may update our Privacy Policy to provide greater clarity about our information handling practices.

If however, we should make a substantive change to our Privacy Policy that significantly impacts how we collect, use, or disclose personal information, we will post a notification on our website in advance of the implementation.

Access to Your Information

Correction of any information contained within the credit report must be done by you through the credit reporting agency.

With the exception of your credit report information as outlined above, you have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us at:

Sigma Loyalty Group
P.O. Box 1700 STN D
Toronto, Ontario
M9A 5C7

We will take reasonable steps to verify your identity before granting access or making corrections.

We will respond to your request for access, update, and/or correction in a reasonable time. Certain changes to your personal information may be subject to legal restrictions and, if applicable, these will be communicated to you.

Retention of Personal Information

We will retain your personal information as long as you are enrolled in the service provided by us, and to satisfy any legal compliance.

Service Providers

We may transfer or disclose personal information to service providers who assist in the fulfillment of our services to you.

Our service providers are given only the information they need to perform their designated functions, and they are not authorized by us to use or disclose your personal information for any other purposes.

We require our service providers to protect personal information which has been provided to them in a manner that is consistent with our privacy and security practices.

Intersections may process and store your personal information in the United States. In certain circumstances, your personal information may be disclosed as required by law to law enforcement or regulatory agencies.

Additional Offers

From time to time, we may contact you about our services and those of our partners. You may opt-out of being contacted about such services by contacting Customer Service at 1-800-548-2610.

Surveys and Customer Research

From time to time, we may offer you the opportunity to participate in one of our surveys or other customer research. We use this information to help us understand our customers and to enhance the product and service offerings.

Legal Compliance

Intersections, Sigma, our affiliates, and other service providers may be required to provide your personal information in response to:

  • a search warrant or other legally valid inquiry or order,
  • an investigative body permitted by applicable Canadian or U.S. law in the case of a breach or contravention of a law.

We may also disclose personal information where necessary to:

  • Establish, exercise or defend a legal claim,
  • Investigate or prevent actual or suspected loss or harm to persons or property.

In the event we are required by law to disclose personal information, we will take reasonable steps to verify the lawful authority for the collection, and disclose only the information that is legally required.

Business Transactions

We may disclose personal information in connection with a proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets. This confidential disclosure would be for the purpose of evaluating and/or performing the proposed transaction.

If required, our assignees or successors may use and disclose your personal information for similar purposes as those described in this Privacy Policy in order to continue providing you with our services.

Accountability

We take our commitment to privacy seriously. We will investigate and respond in a reasonable time to your questions or concerns about the privacy of your personal information and our privacy procedures.

You may contact us by:

  • Calling our Customer Service Contact Centre at 1-800-548-2610
  • Email to privacy.canada@sigmaloyaltygroup.com
  • Mail to the Privacy Officer at Sigma Loyalty Group, P.O. Box 1700 STN D, Toronto, Ontario M9A 5C7

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