At The Cyberbahn Group we respect your right to privacy and understand our duties in protecting it. We are required to comply with Federal legislation effective January 1st 2004, governing the use, collection and disclosure of personal information.
The private information you share with us remains with us at all times. We will provide your information as required by legislation, only to those to whom you have authorized us to release it. In addition to this, any authorized release of information will only be made to organizations that meet the legislated requirements of privacy protection.

Use of Information TOP
In order to provide our service to you, we may collect, use and disclose personal information in the following ways:

• To determine your financial situation by collecting credit and related financial information
• To facilitate the provision of our services by sharing your information with our third party service providers, credit and debit card associations, credit agencies and similar parties connected to credit or debit card services
• To investigate potentially fraudulent or questionable activities regarding your account or use of our services
• To offer 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

Privacy Officer TOP
If you have any privacy questions or concerns, please contact us at 416-595-9522. You may also contact our privacy officer by mail at:

Privacy Officer (Att. Barbara Conway)
Cyberbahn
60 Adelaide Street East
5th Floor
Toronto, Ontario
M5C 3E4

Or by email to barbara.conway@thomsonreuters.com

If you are unsatisfied with our response, you can reach the Privacy Commissioner of Canada at:

112 Kent Street,
Ottawa, ON
K1A 1H3
1.800.282.1376

Privacy Code TOP
The Cyberbahn Group is required to comply with Federal legislation effective January 1st 2004, governing the use, collection and disclosure of personal information. Based on the provisions of this legislation all clients must complete the Use of Personal Information Consent Form (.PDF)

What is Personal Information TOP
The term "Personal Information" will include any and all identifiable information about an individual, but does not include the name, title or business address or business telephone number of an employee of an organization.

Changes To This Privacy Code TOP
We reserve the right to make changes to our Privacy Code in order to comply with regulations. Any changes made will be communicated via our website at http://uat.cyberbahngroup.com.   Please ensure that you visit this site from time to time for updates.

Marketing TOP
Promotions may be targeted to individuals whose information on file indicates that a certain product may be of interest to them. Distribution of marketing materials may include mail and telemarketing initiatives. Individuals will have the opportunity to request exclusion from such marketing initiatives.

The Ten Principles Of Privacy: TOP
Accountability of Cyberbahn
Cyberbahn is accountable for all personal information in its possession or control, including any personal information transferred to third parties for processing. Cyberbahn has established policies and procedures to comply with this Privacy Code, and has designated one person to be accountable for compliance.

Identifying Purpose of Collecting Personal Information TOP
Cyberbahn will inform individuals of the purpose for which personal information will be used before or when they consent to its collection.

Requesting Consent TOP
Cyberbahn will obtain consent before or when it collects, uses or discloses personal information about an individual. An individual can provide consent to the collection, use and disclosure of personal information about them expressly, implicitly, or through an authorized representative. An individual can withdraw consent at any time, with certain exceptions, (for instance when we are required or authorized by law to reveal information.) Cyberbahn will collect, use or disclose personal information without an individual's consent only in limited circumstances as permitted or required by law.

Limitations on Collections TOP
Cyberbahn limits the amount and type of personal information it collects. Cyberbahn will collect personal information only for the identified purposes or as otherwise permitted by law. If you apply to Cyberbahn for employment purposes, we will need to consider your personal information as part of our hiring procedure. We may retain this information unless we are specifically requested not to do this if no job offer is forthcoming. If a job offer is made and accepted, the information will be retained in accordance with our privacy procedure for employee records.

Accuracy of Information TOP
Cyberbahn will keep the personal information in its possession or control accurate, complete, current and relevant, based on the most recent information available to Cyberbahn. Individuals may challenge the accuracy and completeness of personal information about them and have it amended as appropriate.

Safeguards with Respect to Personal Information TOP
Cyberbahn protects personal information with safeguards appropriate to the sensitivity of the information. All premises and networks are properly secured in order to protect information collected. Please note that our website contains links to other websites which are not covered by this particular privacy policy. Cyberbahn will, however, not provide any identifiable personal information to third party websites without the requisite permission.

Policies and Procedures TOP
Cyberbahn will be open about the procedures used to manage personal information. Individuals will have access to information about these procedures through this Privacy Code by contacting the Privacy Officer via e-mail or in writing at the abovementioned addresses. 

Access To Personal Information TOP
When an individual requests it, Cyberbahn will advise the individual what personal information Cyberbahn has in its possession or control about the individual, what it is being used for, and to whom it has been disclosed. Prior to doing this, Cyberbahn will confirm the identity of the person seeking access to such personal information. When an individual requests it, Cyberbahn will give an individual access to personal information about them which is in the possession or control of Cyberbahn. In certain situations, however, Cyberbahn may not be able to give individuals access to all of their personal information. Reasons for such denial of access to information will be provided to you.

Compliance and Questions TOP
Individuals may challenge Cyberbahn's compliance with this Privacy Code. Complaints and inquiries should be directed to the Privacy Officer.

Privacy Code - General Consent TOP
Use of Personal Information Consent Form Cyberbahn is required to comply with Federal legislation effective January 1st 2004, governing the use, collection and disclosure of personal information. Based on the provisions of this legislation all clients must complete the Use of Personal Information Consent Form.
The Cyberbahn computer systems, which are used to process your financial transactions, employ strong controls to ensure the security of Consumer information. Access controls, including but not limited to firewalls are used to protect internal systems from unauthorized external access through use of hardware and software from the Internet and our internal computer systems.