Privacy Policy

My Quarters: Privacy Policy Effective Date: 2024/07/01 Introduction Welcome to My Quarters, a fintech platform provided by My Quarters Company ("we," "our," or "us"). This Privacy Policy outlines how we collect, use, share, and protect your personal information in compliance with Bill C-27. By using the My Quarters platform, you agree to the practices described in this Privacy Policy. Consumer Reporting Activity My Quarters operates in compliance with Bill C-27 and relevant provincial legislation concerning the collection, use, and sharing of personal data used in our financial services. Your data remains within our secure infrastructure located within the designated jurisdiction. Employment Data My Quarters restricts the utilization of personal data acquired through our employment-related services. Personal Data Collected by My Quarters We understand the importance of safeguarding your personal data. This section outlines the categories of personal data we collect when you use our services: Name and Contact Information: We collect your first and last name, email address, postal address (current and former), phone number, and other similar contact details to facilitate communication and provide our services. Identifiers: In certain cases, we may collect government-issued identifiers such as social insurance numbers, which may be necessary for accurate identification in our financial services. Demographic Information: Information like your date of birth and gender may be collected to help verify your identity and provide tailored services. Account Information: Details regarding your My Quarters account, including account credentials, device information, IP addresses used to access your account, and other personal data you've added to enhance your account functionality. Commercial Information: We may gather information about products or services you've purchased or considered, as well as your spending history, to improve our services and tailor offerings to your needs.

Payment Information: To process payments for our services, we may collect payment card details including account numbers and associated security codes, ensuring secure and seamless transactions. Financial Information: Information about your financial accounts, outstanding balances, loan history, and bill payment records, which aids in assessing your financial stability. Professional or Employment-Related Information: If applicable, we may collect data regarding your employment history, status, and compensation to better understand your financial capability. Support Information: Data you provide when seeking support, such as the content of your communications with My Quarters's support team. For quality assurance purposes, interactions like phone conversations, video conferences, or chat sessions with our representatives may be monitored and recorded. 10. Education Information: Information concerning your education history, including degrees earned and student loan details, if relevant to the financial services provided. 11. Public Records Information: In compliance with applicable laws, we may access publicly available information lawfully provided by government entities. This could include details from legal proceedings, bankruptcy records, and lien registrations. How Do We Collect Data? 1. Direct Collection: We collect personal data directly from you when you interact with our services. This may include information you provide during the sign-up process, account creation, and when using our financial tools. 2. Third-Party Sources: We may obtain information from third parties to enhance our financial services. This information could include details from financial institutions, credit bureaus, and other relevant sources. 3. Automated Data Collection: When you access our platform, we, along with our third- party service providers, automatically gather certain information through various technologies such as cookies, third-party data collectors, and server-to-server connections. Retention, Transfer, and Disclosure of Personal Data We will retain your personal data only for the duration necessary to fulfill the purposes outlined in this Privacy Policy and in compliance with Bill C-27. Your personal data may be processed at My Quarters's operational offices and other locations where processing parties are situated. This could involve transferring your data to computers located outside your jurisdiction where data protection laws may differ. My Quarters will ensure that all reasonable measures are taken to secure your data in compliance with this Privacy Policy. Data Security We employ commercially acceptable means to protect your data, including advanced cybersecurity services, firewalls, and other security protocols integrated into our third-party service providers. Children's Privacy Our services are not directed to individuals under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. Data Security and Jurisdiction We place paramount importance on safeguarding your data in accordance with the provisions of Bill C-27 and the laws of the Province of Ontario. Withdrawing Your Consent You have the right to withdraw your consent for us to collect, use, and disclose your Personal Information. To initiate the withdrawal process, please reach out to us by email or in writing using the contact information provided in the "Contact Us" section of this policy. Changes to the Privacy Policy We reserve the right to update this Privacy Policy as needed. Any changes will be posted on our platform with an updated "Effective Date." Data Sharing and Third-Party Services We may share your personal data with third-party service providers for business purposes, including analytics, advertising, and improving user experience. These third parties are contractually obligated to protect your data and may not use it for any other purpose. User Choices and Rights You have the right to access, correct, or delete your personal data stored by My Quarters. You can also object to or restrict My Quarters's processing of your data. To exercise these rights, please contact us using the information in the "Contact Us" section. Cookies and Tracking Technologies We use cookies and similar tracking technologies to collect and use personal information about you, including to serve interest-based advertising. You have the option to disable cookies through your browser settings. International Data Transfers Your personal data may be transferred to and processed in countries other than the country in which you are a resident. These countries may have data protection laws that are different from those of your country. We take appropriate safeguards to ensure that your personal data will remain protected in accordance with this Privacy Policy. Updates to this Privacy Policy We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. Contact Us For any inquiries, comments, or concerns regarding this Privacy Policy, you can contact our Privacy Officer via email at tamur@shahlawyers.ca or through mail at 315 Traders Blvd E Suite 3, Mississauga, ON L4Z 3E4.