Privacy Policy
Privacy Policy
Privacy Policy
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.
Education Information: Information concerning your education history, including degrees earned and student loan details, if relevant to the financial services provided.
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?
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.
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.
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." Rewards and behavioral data: In addition to the financial information described above, we collect and generate data related to your use of our rewards and home savings features. This includes information about:
which merchants and categories you spend with,
the Points, credits, or bonuses you earn,
how and when those Points are redeemed or applied to eligible housing related transactions, and
your participation in promotions, sweepstakes, or referral programs.
We use this information to operate and improve the Quarters platform, calculate rewards, prevent fraud and misuse, and generate anonymized and aggregated analytics and benchmarks.
Use of bank account connection data for rewards and insights
When you connect your bank account, we receive transaction information from our aggregation partners. We use this data to:
• identify eligible transactions and calculate Points, credits, and rewards,
• provide you with personalized financial insights and housing related recommendations,
• determine your eligibility for certain promotions or partner offers, and
• build anonymized and aggregated analytics about spending patterns, which we may license to partners such as retailers, financial institutions, or other enterprises.
Partners who receive these analytics do not receive your name, bank account number, or raw transaction history. They receive only aggregated and anonymized statistics that are designed not to identify any individual.
Continued use of anonymized and aggregated data
If you withdraw your consent or close your account, we will stop using your personal information for new, identifiable purposes and will delete or de identify your personal information in accordance with our retention schedules and applicable law. We may continue to use information that has been anonymized and aggregated in a way that no longer identifies you, for example to maintain historical benchmarks, models, or analytics about spending patterns. When we refer to “anonymized” information, we mean information that has been processed so that it no longer relates to an identifiable individual and cannot reasonably be used to re identify you.
Where necessary to apply rewards or Points to an eligible housing related transaction, we may share limited information with third parties such as landlords, property managers, brokerages, lenders, or closing agents, for example to confirm your eligibility or to arrange payment on your behalf. We do not sell your identifiable personal information to third parties.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.
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.
Education Information: Information concerning your education history, including degrees earned and student loan details, if relevant to the financial services provided.
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?
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.
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.
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." Rewards and behavioral data: In addition to the financial information described above, we collect and generate data related to your use of our rewards and home savings features. This includes information about:
which merchants and categories you spend with,
the Points, credits, or bonuses you earn,
how and when those Points are redeemed or applied to eligible housing related transactions, and
your participation in promotions, sweepstakes, or referral programs.
We use this information to operate and improve the Quarters platform, calculate rewards, prevent fraud and misuse, and generate anonymized and aggregated analytics and benchmarks.
Use of bank account connection data for rewards and insights
When you connect your bank account, we receive transaction information from our aggregation partners. We use this data to:
• identify eligible transactions and calculate Points, credits, and rewards,
• provide you with personalized financial insights and housing related recommendations,
• determine your eligibility for certain promotions or partner offers, and
• build anonymized and aggregated analytics about spending patterns, which we may license to partners such as retailers, financial institutions, or other enterprises.
Partners who receive these analytics do not receive your name, bank account number, or raw transaction history. They receive only aggregated and anonymized statistics that are designed not to identify any individual.
Continued use of anonymized and aggregated data
If you withdraw your consent or close your account, we will stop using your personal information for new, identifiable purposes and will delete or de identify your personal information in accordance with our retention schedules and applicable law. We may continue to use information that has been anonymized and aggregated in a way that no longer identifies you, for example to maintain historical benchmarks, models, or analytics about spending patterns. When we refer to “anonymized” information, we mean information that has been processed so that it no longer relates to an identifiable individual and cannot reasonably be used to re identify you.
Where necessary to apply rewards or Points to an eligible housing related transaction, we may share limited information with third parties such as landlords, property managers, brokerages, lenders, or closing agents, for example to confirm your eligibility or to arrange payment on your behalf. We do not sell your identifiable personal information to third parties.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.