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Website Privacy

In this policy, "we", "our" and "us" mean, as applicable, any of triOS Companies (namely triOS Corporation and triOS College Business Technology Healthcare Inc. or the collective group of companies, and "you" and "your" mean an individual who has made an application to us, or has provided a guarantee, for any financing or purchase of product or service offered by us.

When you enter into a purchase arrangement, or provide a guarantee in respect of, any of our products or services and while you are our customer you agree that:
1. We may collect and use personal information from you and about you for the following purposes:
a. To understand your needs.
b. To analyze the suitability of our products and services for you.
c. To determine your eligibility for our products and services.
d. To set up, manage and offer products and services that meet your needs.
e. To provide you with ongoing service.
f. To meet our legal and regulatory requirements.
g. To investigate and administer funding sources available to you.
 
2. We may collect, use and disclose your Social Insurance Number for purposes relating to administering funding sources available to you on your behalf (i.e. OSAP, Human Resources Development Canada).
3. We may share information (except health information) about you to other companies within the triOS group of companies so that they may tell you about their products and services. There are some examples where triOS will not seek your consent for disclosure to outside third parties. These examples are:

a. Where there is a legal obligation to disclose under a court or government order as for instance to detect or prevent illegal activity

b. Where personal information is given to their agents and service providers for services such as data processing of electronic fund transfers or loan collection

c. Where the disclosure is of regulated public information.

4. We may keep information about you in our records for as long is needed for the purposes described above, or as required by relevant regulatory requirements, even if you cease to be a customer.

5. All information which you give us at any time will be true and complete and you will not withhold any material information. You have the right to access, verify and update any personal information we have in your file.
6. We may use references you provide, to verify information, you give us and you authorize any person whom we contact in this regard to provide such information to us.

7. If any personal information changes or becomes inaccurate or out of date, you will tell us so we can revise our records.

Refusing or withdrawing Consent:

Subject to legal and contractual requirements, you can refuse to consent to our collection, use or disclosure of information about you, or you may withdraw your consent to our further collection, use or disclosure of information at any time in the future by giving us reasonable notice, provided the consent does not relate to certain information required for credit or financing arrangements which you apply for or accept. If you refuse or withdraw your consent, we may not be able to provide you or continue to provide you with some products, services or information which may be of value to you.

You can tell us any time to stop using information about you to market our products and services or to stop sharing information with other companies in the triOS group of Companies.
If you wish to refuse consent or to withdraw consent as outlined within this policy, you may do so at any time by contacting the office of triOS with whom you deal with.

In addition, if you apply for, accept, or guarantee, any for of credit facility with us:

When you apply for, or accept, or guarantee, a loan or credit facility and during the course of the loan or credit facility, we may use, give to, obtain, verify, share and exchange credit and other information (except health information) about you with others including credit bureaus, collection agencies, and other persons with whom you may have financial dealings, as well as any other person as may be permitted or required by law. You authorize any person whom we may contact in this regards to provide such information to us.
During the term of the loan or credit facility, you may not withdraw consent to our ongoing collection, use or disclosure of your personal information in connection with the loan or other credit arrangement you have with us or have guaranteed. We can continue to disclose such to credit bureaus even after your loan or credit facility has been retired, and you may not withdraw your consent to our doing so. We do this to help maintain the accuracy, completeness and integrity of the credit reporting system.

We may ask for your Social Insurance Number to use in verifying and reporting credit information to credit bureaus and credit collection agencies. If you wish to refuse consent of this right, then you must do so upon contracting with us. In doing so, you may not qualify for financial assistance through triOS.
Website and Internet Privacy

Data Collection
Our site uses registration forms that require consumers to provide contact information (i.e., name and email address). This contact information is used to facilitate the process of the service the consumer requests.  Consumers who opt in to receive offers may receive email, telephone calls or direct mail from triOS Offers or our partners. Users may opt out of receiving future communications; see the choice/opt-out section below.

Choice/Opt-Out
To opt-out of any of the mailing just reply to the email with remove in the subject line.

Security
This site has security measures in place to protect the loss, misuse and alteration of the information under our control. We are certified by VeriSign as a Soltrus Secure Site. This site uses SSL 128-bit encryption to transfer any personal information that you may submit on our site.

Cookies
Our site uses cookies when entering the site and once a form is submitted. The information that is stored is only an indicator that the application was filled.
A "cookie" is a piece of data that a web server creates when you visit a web site. This data is typically encoded information about how and when you use a site. It is placed on your PC in the form of a small text file.
Contrary to some media reports, cookies cannot carry viruses or other damaging data.

You can choose not to accept cookies. You may do this by setting your browser options to inform you when cookies are being sent. Alternately, you can set these options to deny cookies altogether. Please note, however, that by not accepting cookies you may limit the functionality that we can provide to you when you visit our site.

IP Address
We use your IP address to help diagnose problems with our server, to administer our Web site and to run demographic reports on where our visitors come from.  Your IP address is tied back to your personal information to help to fight against fraud. 

Legal Disclaimer
Though we make every effort to preserve your privacy we may need to disclose personal information when required by law wherein we have a good-faith belief that such action is necessary to comply with a current judicial proceeding, a court order or legal process served on our Web site.

Links
This site contains links to other sites. triOS is not responsible for the privacy practices or the content of such Web sites. Please read the privacy policies of these linked sites, because their privacy practices may differ from ours.

Accountability:
Ultimately the Senior Management of each triOS location is responsible for protecting customers’ personal information it its control. They will delegate day-to-day responsibility to other within the company.

Every triOS employee, as a condition of employment, takes responsibility for protecting customer privacy, confidentiality and security. This obligation remains in effect even after an employee leaves triOS.

triOS also has extensive controls to maintain the security of their operations and information systems. Physical access to those areas where information is gathered, processed or stored is restricted to authorized employees. Appropriate controls are in place over computer systems and data processing procedures and these controls are reviewed on an ongoing basis to ensure compliance with our security and privacy policies.
From time to time, triOS may destroy or erase any personal information when it is no longer needed. When information is destroyed or erased, triOS will take care that there is no unauthorized access.

Terms and Conditions (Online Registrations):
All quoted prices are in Canadian dollars and are subject to applicable taxes.
Please refer to important information regarding Return/Refund policy upon registration.
Further information:  If you have questions or concerns about personal information held by triOS, or about its compliance with the Privacy Policy, they can be answered at the location you deal with. If necessary, that location may direct you to head office personnel.
However, should location or head office personnel be unable to resolve your concerns you can follow complaint resolution procedures outlined in the Privacy Complaint Resolution Procedure Guide.

Privacy Complaint Resolution Procedure Guide
If a customer of triOS has a complaint in relation to handling of their personal information they should first refer to the Privacy Policy to define the circumstances where triOS has failed to adhere to the policy as they have set out.
The customer should first contact the local branch of the triOS office they dealt with and bring their complaint to the attention of the branch manager.

If the problem is not resolved by the Branch Manager then please contact:
triOS Head Office ( triOS Customer Support Centre )
Toll-free: 1-888-958-7467
Local: (905) 814-7212
Fax: (905) 813-8250
Address: 6755 Mississauga Rd., Suite 103, Mississauga, Ontario L5N 7Y2, Canada
Email: hr@trios.com

Be sure to include:
your name
your address, email address and where you prefer to be reached
if you prefer, fax number with area code
the nature of your complaint
details relevant to the matter and with whom you have already discussed the issue

Any correspondence received in this regard will be acknowledged with ten business days. A resolution will be offered within twenty business days.

If your concern is not resolved to your complete satisfaction after the twenty business days, please feel free to contact:
Federal Privacy Commissioner
112 Kent Street
Ottawa, Ontario K1A 1H3
Tel: 1-613-995-8210
Toll Free: 1-800-282-1376
 

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