Quill Financial Corporation (“Quill“, “we“, “us” or “our“) is committed to protecting the privacy and confidentiality of personal information in our possession and control. This Privacy Policy explains the measures we take to fulfill these commitments and describes the manner in which Quill collects, uses, maintains, discloses and otherwise treats personal information of users (each, “User”, “you” or “your”) of our website at Quillfinancial.com, the card holder website at quillfinancial.mycardplace.com and the Quill mobile application (collectively with all subpages and successor pages, the “Site“) as well as through other products and services offered by Quill including through Quill’s call centre (collectively the “Services“) and other interactions with our clients and prospective clients.
By using the site, registering for or obtaining a service and/or providing us with personal information, you consent to the collection, use and disclosure of your personal information as described in this Privacy Policy.
Personal information
We collect personal information from Users directly, through their interactions with the Site and the Services, and through third parties, as described below.
We may collect personal information from Users in a variety of ways, including, but not limited to, when Users visit or use Quill Site, register for or use a Service, and in connection with other activities, services, features or resources we make available on or through our Site or through our call centre. Users may be asked their, as appropriate, name, address, email address, telephone number, date of birth, identification, and banking or other account information. Users may also provide us with other personal information when they contact us with questions, inquiries, complaints or suggestions. We may also collect information about how Users use our Site and Services.
We may collect personal information from third party partners with User consent. For example, we collect information about a User’s use of their Quill Card from the Card issuer or our other service provider(s).
If you create an account, you agree that we may verify your name, address, phone number, identification, and other account details with information about you held by third party sources and your mobile service provider in order to verify your identity and help protect against potential fraud, such as when someone other than you are trying to use your account or conduct a transaction without your permission, and you provide your consent for them to disclose and/or compare your information for this purpose.
Information we collect automatically through our Site
We may collect information about Users whenever they interact with our Site. This information may include the browser name, the type of computer and technical information about Users means of connection to our Site, such as the operating system and the Internet service providers utilized and other similar information. We use this information to understand how Users interact with our Sites, and to make improvements.
Cookies and Similar Technologies
Our Site uses a technology called “cookies”. A cookie is a tiny element of data that the Site can send to your browser, which may then be stored on your hard drive so that you can be recognized when you return. We use cookies on the Site to enhance User experience and in order to deliver personalized products and services. We also use cookies to provide us and our service providers with information about your use of the Site that we may use to personalize the Site or other content in accordance with your interests and preferences (e.g. language preference) and improve your user experience. You may set your Web browser to notify you when you receive a cookie or not accept certain cookies. However, if you decide not to accept cookies from the Site, you may not be able to take advantage of all other features of the Site.
Tracer Tags & Web Beacons
The Site may also use a technology called “tracer tags” or “Web Beacons”. This technology allows us to understand which pages you visit on the Site. These tracer tags are used to help us optimize and tailor the Site for you and other future visitors to the Site.
Online Advertising
We may use third parties to serve our advertisements on our Site or other Websites. These companies may use cookies, tracer tags or web beacons to report certain information about your visits to our Site and other websites (such as web pages you visit and your response to ads) in order to measure the effectiveness of our marketing campaigns to deliver ads that are more relevant and tailored to you, both on and off our Site.
How we use collected information
Quill may collect and use Users’ personal information for the following purposes:
To understand the User’s needs;
To analyze the suitability of our products or services for the customer;
To determine the User’s eligibility for our products and services;
To set up, manage and offer products and services that meet the User’s needs;
To provide ongoing service;
To meet legal and regulatory requirements
We may transfer personal information to outside agents or service providers including our affiliates acting in this capacity thatperform services on our behalf such as customer service support, marketing and analytics, data hosting or processing services, or similar services. Some of these service providers may be located outside of Canada, including in the United States,and as a result your personal information may be processed in the United States or elsewhere outside of Canada, where local laws may permit foreign government and national security authorities to access personal information in certain circumstances.
We may disclose personal information in connection with the proposed or actual financing, insuring, sale, assignment or other disposal of all or part of Quill or our business or assets, for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of Quill or our business or assets may use and disclose your personal information for similar purposes as those described in this Privacy Policy.
We may disclose personal information in other circumstances with User consent or as permitted or required by law, including as required by foreign laws applicable to us, our affiliates and service providers.
We may share generic aggregated demographic information not linked to any personal identification information regarding visitors and users with our business partners, trusted affiliates and advertisers for the purposes outlined above.
Your choices
Generally, by visiting our Site, using our Services, or otherwise providing us with personal information, we will assume that you consent to collection, our use and disclosure of such information for the purposes described in this Privacy Policy.
You may withdraw your consent to our collection, use and disclosure of personal information at any time, subject to contractual and legal restrictions and reasonable notice. However, if you withdraw your consent, certain functionality of the Site may not be available to you and we may not be able to provide you with certain Services.
You may ask that we do not use your personal information for marketing purposes by contacting us as described in the “Contacting us” section below or by using an unsubscribe feature found within our marketing communications, where applicable. Please note that if you ask us not to use your personal information for marketing purposes, you may still see certain types of ads from us (for example, online), but these will not be tailored to your interests.
Third party websites
Our Site may contain links to other websites that we do not own or operate. Also, links to our Site may be featured on third party websites on which we advertise. We may provide links to third party website as a convenience to the User. These links are not intended as an endorsement to or referral to the linked websites. The linked websites have separate and independent privacy policies, notices and terms of use, which we recommend you read carefully. We do not have any control over such websites, and therefore we have no responsibility or liability for the manner in which the organizations that operate such linked websites may collect, use or disclose, secure and otherwise treat your personal information.
Changes to this privacy policy
Quill may update or change this Privacy Policy at any time. When we do, we will revise the updated date at the bottom of this page. We encourage Users to frequently check this page for any changes to stay informed about we handle personal information. You acknowledge and agree that it is your responsibility to review this privacy policy periodically and become aware of conditions.
Your continued use of the Site or Services following the posting of changes to this policy will be deemed your acceptance of those changes.
Contacting us and Privacy Concerns
You may request access to or correction of your personal information in our custody or control, by writing to the address below, attention Compliance Officer. Your right to access or connect your personal information is subject to applicable legal restrictions. We may take reasonable steps to verify your identity before granting access or making corrections. If you have any questions about this Privacy Policy, or our personal information handling practices generally, please contact us at:
If you are not satisfied that Quill is operating in compliance with the requirements of this Policy, you may contact our Compliance Officer as described above, or you may file written complaint to the Office of the Privacy Commissioner of Canada.
