Welcome Letter Disclosure
If you have any questions about the service or you wish to cancel at any time, simply call us at 1-877-399-1944. If you call to cancel within 30 days of the date of this letter, you will not be billed. After the 30-day free period, the monthly charge of $19.99 plus applicable taxes will be billed to your President’s Choice Financial® Mastercard®. Of course, you can cancel any time after the free trial period and all future charges will be stopped. You will receive a pro-rated refund for the unused portion of your monthly fee.
We understand that protecting your identity and personal information is critically important to you. The services are provided to you through a partnership between Intersections Inc. ("Intersections") and Sigma Loyalty Group ("Sigma").
We want you to be fully informed about how your information is used and protected by Intersections and Sigma in providing the services.
In this Policy, Intersections and Sigma may be referred to individually, or collectively as "we", "us", and "our", as applicable to the areas of responsibility for collecting, handling and protecting your information.
Your Credit Report Information
As part of the services you have requested, we may, based on the authorization you have provided, retrieve or access your credit report information from credit reporting agencies on your behalf, and provide that information to you.
While Intersections provides your credit report, Sigma may also require access to your credit report to provide customer service support as needed by you.
Except for the purposes of customer service support, we do not disclose that credit report information to anyone except you.
Other Personal Information
In addition to your credit report information as described above, we collect other personal information in order to:
- Process your application for the services.
- Verify your identity and retrieve your credit report information.
- Provide other services to you, including payment processing, customer service and restoration services.
We collect information such as your name, mailing address, email address, phone number, date of birth, or other information that may be needed to verify your identity. Credit card or other payment information will also be collected.
Intersections may also collect credit card information from you for the purpose of providing internet surveillance, if requested by you.
Your personal information collected by Sigma may be obtained from your financial institution, or directly from you, for the purposes of enrolling you to receive this service.
Your personal information is shared with, or obtained directly by, Intersections for the purposes of delivering you the services, which includes obtaining your credit information, hosting and maintaining the website, providing internet surveillance, and providing you with ongoing credit bureau monitoring.
Information from Mobile Apps
If you use one of our mobile apps for the service, we may also collect mobile device-related information such as your device type/model, operating system and version in order to enable access to the services you have requested.
Information by Telephone
If you contact us by telephone, we may monitor and/or record your discussions with our customer service representatives for our mutual protection to confirm our discussions with you. We may also use your call for coaching and training purposes.
Information by Email
If you contact us by email, we will use your email address to acknowledge your comments and/or reply to your questions. Your email and our response may be stored by us as confirmation of our communication.
Intersections uses "cookies" to:
- help personalize our website
- ensure a secure connection when delivering services involving sensitive personal information
- analyze and optimize the use of the services
Cookies are small bits of computer code that your browser creates to store data locally on your computer or smartphone. Most Web browsers allow you to modify your settings to notify you when you receive a cookie or to reject cookies entirely.
If you decide not to accept cookies from our website, you might not be able to take advantage of all of its features.
Intersections may also use a third party service provider to gather and analyze information about the areas that have been visited on the website, to help us evaluate and improve the convenience of the website, and to help us evaluate some of the specific information related to your website visits.
To access your personal information on the website, you are required to select a user name and password. It is your responsibility to restrict access to your user name and password so that only you may gain entry to your personal information online.
If you have concerns that your user name or password may have been compromised, contact Customer Service immediately at 1-800-548-2610.
Confidentiality and Security
We recognize the importance of having advanced security on our systems to safeguard your information.
We maintain industry standard technical, physical, and administrative safeguards to protect your personal information against unauthorized access, use, modification, or disclosure while in our custody and control.
We review our security procedures regularly to ensure that they are properly administered and remain effective and appropriate.
Our website, and our services, are intended for use only by adults. We do not knowingly solicit or retain information from children.
Access to Your Information
Correction of any information contained within the credit report must be done by you through the credit reporting agency.
With the exception of your credit report information as outlined above, you have the right to access, update and correct inaccuracies in your personal information in our custody or control. To access your personal information, a request must be submitted in writing to us at:
Sigma Loyalty Group
P.O. Box 1700 STN D
We will take reasonable steps to verify your identity before granting access or making corrections.
We will respond to your request for access, update, and/or correction in a reasonable time. Certain changes to your personal information may be subject to legal restrictions and, if applicable, these will be communicated to you.
Retention of Personal Information
We will retain your personal information as long as you are enrolled in the service provided by us, and to satisfy any legal compliance.
We may transfer or disclose personal information to service providers who assist in the fulfillment of our services to you.
Our service providers are given only the information they need to perform their designated functions, and they are not authorized by us to use or disclose your personal information for any other purposes.
We require our service providers to protect personal information which has been provided to them in a manner that is consistent with our privacy and security practices.
Intersections may process and store your personal information in the United States. In certain circumstances, your personal information may be disclosed as required by law to law enforcement or regulatory agencies.
From time to time, we may contact you about our services and those of our partners. You may opt-out of being contacted about such services by contacting Customer Service at 1-800-548-2610.
Surveys and Customer Research
From time to time, we may offer you the opportunity to participate in one of our surveys or other customer research. We use this information to help us understand our customers and to enhance the product and service offerings.
Intersections, Sigma, our affiliates, and other service providers may be required to provide your personal information in response to:
- a search warrant or other legally valid inquiry or order,
- an investigative body permitted by applicable Canadian or U.S. law in the case of a breach or contravention of a law.
We may also disclose personal information where necessary to:
- Establish, exercise or defend a legal claim,
- Investigate or prevent actual or suspected loss or harm to persons or property.
In the event we are required by law to disclose personal information, we will take reasonable steps to verify the lawful authority for the collection, and disclose only the information that is legally required.
We may disclose personal information in connection with a proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets. This confidential disclosure would be for the purpose of evaluating and/or performing the proposed transaction.
We take our commitment to privacy seriously. We will investigate and respond in a reasonable time to your questions or concerns about the privacy of your personal information and our privacy procedures.
You may contact us by:
Use of the Service
You may not use the Service unless you are eighteen years of age or older. Any information you provide to us must be true, accurate, current, and complete. You shall not use the Service for any illegal purpose, and you shall abide by all applicable federal, provincial, local and international laws and regulations. The Service is for your personal use only, and not for commercial purposes. You may not use the Service to obtain information about or make decisions about anyone but yourself. You are solely responsible for any reliance by you on the Service or other use you make of the Service.
Personal Information Authorization
As needed to provide the Service to you, you authorize and instruct us to obtain, monitor and compile your credit information from one or more credit reporting bureaus or agencies, and other of your personal information for the purpose of providing the Service to you.
Limited Software License
Credit Reports and Scores
The Service is not intended to substitute for any free credit report or disclosure that any credit reporting agency or bureau is required by law to provide to you. Neither you nor anyone else has the right to have accurate and current information removed from your credit report. If information in your credit report is inaccurate you have the right to dispute it by contacting the credit bureau directly. Any credit score provided as part of the Service is provided to us by one of the credit bureaus in Canada and is not developed or created by us. Lenders and other creditors may use a different score to evaluate a person's creditworthiness. Each lender or other creditor has specific underwriting standards, so a person should not assume that he or she will receive the same evaluation, credit terms or conditions from each lender or creditor. We do not provide the Service, or any advice or assistance, for the purpose of improving your credit report, credit history or credit score.
Registering as an online user or subscriber with the Service requires both a user name and a password, and certain portions of the Service may require use of multiple one time or persistent passwords. You should consider your user names and passwords as confidential information. Anyone with knowledge of both your user name and password can gain access to the restricted portions of this Service and to your account. You must keep your user name and password confidential. You shall immediately notify us if you become aware of any loss or theft of your password or any unauthorized use of your user name and password. You must immediately change your user name and/or password as soon as you become aware of any loss or theft of your password or any unauthorized use of your user name and password. WE SHALL NOT BE LIABLE FOR ANY LOSS OR DAMAGE ARISING FROM YOUR FAILURE TO COMPLY WITH ANY OF THESE OBLIGATIONS. We reserve the right to delete or change a user name or password at any time and for any reason.
Fees and Charges
You authorize us to charge your credit card or other account that you have designated. To ensure uninterrupted service, your subscription will automatically renew until you cancel. Monthly, annual and other periodic or renewal fees will be charged at the then current rate. You may cancel the Service at any time by calling the toll free number provided by us. You have the right to cancel your subscription without fee or penalty at any time.
*Applicable taxes are HST for ON 13%, PEI 14%, NL, NB, NS 15% with the remaining provinces at GST 5% plus QC QST 9.975%. All tax rates are subject to change by the applicable regulatory authority. Sigma Loyalty Group Inc. GST /HST # is 76234 8522 RT0001, QST # is 1224069720-TQ0001
We reserve the right to modify these Terms and Conditions from time to time in accordance with applicable laws. We reserve the right to terminate your account with or without cause at any time and for any reason. You agree that any termination of your access to the Service may be effected without prior notice. You may terminate your account at any time by calling the number provided by us. Once your account has terminated for any reason, you will have no further right or access to use the Service, and you immediately shall cease using and destroy all copies of any Software.
Electronic Notices and Communications
The Service is only available for purchase by residents of the United States of America (the 'U.S.') or Canada. Further, you understand and acknowledge that you may not sign up for the PRIVACYPROTECT TM portion of the Service, or download the PRIVACYPROTECT TM software, from countries outside of the U.S or Canada. You agree to abide by U.S. and other applicable export control laws and not to transfer the Software to a national destination or person prohibited under such laws. Further, you acknowledge that the Software includes encryption software that may be subject to export, import, and/or use controls. Accordingly, in no event may the Software and the underlying information and technology may not be downloaded or otherwise exported or re-exported (i) into (or to a national or resident of) Afghanistan, Cuba, Iraq, Libya, Yugoslavia, North Korea, Iran, Syria or any other country to which the U.S. has embargoed goods; or (ii) to anyone on the U.S. Treasury Department's list of Specially Designated Nationals or the U.S. Commerce Department's Table of Deny Orders.
Privacy Protect Software: U.S. Government Restricted Rights
Third Party Products and Web Sites
Exclusion of Representations and Warranties
THE SERVICE IS PROVIDED ON AN "AS IS" BASIS ONLY. NEITHER WE, NOR ANY LICENSOR OR THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, MAKES, AND EACH EXPRESSLY DISCLAIMS, ANY REPRESENTATION OR WARRANTY OF ANY KIND, WHETHER EXPRESSED, IMPLIED, OR ARISING OUT OF COURSE OF DEALING OR USAGE, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, NONINTERFERENCE WITH DATA, AVAILABILITY, ACCURACY OR THAT THE SERVICE IS ERROR FREE OR SECURE. THE SERVICE CONTAINS INFORMATION PROVIDED BY ONE OR MORE THIRD PARTY CREDIT REPORTING AGENCIES OR OTHER THIRD PARTY DATA PROVIDERS. WE DO NOT CONTROL AND ARE NOT RESPONSIBLE FOR THE INFORMATION PROVIDED BY ANY SUCH THIRD PARTY PROVIDER. YOU ACKNOWLEDGE AND AGREE THAT NEITHER WE NOR ANY SUCH THIRD PARTY PROVIDER HAS ANY OBLIGATION TO CORRECT INFORMATION ABOUT YOU EXCEPT AS REQUIRED BY APPLICABLE LAW. INFORMATION YOU REQUEST MAY NOT BE AVAILABLE OR MAY NOT BE PROVIDED, AND WE HAVE NO LIABILITY FOR SUCH FAILURE. NEITHER WE NOR ANY THIRD PARTY DATA PROVIDER SHALL BE LIABLE FOR ANY DAMAGES CAUSED BY NON-DELIVERY, DELAYED DELIVERY, OR THE MISDIRECTED DELIVERY OF AN ALERT, UPDATE OR OTHER INFORMATION, INACCURATE OR INCOMPLETE INFORMATION IN AN ALERT, UPDATE OR OTHER INFORMATION, OR YOUR RELIANCE ON OR USE OF ANY ALERT, UPDATE OR OTHER INFORMATION. WE ASSUME NO RESPONSIBILITY FOR THE TIMELINESS, DELETION, MIS-DELIVERY OR FAILURE TO STORE ANY USER COMMUNICATIONS OR PERSONALIZATION SETTINGS. ANY SOFTWARE, MATERIAL AND/OR DATA DOWNLOADED OR OTHERWISE OBTAINED THROUGH THE USE OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK AND YOU SHALL BE SOLELY RESPONSIBLE FOR ANY INJURY, INCLUDING WITHOUT LIMITATION DAMAGE TO YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE DOWNLOAD OF SUCH MATERIAL AND/OR DATA.
Limitations of Liability
IN NO EVENT MAY WE, OR ANY LICENSOR OR THIRD PARTY PROVIDER OF ANY COMPONENT OF THE SERVICE OR OF ANY INFORMATION DELIVERED AS PART OF THE SERVICE, BE LIABLE FOR ANY CONSEQUENTIAL, INDIRECT, SPECIAL, EXEMPLARY, PUNITIVE OR SIMILAR DAMAGES ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES IN ADVANCE. OUR TOTAL LIABILITY ARISING FROM OR RELATED TO THE SERVICE MAY NEVER EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE DURING THE TWELVE MONTHS PRIOR TO THE DATE YOUR CLAIM ARISES. SOME JURISDICTIONS LIMIT OR PROHIBIT THE FOREGOING LIMITATIONS, AND IN SUCH JURISDICTIONS THE FOREGOING LIMITATIONS SHALL BE APPLIED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
Trademark and Copyright
© Intersections Inc. 2016. All rights reserved. INTERSECTIONS, CREDIT ALERT and PRIVACYPROTECT TM are trademarks or federally registered trademarks of Intersections Inc. The following are trademarks of third parties: Equifax is a registered trademark of Equifax, Inc.; TransUnion is a registered trademark of Trans Union of Canada, Inc.; and other trademarks are trademarks of their respective owners. The PRIVACYPROTECT TM Software is provided to you by us under a license from StrikeForce Technologies, Inc.