High Risk Match Inc. together with its affiliates, subsidiaries, and related entities (collectively, “High Risk Match”, “we”, “us” and “our”) are committed to the protection of your privacy. This privacy Notice (the “Notice”) explains why and how we collect, use, share, store, transfer, and protect (collectively, “Processing”, “Process” and any variation thereof) your Personal Information, as more fully described hereunder. How we Process your Personal Information may evolve over time, so this Notice may be updated from time to time to reflect any changing practices. This notice applies to all High Risk Match Merchants, unless they use a service covered by a separate privacy notice.

1. Our Privacy Philosophy

We value the trust that you have placed in our organization and are committed to maintaining the accuracy, confidentiality, and security of personal information. We will not collect, use, or disclose your personal information without your informed consent, unless required or permitted to do so by law. Read through this Privacy Policy (“Privacy Policy”) so you understand how we use, share, and store your data. This Privacy Policy applies to the main website of High Risk Match Inc. (“High Risk Match”), as well as to the websites of any affiliate and products and services offered by High Risk Match such as highriskmatch.com, (collectively, the “Website(s)”).

2. Our Policy

In this Privacy Policy, “High Risk Match”, “we”, or “us” refers to High Risk Match. All services mentioned are services provided by High Risk Match.

“You” refers to anyone who visits our website(s), our clients and third-party providers, and anyone who engages with our services. It’s our duty to inform you about what we’re doing with your personal information and why, and ensure you are properly informed so you can give us meaningful consent.

For the purposes of this Privacy Policy, “personal information” means information that: (i) can identify an individual directly; or (ii) is information about an identifiable individual. This does not include information that is used solely for the purpose of communicating or facilitating communication with an individual in relation to their employment, business, or profession.

3. Agreeing to the Terms of Our Privacy Policy

By providing personal information to High Risk Match, using our website(s) including highriskmatch.com (collectively, the “Website”), or engaging with our social media, you are consenting to our use, collection, and disclosure of your personal information in accordance with the terms of this Privacy Policy. Providing personal information or authorizing a third party to disclose personal information to us signifies your consent to High Risk Match’s collection, use, and disclosure of personal information in accordance with this Privacy Policy.

4. Types of Information Collected

The type of information that may be collected includes but is not limited to:

• Contact information such as your name, residential address, phone number, email address – we use this to communicate with you.
• If used to verify your identity, you may be asked for certain information, such as your date of birth, gender, social insurance number, other government identification (such as driver’s license or passport information), employment, and information about other financial accounts.
• If we wish to assess your suitability as a customer and your eligibility for credit-related products and services, we may ask you to provide us with information about your current and past employment, income, and assets.
• Information about how you use our products and services – we use this to provide these products and services to you, to protect us and your account (by spotting unusual activity), and to notify you about changes that will impact your products and services. We also use this to provide you with personalized products and services, to better understand your needs and preferences (including through data analytics), to personalize your experience on our websites and mobile applications, and to provide you with tailored communications and offers.
• Information about another individual – if need be and if you have a joint account or a legal guardian or personal representative, we will also collect personal information about those individuals.
• Other information you voluntarily provide to us, our employees, our service providers, or our contractors.

Information will be collected by fair and lawful means. We won’t take more information than we need, and you decide how and what you want to share.

5. Why We Collect Your Information

Here are some examples of why we collect personal information and how we use it:

• To verify your identity, including to meet our ‘know your client’, anti-money laundering, and sanctions obligations;
• To evaluate and process your application for an account or credit limit, including determining your eligibility;
• To obtain your credit report;
• To communicate with you about your loans, securities, or deposits;
• To make changes you request to your account;
• To process and keep track of transactions and report back to you;
• To detect and prevent theft, fraud and error, and to protect you, us, and others against theft, fraud and error;
• To analyze information to determine that relevant services are offered to you;
• To provide you with products and services, or information about products and services, that have been requested by you and/or that High Risk Match believes may be of interest to you and provide value to you;
• To inform you about new business initiatives including contacting you to obtain your views and to encourage you to express your views about them;
• To offer you the opportunity to participate in contests, giveaways, or other promotions;
• To conduct research and generate statistics related to our business, products, and services;
• For business purposes, such as data analysis, audits, developing new products, enhancing, improving or modifying our services, identifying usage trends, determining the effectiveness of our promotional campaigns, and operating and expanding our business activities;
• To help manage and assess our risks, operations, and relationship with you;
• To obtain and maintain insurance coverage;
• To comply with legal and governmental requirements;
• To fulfill any other purpose for which you provide it or with your consent; and
• If you hold a product that generates income, and we have your SIN, we may use it for tax reporting purposes and share income information with the Canada Revenue Agency. With consent, we may also use your SIN to match your personal information and your credit bureau information, or as an internal identification number to accurately identify customers having the same or similar names.

We will obtain your consent before proceeding with any other purpose not identified in this Privacy Policy.

6. How We Collect Your Information

Personal information may be collected in a number of ways, including: through our Website, in person, by mail, by email, from our applications or other software, and from third parties whom you have authorized to disclose personal information to us.

If you provide information about a third party or authorize a third party to do so, we will assume you have taken proper measures to obtain informed consent.

A) COOKIES

We may also collect information through “cookies” on our Website. Cookies are small text files inside your computer that contain a unique identifier, allowing us to recognize you when you visit our Website again. This helps us tailor our content to meet your needs and for advertising purposes. You may refuse to accept cookies by activating the setting on your browser which allows you to refuse the setting of cookies. However, if you select this setting you may be unable to access certain parts of our Website. By accepting cookies and continuing to visit or use our Website, you are agreeing to the use of cookies and similar technologies for the purposes we describe in this Privacy Policy.

Cookies can be used to: (i) recognize you when you visit the Website, remember your preferences, and give you a personalized experience that’s in line with your settings, (ii) make your interactions with the website faster and more secure, and (iii) bring you advertising and customized experiences through personalization. Further, cookies are used for authentication, security, and research.

To find out more about cookies, including how to see what cookies have been set and how to manage and delete them, visit wikipedia.org, allaboutcookies.org, or aboutcookies.org.

B) SOCIAL MEDIA

If you post a review, make a comment, or otherwise submit personal information on a public forum such as social media accounts or public forums on our Website or other applications, your communications may be viewable by the public.

7. Who We Share Your Information With

High Risk Match may share your information with third parties to support with providing our services, administering our business, and for such other purposes as set forth below, including:

• With affiliate companies: To assist us with offering the best services to you, we may share your personal information with our other companies and respective affiliates.
• With our employees: While performing their duties, our authorized employees may have access to personal information and other confidential information. Employees may only access personal information strictly necessary to perform their duties. All employees that are likely to have access to personal information must sign a Code of Ethics under which they commit to maintaining its confidentiality.
• With third-party product and service providers: We may disclose personal information to certain third-party product and service providers retained by us, to assist in providing you with products and services, or to perform certain specialized services to assist us in our business.

We only disclose to these providers the specific information they require to perform the services. Before we release any personal information to them, each of our providers must undertake to use the information solely to carry out the services they have been retained to provide, must agree to safeguard and respect the confidentiality of the information, and must agree to contractual terms that are consistent with our Privacy Policy. Third-party providers must also comply with applicable Canadian privacy laws.

When we use these providers, we may process, store, and transfer your personal information in and to a foreign country, with different privacy laws that may or may not be as comprehensive as Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of the relevant country may be able to obtain access to your personal information through local laws. Nevertheless, High Risk Match makes sure that we protect your information wherever we hold it.

• With third parties to meet our legal obligations: We may use and disclose personal information to meet our legal and regulatory obligations, or to comply with an order made by a court or other body with appropriate authority. We may be required to disclose information in response to a search warrant, subpoena, or other legally valid request. We may also disclose personal information to protect our legal rights or those of others.
• With third parties in the event of a sale, merger, or other transaction: We may disclose personal information to third parties in connection with the sale, merger, or transfer of High Risk Match, or any combination of its products or services. We will provide you with notice and an opportunity to opt out of the transfer of personal information if it involves personally identifiable information.

8. Protecting Your Information

High Risk Match has implemented various physical, technological, and organizational safeguards to protect your personal information. Some examples of the safeguards we use include:

• Limiting access to personal information to only those employees and contractors who require access to the information to provide products and services to you;
• Implementing physical safeguards, such as locked filing cabinets and restricted access to offices;
• Using technological safeguards, such as encryption, passwords, and firewalls;
• Conducting regular audits and assessments of our data protection practices to ensure we maintain the highest standards of data protection.

Despite these safeguards, no method of data transmission over the internet or method of electronic storage is completely secure. Therefore, while we strive to protect your personal information, we cannot guarantee its absolute security.

9. Retention and Destruction of Your Information

We will retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws and regulations. When your personal information is no longer required, we will securely destroy or anonymize it in accordance with our data retention and destruction policies.

10. Accessing and Correcting Your Information

You have the right to request access to the personal information we hold about you, and to request corrections if you believe the information is inaccurate or incomplete. To make such a request, please contact our Privacy Officer at the contact information provided below. We will respond to your request within a reasonable time and provide you with access to your personal information, subject to certain legal and business-related exceptions. If we deny your request for access, we will explain the reasons for the denial.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or other factors. When we make changes to this Privacy Policy, we will notify you by updating the effective date at the top of this policy and posting the revised policy on our website. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your personal information.

12. Contact Us

If you have any questions, concerns, or complaints about this Privacy Policy or our data protection practices, please contact our Privacy Officer at:

Attention: Privacy Officer

Email: info@highriskmatch.com
Phone: 1-877-242-2009

We will respond to your inquiries and work with you to resolve any concerns or complaints.

By continuing to use our website and services, you signify your acceptance of this Privacy Policy. If you do not agree with this Privacy Policy, please do not use our website or services.