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Policy on the protection of customer information

Optimax Credit Company Inc. is committed to protect the privacy and security of the personal information of all its customers, including those holding securities for which we are the Trustees. This policy explains the types of personal information we collect and how we use it, as well as the steps we take to ensure that such information is treated as it should be. Our policies and practices have been designed in accordance with the federal Act for the protection of personal Information and electronic documents or the corresponding provincial legislation on the protection of personal information. As applicable, they are collectively identified as "Laws on the protection of personal Information "

What is personal information?

Personal information is information about an identifiable individual. This includes registered and unregistered information, whatever their form, including home address, age, income, date of birth, ethnicity, medical history, credit history, payment history and credit card number. The following types of information are not considered as personal information:

Our commitment to the privacy of our customers is based on the following principles:

1. We are accountable to you

The Optimax Credit Company Inc. is responsible for all personal information in its possession or under its control, including any personal information provided to us by our agents or transferred to a third party for processing, storage or other. We have a designated officer whose job is to enforce our policy of privacy.

2. We tell you how we use your information

Most of the time, the reason is obvious given the context when we need to get personal information and the use we make of it, otherwise, the company Optimax Credit Inc. explains the reason for the need and use of this personal information.We act explicitly or implicitly when the use we make of your information is reasonably apparent from the nature of such information and given the context in which it was collected.

3. We obtain your consent to the collection, use and disclosure of your personal information

The Optimax Company obtains your consent to collect, use or disclose your personal information. The method by which we obtain your consent depends on the type of personal information collected, used or disclosed. Optimax Credit Company Inc. will obtain your explicit consent (verbal, written or electronic) for the collection, use or disclosure of personal sensitive information such as medical data or personal financial information. Optimax Credit Company Inc. uses your implied consent to collect, use or disclose your personal information if one or more of the following conditions apply:

In certain circumstances permitted by the laws on the protection of personal information, Optimax Credit Inc. may collect, use and disclose your personal information without your consent. Especially in emergency situations where Optimax Credit Inc. is not able to obtain your consent. For instance, when the Optimax Credit Company Inc. or its affiliates must collect debts or collect information in the course of an investigation or a prosecution by the Optimax Credit Company Inc or by a law enforcement agency. You can change your consent preferences for the collection, use and disclosure of your personal information at any time, given reasonable written notice and compliance with the exceptions permitted or required by the laws on privacy (e.g. where the withdrawal of consent would impede a legal obligation, such as the recovery of a loan). In many cases, withdrawal of consent may result in the loss of a benefit or service. To change your consent preferences for the collection, use and disclosure of your personal information, refer to the "Contact Us" section of this document.

4. We limit the collection of personal information

Optimax Credit Company Inc. collects only the personal information necessary for the delivery of our products and our services, including recoveries. We will collect personal information by employing reasonable and legal means. Here are some of the reasons for collecting  personal information:

5. We limit use, disclosure and retention of personal information

The Optimax Credit Company Inc. uses and discloses your personal information only for the purposes for which it was collected, unless the laws on information privacy allow. Optimax Credit Company Inc. does not sell nor rent your personal information to any organization or to any person for any purpose whatsoever. We do not share your personal information to third parties for the purpose of providing services to our customers or to get services to help us conduct our business. If we disclose your personal information to a third party, we will demand that it complies with this policy when it handles the personal information that we have entrusted to him.

Policy on Privacy of Optimax Credit Company Inc.

Optimax Credit Company Inc. regularly receives and discloses personal information about its customers from financial institutions as part of its activities and ensures that the correct procedures for service and accounting are followed. The Optimax Credit Company Inc. retains your personal information as long as it is required for our business relationship or as requirements stipulated by applicable laws.

6. We keep your personal information current and accurate

The Optimax Credit Company Inc. is committed to updating and ensuring accuracy and relevance of all personal information in its possession in accordance to the intended use. You can help us by updating your personal information (e.g. a change of address) simply by contacting us.

7. The security of your personal information is a priority

We take steps to protect your personal information, regardless of the formats in which it is held, including:

8. We give you access to your own personal information

You can request access to your personal information kept by Optimax Credit Inc. Customers wishing  to contact us can see the "Contact Us" section of this document. You can make the following requests:

9. How to protect your personal information

Besides the measures we take to protect your personal information, there are other measures that you can take to protect yourself from your side. We recommend that you never share your personal or financial information with others unless you understand the reasons for the request and that you ensure that the requester is a legitimate resource. We also recommend that you never disclose personal information or important financial details via email or voicemail.

10. Contact Us

If you receive a phone call, fax or a suspicious email from the Optimax Credit Company Inc. about any information or any application and you want to make sure that the message is really from us, or if you want discuss your concerns with our privacy agent, please contact us immediately by calling 1-800-663-0324.

You can also contact our privacy agent:

• by telephone at 514 312-3419
• by email at
• par mail at : Optimax Crédit Inc., 4865, Ambroise Lafortune, Suite 201, Boisbriand, Québec J7H 0A4

To the attention of the privacy Agent

Optimax Crédit Inc.
4865, Ambroise Lafortune, suite 201
Boisbriand, Québec J7H 0A4

If your question, concern or complaint has not been resolved to your satisfaction, you can also file a complaint as necessary to the privacy protection Commissioner of your region.