At Maxium, we understand the importance of privacy and the protection of personal
information. Doing business with a financial services provider involves sharing
personal information and we have always placed the highest value on ensuring the
confidentiality of this privileged information. We have prepared these Policies
to inform you of our ongoing commitment to ensuring that all personal information
obtained from our process is accurate and remains confidential.
Maxium is committed to its Core Values Program to ensure we develop and maintain
long-term relationships with our customers, business partners and employees. This
program defines our corporate culture and it demonstrates our ongoing commitment
towards developing like-minded professionals.
What is personal information?
We consider "personal information" to mean any information, recorded in
any form, about an identified individual, other than business contact information
(e.g. name, title, business address). Maxium, in the course of its activities, will
collect personal information, which may include:
- Identification information such as name, home address, telephone, personal email
address, date of birth, social insurance number (SIN) and marital status;
- Employment information such as salary, job title, references;
- Other information necessary to Maxium's purposes, which may be voluntarily disclosed
in the course of our relationship
Why Maxium Collects Personal Information
Maxium will collect, use and may disclose your personal information for the purposes
of:
- Determining customer eligibility for financial products, including identifying customers
or guarantors; assessing credit applications and conducting initial and periodic
credit checks;
- Where circumstances require, collecting amounts outstanding from customers and those
providing security for clients;
- Protecting against fraud; or
- Meeting legal and regulatory requirements, including tax or other reporting requirements
How Maxium Collects and Uses Personal Information
Maxium will only collect, use and disclose personal information for purposes that
would be considered reasonable under most circumstances. We use only fair and lawful
methods to collect personal information. Unless permitted by law, no personal information
is collected without first obtaining the consent of the individual to the collection,
use and dissemination of that information. Our use of personal information is limited
to the purposes described in this Policy and we do not sell, trade, barter, exchange
or disclose for consideration any personal information we have obtained.
Personal information will be collected, to the extent possible, directly from the
individual concerned. We may collect and use personal information from external
sources, including references you have provided, small independent leasing companies,
credit bureaus or other groups or companies where collection is necessary for the
purposes described above. For example, we need to know an individual's credit worthiness
for credit purposes where a person serves as a guarantor and we may contact other
lenders or credit bureaus to obtain information on their credit history.
When Maxium May Disclose Your Personal Information
Maxium may disclose your personal information to credit bureaus or financial institutions
involved in determining initial and ongoing customer eligibility for products and
services; who are bankers or funders of Maxium; who are involved in the transfer
of all or part of the assets or business of Maxium in connection with the securitization,
sale, assignment and/or financing or our financial transactions; who are in the
payment system including financial institutions or payment organizations; or who
are maintaining, reviewing and developing our business systems, procedures and infrastructure
including testing or upgrading our computer systems.
Your Consent
Your provision of personal information to Maxium means that you agree and consent
that we may collect, use and disclose your personal information in accordance with
this Privacy Policy. In most cases, and subject to legal and contractual restrictions,
an individual is free to refuse or withdraw his or her consent at any time upon
reasonable, advance notice. If you have a credit product or have provided a guarantee,
you may not withdraw your consent to share your personal information with other
lenders and credit bureaus as it is necessary to support the credit approval process.
The Accuracy and Retention of Personal Information
Maxium endeavors to ensure that any personal information in our possession is as
accurate, current and complete as necessary for the purposes for which we use that
information. We keep your personal information only as long as it is required for
the reasons it was collected. The length of time we retain information varies, depending
on the product and the nature of the information. This period may extend beyond
the end of your relationship with us but it will be only for as long as is necessary
for us to have sufficient information to respond to any issues that may arise at
a later date. When your personal information is no longer required, we will destroy,
delete or erase it into an anonymous form.
Protection of Personal Information
Maxium endeavors to maintain appropriate physical, procedural and technical security
so as to prevent any loss, misuse, unauthorized access, disclosure or modification
of personal information. We further protect personal information by restricting
access to it to those employees identified by management as requiring access to
it and for professional reasons only. We audit our procedures and security measures
on an ongoing basis to ensure our systems remain effective and appropriate.
Access to Your Personal Information
Maxium permits the reasonable right of access and review of personal information
held by us about an individual and will endeavor to provide the information in question
within a reasonable time. To guard against fraudulent requests for access, we may
require sufficient information to allow us to confirm that the person making the
request is authorized to do so before granting access.
Resolving your Privacy Concerns
In the event of questions about access to your personal information; our collection,
use, management or disclosure of personal information; or this Policy; please contact
Maxium's Privacy Officer, Anne Thistle, at 905-780-6150.
Maxium will investigate all complaints and, if a complaint is justified, Maxium
will take all reasonable steps to resolve the issue.