Statement of Privacy Policy

Collecting and Using Personal Information

"Personal information" is defined by the law to mean information concerning an identifiable individual.

Collecting personal information about you is essential in our ability to offer you high-quality products and to provide you with on-going services relating to your product protection needs. We take great care to keep your personal information accurate, confidential and secure.

We will inform you of how we intend to use the personal information collected about you, and will use this information only for those specific purposes. Also, we will only collect information needed for those stated purposes. If we wish to use your information for any other purpose, we will obtain your consent beforehand.

You may withdraw consent for us to collect, use or release your information, and we will record and respect your choices. If your choice has an impact on our ability to provide you with our services, we will advise you.

Uses of Personal information

We ask for your information to establish a customer profile, so that we can better meet and serve your needs. The information we obtain depends on the product or service we are providing you.

When you choose to place your business with us, we only ask for information necessary to provide the service or product suited to your needs.

Sometimes, we ask for information required to satisfy legal requirements imposed on us. When we request information, we explain why we need the information where not self evident. If anything remains unclear to you, however, please ask.

Safeguards for Personal Information

Personal information is protected by security safeguards appropriate to the sensitivity of the information. As we deal with highly sensitive information concerning finances of our clients, this is of paramount importance to us. Our safeguards protect personal information against loss or theft, as well as unauthorized access, copying, use, disclosure, or modification. The methods of protection include:

1. Employee measures (e.g. impressing upon each employee the position of trust that we hold, security clearances and limiting access on a "need-to-know'' basis);

2. Physical measures (e.g. building access cards for employees, visitor registration and identification cards, off-site backups and archiving);

3. Technological measures (e.g. the use of routinely changing passwords, firewalls and segmented operator access).

Who can Answer Questions Regarding Privacy

If you have questions or concerns relating to your personal information, voice them to us. We are committed to safeguarding your privacy and we want you to feel confident entrusting your personal information to us.

If you have a concern or query about your privacy, the person with whom you are directly dealing may be able to satisfy such concern. Our customer representatives are trained to assist in this regard. Such representative may refer you to the manager of the relevant department or alternatively, the company's Privacy Officer.

The Privacy Officer is the person with overall accountability for maintaining the privacy of personal information within our company.