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PRIVACY POLICY


NATIONAL BANK INSURANCE AUTO | HOME 


YOUR INSURANCE COMES WITH A PRIVACY PROMISE.

National Bank Insurance Auto | Home and Belair Insurance Company Inc., partners
to offer you your home and car insurance, are committed to protecting your
personal information. We have created this Privacy Promise as a means to inform
you of our privacy practices. This Privacy Promise outlines our responsibilities
and your rights when it comes to the collection, use and disclosure of your
personal information. For the purposes hereof, "we", "our" and "our" mean
National Bank Insurance Auto | Home and / or Belair Insurance Company Inc., as
applicable.


INFORMATION WE COLLECT AND HOW WE COLLECT IT

The information we collect depends on the insurance products you apply for and
buy, the services you have access to and use, the payment method you use, and
the way you communicate with us. We collect information in a number of ways:

 1. Information you give to us
    We collect personal information from you when you inquire about our
    insurance policies, request a quote, apply for insurance, make a payment, or
    open a claim under your insurance policy. This information includes personal
    information such as your name, contact information, marital status, driver’s
    license, vehicle or property descriptions, loan or mortgage details, and
    payment or banking information.
 2. Information we get from third parties
    We also collect information from a number of third parties as permitted by
    law. These include insurance agents and brokers, government bodies, consumer
    reporting agencies, insurance adjusters, home contractors, auto shops, and
    other third parties who can provide information about or services related to
    you or your insured vehicle or property. When we do so, we do it with your
    consent, or otherwise confirm the third party lawfully collected the
    information and can share it with us. This information includes personal
    information such as (but not limited to):
    * Driving record and claims history
    * Credit information
    * Accident reports
    * Witness statements
    * Medical records
 3. Callsand other communications
    We may record calls and other communications between us to ensure quality
    customer service, confirm our discussions and your instructions, resolve
    complaints, and train our staff. If you do not want your communications
    recorded, you can do business with us by visiting our offices, or by writing
    or emailing us.
 4. Cookies, web beacons, and other technologies
    We may use cookies, web beacons and other technologies to identify you on
    our website, to gather information about how you use our website, and to
    enable our and third party web-based services. For information about the
    cookies, web beacons and other technologies we use visit our webpage
    cookies. Note that if you disable these, you may not be able to successfully
    access parts of our website.
 5. Consenting for others 
    We may ask you for information about other persons covered by your insurance
    (for example, listed drivers). When you give us information about another
    person, we expect you to ask for their permission to do this and consent to
    this Privacy Promise on their behalf.


WHY WE COLLECT, USE AND DISCLOSE INFORMATION

We collect, use and disclose personal information for a number of reasons
including to:

 * serve you better and communicate effectively with you;
 * verify your identity and property;
 * assess and underwrite insurance risks;
 * determine prices, fees and premiums;
 * investigate and adjust insurance claims;
 * settle or arrange for the settlement of insurance claims, including
   structured settlements;
 * promote and market products and services offered by us;
 * conduct market research;
 * recognize and deliver relevant ads to you on our and third party websites and
   apps;
 * verify and provide information to and compile statistics for insurance
   industry databases;
 * report to regulatory or industry entities consistent with prudent and legally
   required insurance industry practices, including claims history;
 * detect, prevent and suppress fraud, unauthorized, or illegal activities;
 * comply with all applicable laws, including tax requirements;
 * share your information with third party service providers for external
   processing such as data or payment processing;
 * share your information to our affiliates for the purposes described above,
   except solicitation.


WHEN WE DISCLOSE INFORMATION

When we disclose your personal information to third parties, we require them to
protect and handle your personal information in a manner consistent with our
privacy practices and all applicable laws. These third parties may at times
process and store your information outside of Canada. If your personal
information is processed or stored in a foreign country, it will be subject to
that country’s laws and may be disclosed in accordance with those laws.

 1. Business transactions
    If we enter talks about a merger, acquisition or asset sale with a third
    party, we may share your personal information with them as necessary to
    assess or complete the business transaction. If your information will be
    subject to new privacy practices as a result of a business transaction, we
    will give you notice of this.


HOW TO CORRECT AND ACCESS YOUR INFORMATION

You have the right to request correction of your personal information. You also
have a right to access your personal information under our control, subject to
any legal restrictions or rights of refusal. However, if you exercise this
access right, we may charge you a reasonable fee for copying and sending the
information from your file. If you want to access your file or have it
corrected, please contact our Privacy Office.


HOW TO WITHDRAW YOUR CONSENT

You may withdraw your consent to the collection, use and disclosure of your
personal information, subject to certain limitations. However, if you do so, we
may not be able to continue to provide you with our insurance products and
services, or our best rate on your insurance policy. You may also withdraw your
consent to the collection, use and disclosure of your personal information for
marketing practices. If you want to withdraw your consent, please contact
our Privacy Office.


QUESTIONS OR CONCERNS? WE WANT TO HEAR ABOUT IT.

For questions or concerns about this Privacy Promise, or our privacy practices,
please contact our Privacy Office at:

National Bank Insurance Privacy Office 
7101 Jean-Talon St E
Anjou, Quebec
H1M3T6 
Phone : 1 855 251-2525 
E-mail address: service.clientele@nbc-insurance.ca

We will respond to your request within thirty (30) days of receiving it.

If you have a concern we are not able to resolve, you have the right to contact
your privacy regulator. Our Privacy Office will give you this contact
information upon request.

We may update this Privacy Promise from time to time so please review it often.
If we update our Privacy Promise, we will post the most recent version on this
website.

Effective Date: January 1, 2017.

 




NATIONAL BANK LIFE INSURANCE COMPANY


STRICTLY BETWEEN YOU AND US


A CONFIDENTIAL MATTER

Safeguarding your personal information is one of our top priorities.
Underpinning our commitment to your privacy is our Code of Conduct and Ethics,
our various policies and practices, and our Privacy Officer, who ensures that
these policies and practices are followed.

You can contact the Bank’s Privacy Officer by email at confidentiality@nbc.ca or
by regular mail at 700 De La Gauchetière Street West, Transit 5416‑1, Montreal,
Quebec, H3B 3B5.


 


OBTAINING CONSENT

Your consent is essential. Before we obtain your consent in writing or by phone,
we take care to clearly explain our practices to you.


 


PROVIDING SERVICES

To be able to offer you products and services you want, we need to gather some
basic information about you. For example, when you apply for insurance, we will
ask you for your name, address and telephone number. Other types of information,
including the state of your health and your employment situation, allow us to
check your eligibility for certain types of products. Your personal information
may be collected by third parties on our behalf, such as our duly authorized
service providers.

In certain cases, we may record telephone interviews between you and our
representatives. The purpose of the recording will be explained each time you
are recorded.

With your consent, we may also obtain information from a third party to help us
determine your eligibility for our products and services. In addition, we may
obtain certain personal information from other insurers or the Medical
Information Bureau. Your consent is given on the forms used for specific
insurance products or, from time to time, on a separate form. Occasionally, your
consent is recorded by our automated call recording system.


 


IDENTIFYING YOU

We may need your social insurance number (SIN) to comply with tax legislation.
For example, if you take out a life annuity, we will ask for your SIN so that we
can issue tax receipts.

Your SIN also makes it easier for us to identify you with public registries,
government authorities and employers. Although you are not required to disclose
your SIN for identification purposes, we think it is in your interest to do so.


 


RESPECTING YOUR CHOICES

With the appropriate consent1, we may contact you to offer products and services
that may interest you. The consent you give us to contact you by telephone or
fax takes precedence over the National Do Not Call List2.

At any time, you may refuse to receive our product and service offers and other
promotional communications by calling our Customer Service. If you no longer
want to receive promotional emails, simply click on the unsubscribe link in the
message and follow the instructions. Your choice will take effect as soon as our
systems are updated and always within the prescribed time frame. National Bank
Life Insurance may, however, continue to send you renewal notices and other
information related to your insurance contract.

Rest assured that your choice will not impact the services you receive. 

We may need to use or share your personal information in order to offer,
maintain and manage our products and services. In these situations, if you
refuse or withdraw your consent we will be required to cancel our services.

 

1 NBLIC is not necessarily required to contact you to obtain consent since
legislation sometimes allows for implied consent. For example, Canada’s
Anti-Spam Legislation allows us to send promotional emails to individuals with
whom we have existing business relationships, provided they are able to
unsubscribe from these messages. For more information on Canada’s Anti-Spam
Legislation, go to www.fightspam.gc.ca.

2For further information about the National Do Not Call List, go to
www.lnnte-dncl.gc.ca or call 1-866-580-3625.


 


RESPECTING YOUR PRIVACY

Under certain circumstances, we must disclose your information to third parties.
When we do share your information, we only share what’s necessary.


WHEN REQUIRED TO SERVE YOU

We may share your information with third parties, including other insurance
companies, reinsurers or the Medical Information Bureau, in order to offer you
products and services.

We sometimes contract outside providers to perform certain services, such as
sending documents. Our service providers are carefully selected. Suppliers are
required to sign a confidentiality agreement to access personal information and
may only use that information for the purposes outlined in the agreement.
Furthermore, they are required to ensure the same level of protection as is
provided by NBLIC. When we contract suppliers, they are only given the
information necessary to perform the requested services.

Some of our service providers are located outside Canada. Others, though located
in Canada, may store or process your information outside the country. In either
case, your information may be subject to the laws of the country in which it is
held, including the United States.

If you have any questions about the services provided by our suppliers or the
countries where your information may be held, please contact the Privacy Officer
(contact details at the beginning of this policy).


WHEN REQUIRED BY LAW

There are certain situations where we are legally permitted or required to
disclose information about you. We may therefore disclose your information to
various authorities or agencies, including international authorities, notably
those in the United States.


WHEN WE NEED TO PROTECT OUR OWN INTERESTS

If we are involved in court proceedings, we may have to disclose personal
information about you.


WHEN PUBLIC INTEREST IS ENDANGERED

We are authorized to investigate any suspected criminal activity and report
certain situations. We may contact the authorities and disclose certain
information.


 


ACCESSING YOUR INFORMATION

In order to offer you services related to your insurance contract and to follow
up on your contract, we create a file containing your personal information.
Access to this file is limited to the individuals who are authorized to consult
it. You have the right to access the information we hold about you free of
charge, unless legal restrictions apply. To do so, we ask that you send a
request by email to the Access to Personal Information Officer at
insurance@nbc.ca or by regular mail to the following address:

National Bank Life Insurance Company
1100 Robert-Bourassa Blvd., 5th Floor
Montreal, QC  H3B 2G7

We will respond to your request within 30 days of receipt, unless we inform you
that it will take longer, as permitted by law under certain circumstances.


 


KEEPING INFORMATION ACCURATE

We take reasonable measures to keep personal information as accurate, complete
and current as possible. We rely on you to inform us of any change, errors or
inaccuracies concerning your information. If need be, we will do what we can to
inform third parties with whom we have shared your information of any changes.


 


SAFEGUARDING YOUR PERSONAL INFORMATION

We take reasonable precautions to safeguard your information from loss, theft
and destruction, and from unauthorized access, disclosure, duplication, use or
modification, regardless of how or where it is stored. To this end, we have
implemented various security measures, such as:

 * Physical measures: including the protection of infrastructures, e.g.,
   ensuring that access to our premises is secure and that equipment is in a
   secure location.
 * Administrative measures: aimed at limiting access to your personal
   information. Only employees who need to consult your information for work
   purposes may do so.
 * Technical measures: such as closely managing passwords and using a firewall.

 

Retaining and Destroying Information

We retain your information only as long as it is needed. If you stop doing
business with us, we must retain certain information in order to, among other
reasons, comply with laws, settle future transactions or obtain proof of past
transactions. When this information is no longer necessary, it is destroyed.
When destroying your information, we follow strict rules and ensure that only
authorized personnel have access to it.


 


UPDATING THIS POLICY

We reserve the right to update this policy at any time. Any changes will come
into effect on the date of the most recent update. By continuing to use our
services after this date, you accept the changes made to the policy.


 


QUESTIONS

If you have questions or comments regarding how your personal information is
managed, contact the Access to Personal Information Officer by email at
insurance@nbc.ca or by regular mail at the following address:

National Bank Life Insurance Company
1100 Robert-Bourassa Blvd., 5th Floor
Montreal, QC  H3B 2G7

You may also contact National Bank’s Privacy Officer, who is responsible for
ensuring compliance with legislation regarding the protection of personal
information.

Privacy Officer
700 De La Gauchetière Street West
Transit 5416-1
Montreal, Quebec  H3B 3B5
confidentiality@nbc.ca

You also have the option of contacting the Privacy Commissioner of Canada at the
following address:

Privacy Commissioner of Canada
30 Victoria Street
Gatineau, QC  K1A 1H3
Toll-free: 1-800-282-1376
www.priv.gc.ca

Or you may contact the Privacy Commissioner for your province:

Commission d’accès à l’information du Québec
Suite 1.10575 Saint-Amable Street
Quebec City, QC  G1R 2G4
Toll-free: 1-888-528‑7741
Tel.: 418-528-7741
Fax: 418-529-3102
www.cai.gouv.qc.ca

Office of the Information and Privacy Commissioner of Alberta
9925 – 109 Street, Suite 410
Edmonton, AB  T5K 2J8
Toll-free: 1-888-878-4044
Tel.: 780-422-6860
www.oipc.ab.ca

Information and Privacy Commissioner for British Columbia
P.O. Box 9038, Stn. Prov. Govt.
Victoria, BC  V8W 9A4
Toll-free: 1-800-663-7867
Tel.: 250-387-5629
www.oipc.bc.ca




BNC ASSISTANCE INC.


A CONFIDENTIAL MATTER

At National Bank of Canada1, we have always made it a priority to protect your
personal information.

As part of our ongoing efforts to ensure that your rights are fully respected,
we have developed policies and procedures aimed at protecting the personal
information. Our commitment to privacy is an integral part of our Code of
Professional Conduct, to which all Bank employees must strictly adhere.

Moreover, National Bank of Canada has appointed a privacy officer to ensure that
the principles in our policies and procedures are strictly observed. You can
contact the privacy officer by e-mail at confidentiality@nbc.ca or by regular
mail at 700 de La Gauchetière West, transit 4125-1, Montreal, Quebec, H3B 3B5.

 

1. Means National Bank of Canada, its successors and assigns, and all its
subsidiaries offering to the public in Canada deposit and lending services,
credit, debit and payment cards, trust services, custodial, brokerage,
insurance, assistance and other personal financial services, including National
Bank Trust Inc., National Bank Investments Inc. and Natcan Trust Company. Some
subsidiaries may be subject to specific statutes. A list of our main Canadian
subsidiaries can be obtained at any National Bank branch.

 


A QUESTION OF SERVICE

To be able to offer you the products and services that are best suited to your
needs, we require basic information about you that only you can give. For
example, when you open a bank account, we will ask you for your name, address
and telephone number. If the account generates interest, we also need your
social insurance number to comply with current tax laws. Similarly, as some laws
require that we identify you, we will need to obtain certain information
concerning your identity documents and to record some of that information.
Lastly, if you would like advice on investment, credit or trust products, we
need to know specific financial information about your file in order to serve
you properly. Other types of information, such as the state of your health,
enable us to check your eligibility for certain types of products. In certain
situations, collection of your personal information may be done by one of our
service providers, on our behalf.

With your consent, we may also obtain information directly from a third party to
help us determine your eligibility for our financial products and services. For
credit products, for example, it is essential that we know your financial worth
and your credit record. We will therefore contact other lenders, financial
institutions, credit bureaus and employers.

In most cases, your consent is given on the forms used for specific products or,
from time to time, on a separate form. You will notice that the declaration of
consent is clear and unambiguous. We suggest that you read it over and, if you
have any questions, please ask the staff at your branch or write to us at
confidentiality@nbc.ca.

Your refusal to give consent could prevent us from acting on your behalf, and
you may be refused a particular product or service as a result. However, once
you have been granted credit, we cannot withdraw your consent to disclose
information about your credit record to other lenders and to credit bureaus.
This measure is designed to preserve the integrity of the credit lending
process.

 


A QUESTION OF IDENTIFICATION

We also need your social insurance number to comply with tax legislation. For
example, if you open an account that generates interest or if you invest in a
retirement savings plan or retirement income fund, we will ask for your social
insurance number so that we can issue tax receipts.

Your social insurance number also helps us identify you with financial
institutions, public registries, regulatory authorities and bodies, employers
and professionals. It can also enable us to distinguish your information from
that of other clients whose name may be similar to yours. This differentiation
is particularly important when we have to check your creditworthiness. Although
you are not required to disclose your social insurance number for identification
purposes, we think it is in your interest to do so.

 


A QUESTION OF CHOICE

With the appropriate consent2, the Bank, its subsidiaries and, in certain cases,
its carefully selected partners3, may contact you to offer you products and
services that may interest you. The consent you give to the Bank to contact you
by telephone or fax takes precedence over the National Do Not Call List4. 

At any time, you may refuse to receive our product and service offers and other
promotional communications. Simply notify the Bank (by contacting your branch or
TelNat), the subsidiary (by contacting your representative) or the partner. If
you no longer wish to receive electronic promotional messages, simply click on
the unsubscribe link in the message and follow the instructions. Your choice
will take effect as soon as our systems are updated and always within the
prescribed timeframe. Rest assured that your choice will not impact the services
you receive. However, the Bank may continue to send you regulatory inserts, post
messages on your account statements or ABM transaction records, and provide you
with information on its products and services in person.

 

2. The Bank is not necessarily required to contact you to obtain consent since
the legislation sometimes allows for implied consent. For example, Canada's
Anti-Spam Legislation allows us to send electronic promotional messages to
individuals with whom we have existing business relationships, provided they are
able to unsubscribe from these messages. For more information on the Anti-Spam
Legislation, go to www.fightspam.gc.ca or call 1-800-328-6189.

3. Here's our partners. For further information about our partners, you can call
1-888-622-2783 (toll-free).



Aimia, a global leader in loyalty management, has unique capabilities and proven
expertise in delivering proprietary loyalty services, launching and managing
coalition loyalty programs, creating value through loyalty analytics and driving
innovation in the emerging digital and mobile spaces. In Canada, Aimia designs,
launches and operates new client programs. Aimia also offers world-class data
analytics through its Intelligent Shoppers Solutions suite of tools and has a
minority position in Cardlytics, a pioneer of transaction-driven marketing in
banking. For more information, please visit: www.aimia.com.

4. For further information about the National Do Not Call List, go to
www.lnnte-dncl.gc.ca or call 1-866-580-DNCL.

 


A QUESTION OF RESPECT

Under certain circumstances, we must disclose your information to third parties.
When doing so, however, we take care to ensure your information is protected.

IF REQUIRED TO SERVER YOU

In order to offer you our products and services, we must occasionally disclose
information about you to third parties such as credit bureaus, our subsidiaries
or affiliates, or some of our service providers.

If, for instance, you authorize us to convey information concerning your
creditworthiness or credit record to other lenders or to credit bureaus, the
only information disclosed is your identity and your ability to meet your
financial obligations.

In order to offer you our products and services and to comply with the measures
necessary to manage risks and update your client profile, we sometimes disclose
your personal information to other subsidiaries or affiliates of National Bank
of Canada where permitted by law. We inform them of changes to be made to your
file, which simplifies and accelerates the processing of your applications and
transactions. Information about your health, which is disclosed when you sign up
for an insurance product, is not accessible to the other National Bank of Canada
subsidiaries or affiliated companies.

In providing certain services to you, such as printing cheques or issuing bank
cards, we occasionally use suppliers, some of which may be located outside of
Canada, namely in the United States. When applicable, these suppliers will only
have access to the information they need to provide the service. We require a
formal commitment from them to respect the confidentiality of any such
information.

If you have questions concerning the services rendered by our suppliers or the
countries from which they may have access to your personal information for the
purposes explained herein, please contact the Privacy officer at the
above-mentioned address.

IF REQUIRED BY LAW

We are legally bound to disclose information about you when we or one of our
service providers receives a valid request, search warrant, subpoena or other
government or court order. These requests may come from Canadian or foreign
authorities, most likely American.

IF WE MUST PROTECT THE BANK'S INTERESTS

In cases where we are involved in court proceedings, we may have to disclose, on
our own initiative, personal information about you. Moreover, if we must return
an NSF cheque, a third party would then know that your account is overdrawn.
Similarly, if we must use a collection agency, a third party could then deduce
that you are not meeting your financial obligations to us.

IF PUBLIC INTEREST IS ENDANGERED

It is our duty to denounce criminal activity such as fraud or money laundering.
In all such cases, authorities will be contacted and personal information could
be disclosed at that time.

 


A QUESTION OF ACCESS

You can consult your personal information that we have on file free of charge.
Simply submit a request in writing to your branch, subsidiary representative or
by using the e-mail option of the menu of your Internet Banking Solutions
profile. We will respond to your request within thirty (30) days.

 


A QUESTION OF ACCURACY

We will do our utmost to keep your personal information up to date, but we ask
that you help us by notifying us of any change in your information. In addition,
if you notice any errors or inaccuracies, please let us know and we will make
the necessary corrections. If we have conveyed incorrect information to third
parties, we will do everything possible to bring these corrections to their
attention.

 


A QUESTION OF SECURITY

We take the necessary precautions to prevent your information, regardless of its
form or location from being lost, destroyed, stolen, consulted, disclosed,
copied, used or altered without authorization. We have implemented various
security measures, such as: 

 * Physical measures: Including the protection of infrastructure, such as
   ensuring that access to our premises is secure, and that equipment is in a
   secure location.
 * Administrative measures: Aimed at limiting access to your personal
   information. Only employees who need to consult your information for work
   purposes may do so.
 * Technical measures: Such as closely managing passwords and using a firewall. 

Moreover, the passwords, user codes and personal identification numbers (PIN)
you use to access certain financial services are confidential and you are the
only one who knows them. Our employees have no way of accessing this information
and will never ask you for it. You should never disclose your passwords, user
codes or PINs, or include personal information in e-mails. We invite you to
consult the ABCs of Security on our website at www.nbc.ca.

 


A QUESTION OF DOCUMENT RETENTION AND DESTRUCTION

Your personal information is kept only for as long as the service is provided.
The retention period may vary, depending on the product or service offered. Even
if you stop doing business with us, we might keep some information in order to,
among other reasons, comply with laws, settle future transactions or look up
past transactions. When this information is no longer necessary, it is
destroyed. When destroying documents, we follow strict procedures and ensure
that only authorized personnel has access to them.

 


ANY QUESTIONS?

If you have questions or comments regarding how your personal information is
managed, contact the Customer Service Manager at your branch, TelNat, your
subsidiary representative or write to us at one of the following addresses:

Privacy Officer
700 de La Gauchetière West
Transit 4876-1
Montreal, Quebec  H3B 3B5
confidentiality@nbc.ca

For further information on this subject, consult the “For better banking
relations with you” pamphlet, available at all our branches. In it you will find
a complete description of the complaint settlement process and information on
how you can contact the Ombudsman for Banking Services and Investments.

You also have the option of contacting the Privacy Commissioner of Canada at the
following address:

Privacy Commissioner of Canada
30 Victoria St.
Gatineau, QC  K1A 1H3
Toll-free: 1-800-282-1376

National Bank of Canada takes privacy seriously and ensures that all the
necessary measures are in place to protect your personal information.




NATIONAL BANK INSURANCE FIRM 


A CONFIDENTIAL MATTER

At National Bank of Canada1, we have always made it a priority to protect your
personal information.

As part of our ongoing efforts to ensure that your rights are fully respected,
we have developed policies and procedures aimed at protecting the personal
information. Our commitment to privacy is an integral part of our Code of
Professional Conduct, to which all Bank employees must strictly adhere.

Moreover, National Bank of Canada has appointed a privacy officer to ensure that
the principles in our policies and procedures are strictly observed. You can
contact the privacy officer by e-mail at confidentiality@nbc.ca or by regular
mail at 700 de La Gauchetière West, transit 4125-1, Montreal, Quebec, H3B 3B5.

 

1. Means National Bank of Canada, its successors and assigns, and all its
subsidiaries offering to the public in Canada deposit and lending services,
credit, debit and payment cards, trust services, custodial, brokerage,
insurance, assistance and other personal financial services, including National
Bank Trust Inc., National Bank Investments Inc. and Natcan Trust Company. Some
subsidiaries may be subject to specific statutes. A list of our main Canadian
subsidiaries can be obtained at any National Bank branch.

 


A QUESTION OF SERVICE

To be able to offer you the products and services that are best suited to your
needs, we require basic information about you that only you can give. For
example, when you open a bank account, we will ask you for your name, address
and telephone number. If the account generates interest, we also need your
social insurance number to comply with current tax laws. Similarly, as some laws
require that we identify you, we will need to obtain certain information
concerning your identity documents and to record some of that information.
Lastly, if you would like advice on investment, credit or trust products, we
need to know specific financial information about your file in order to serve
you properly. Other types of information, such as the state of your health,
enable us to check your eligibility for certain types of products. In certain
situations, collection of your personal information may be done by one of our
service providers, on our behalf.

With your consent, we may also obtain information directly from a third party to
help us determine your eligibility for our financial products and services. For
credit products, for example, it is essential that we know your financial worth
and your credit record. We will therefore contact other lenders, financial
institutions, credit bureaus and employers.

In most cases, your consent is given on the forms used for specific products or,
from time to time, on a separate form. You will notice that the declaration of
consent is clear and unambiguous. We suggest that you read it over and, if you
have any questions, please ask the staff at your branch or write to us at
confidentiality@nbc.ca.

Your refusal to give consent could prevent us from acting on your behalf, and
you may be refused a particular product or service as a result. However, once
you have been granted credit, we cannot withdraw your consent to disclose
information about your credit record to other lenders and to credit bureaus.
This measure is designed to preserve the integrity of the credit lending
process.

 


A QUESTION OF IDENTIFICATION

We also need your social insurance number to comply with tax legislation. For
example, if you open an account that generates interest or if you invest in a
retirement savings plan or retirement income fund, we will ask for your social
insurance number so that we can issue tax receipts.

Your social insurance number also helps us identify you with financial
institutions, public registries, regulatory authorities and bodies, employers
and professionals. It can also enable us to distinguish your information from
that of other clients whose name may be similar to yours. This differentiation
is particularly important when we have to check your creditworthiness. Although
you are not required to disclose your social insurance number for identification
purposes, we think it is in your interest to do so.

 


A QUESTION OF CHOICE

With the appropriate consent2, the Bank, its subsidiaries and, in certain cases,
its carefully selected partners3, may contact you to offer you products and
services that may interest you. The consent you give to the Bank to contact you
by telephone or fax takes precedence over the National Do Not Call List4. 

At any time, you may refuse to receive our product and service offers and other
promotional communications. Simply notify the Bank (by contacting your branch or
TelNat), the subsidiary (by contacting your representative) or the partner. If
you no longer wish to receive electronic promotional messages, simply click on
the unsubscribe link in the message and follow the instructions. Your choice
will take effect as soon as our systems are updated and always within the
prescribed timeframe. Rest assured that your choice will not impact the services
you receive. However, the Bank may continue to send you regulatory inserts, post
messages on your account statements or ABM transaction records, and provide you
with information on its products and services in person.

 

2. The Bank is not necessarily required to contact you to obtain consent since
the legislation sometimes allows for implied consent. For example, Canada's
Anti-Spam Legislation allows us to send electronic promotional messages to
individuals with whom we have existing business relationships, provided they are
able to unsubscribe from these messages. For more information on the Anti-Spam
Legislation, go to www.fightspam.gc.ca or call 1-800-328-6189.

3. Here's our partners. For further information about our partners, you can call
1-888-622-2783 (toll-free).



Aimia, a global leader in loyalty management, has unique capabilities and proven
expertise in delivering proprietary loyalty services, launching and managing
coalition loyalty programs, creating value through loyalty analytics and driving
innovation in the emerging digital and mobile spaces. In Canada, Aimia designs,
launches and operates new client programs. Aimia also offers world-class data
analytics through its Intelligent Shoppers Solutions suite of tools and has a
minority position in Cardlytics, a pioneer of transaction-driven marketing in
banking. For more information, please visit: www.aimia.com.

4. For further information about the National Do Not Call List, go to
www.lnnte-dncl.gc.ca or call 1-866-580-DNCL.

 


A QUESTION OF RESPECT

Under certain circumstances, we must disclose your information to third parties.
When doing so, however, we take care to ensure your information is protected.

IF REQUIRED TO SERVER YOU

In order to offer you our products and services, we must occasionally disclose
information about you to third parties such as credit bureaus, our subsidiaries
or affiliates, or some of our service providers.

If, for instance, you authorize us to convey information concerning your
creditworthiness or credit record to other lenders or to credit bureaus, the
only information disclosed is your identity and your ability to meet your
financial obligations.

In order to offer you our products and services and to comply with the measures
necessary to manage risks and update your client profile, we sometimes disclose
your personal information to other subsidiaries or affiliates of National Bank
of Canada where permitted by law. We inform them of changes to be made to your
file, which simplifies and accelerates the processing of your applications and
transactions. Information about your health, which is disclosed when you sign up
for an insurance product, is not accessible to the other National Bank of Canada
subsidiaries or affiliated companies.

In providing certain services to you, such as printing cheques or issuing bank
cards, we occasionally use suppliers, some of which may be located outside of
Canada, namely in the United States. When applicable, these suppliers will only
have access to the information they need to provide the service. We require a
formal commitment from them to respect the confidentiality of any such
information.

If you have questions concerning the services rendered by our suppliers or the
countries from which they may have access to your personal information for the
purposes explained herein, please contact the Privacy officer at the
above-mentioned address.

IF REQUIRED BY LAW

We are legally bound to disclose information about you when we or one of our
service providers receives a valid request, search warrant, subpoena or other
government or court order. These requests may come from Canadian or foreign
authorities, most likely American.

IF WE MUST PROTECT THE BANK'S INTERESTS

In cases where we are involved in court proceedings, we may have to disclose, on
our own initiative, personal information about you. Moreover, if we must return
an NSF cheque, a third party would then know that your account is overdrawn.
Similarly, if we must use a collection agency, a third party could then deduce
that you are not meeting your financial obligations to us.

IF PUBLIC INTEREST IS ENDANGERED

It is our duty to denounce criminal activity such as fraud or money laundering.
In all such cases, authorities will be contacted and personal information could
be disclosed at that time.

 


A QUESTION OF ACCESS

You can consult your personal information that we have on file free of charge.
Simply submit a request in writing to your branch, subsidiary representative or
by using the e-mail option of the menu of your Internet Banking Solutions
profile. We will respond to your request within thirty (30) days.

 


A QUESTION OF ACCURACY

We will do our utmost to keep your personal information up to date, but we ask
that you help us by notifying us of any change in your information. In addition,
if you notice any errors or inaccuracies, please let us know and we will make
the necessary corrections. If we have conveyed incorrect information to third
parties, we will do everything possible to bring these corrections to their
attention.

 


A QUESTION OF SECURITY

We take the necessary precautions to prevent your information, regardless of its
form or location from being lost, destroyed, stolen, consulted, disclosed,
copied, used or altered without authorization. We have implemented various
security measures, such as: 

 * Physical measures: Including the protection of infrastructure, such as
   ensuring that access to our premises is secure, and that equipment is in a
   secure location.
 * Administrative measures: Aimed at limiting access to your personal
   information. Only employees who need to consult your information for work
   purposes may do so.
 * Technical measures: Such as closely managing passwords and using a firewall. 

Moreover, the passwords, user codes and personal identification numbers (PIN)
you use to access certain financial services are confidential and you are the
only one who knows them. Our employees have no way of accessing this information
and will never ask you for it. You should never disclose your passwords, user
codes or PINs, or include personal information in e-mails. We invite you to
consult the ABCs of Security on our website at www.nbc.ca.

 


A QUESTION OF DOCUMENT RETENTION AND DESTRUCTION

Your personal information is kept only for as long as the service is provided.
The retention period may vary, depending on the product or service offered. Even
if you stop doing business with us, we might keep some information in order to,
among other reasons, comply with laws, settle future transactions or look up
past transactions. When this information is no longer necessary, it is
destroyed. When destroying documents, we follow strict procedures and ensure
that only authorized personnel has access to them.

 


ANY QUESTIONS?

If you have questions or comments regarding how your personal information is
managed, contact the Customer Service Manager at your branch, TelNat, your
subsidiary representative or write to us at one of the following addresses:

Privacy Officer
700 de La Gauchetière West
Transit 4876-1
Montreal, Quebec  H3B 3B5
confidentiality@nbc.ca

For further information on this subject, consult the “For better banking
relations with you” pamphlet, available at all our branches. In it you will find
a complete description of the complaint settlement process and information on
how you can contact the Ombudsman for Banking Services and Investments.

You also have the option of contacting the Privacy Commissioner of Canada at the
following address:

Privacy Commissioner of Canada
30 Victoria St.
Gatineau, QC  K1A 1H3
Toll-free: 1-800-282-1376

National Bank of Canada takes privacy seriously and ensures that all the
necessary measures are in place to protect your personal information.



       
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