LEGAL

BEFORE USING THIS SITE, PLEASE READ THIS PRIVACY POLICY CAREFULLY.

This Policy is applicable to DESMARAIS FINANCIAL SERVICES INC (“Company”) and sets out our policy on the gathering and use of information on this site (“Site”). The Company is committed to providing safe web sites for visitors of all ages and has implemented this Privacy Policy to demonstrate our firm commitment to your privacy. The Company complies with Canadian Federal and Provincial privacy laws and regulations including the Personal Information and Electronic Documents Act.

There may be links from our Site to other web sites; note that this Privacy Policy applies only to our Site and not to web sites of other companies or organizations to which our Site may be linked. You must check on any linked sites for the privacy policy that applies to that site and/or make any necessary inquiries in respect of that privacy policy with the operator of the linked site. These links to third party websites are provided as a convenience and are for informational purposes only. The Company does not endorse, and is not responsible for, these linked websites.

Although you are not required to register to access our Sites, you may be asked to provide us with personal information when you visit certain sections of our Site. Your use of our Sites signifies your acknowledgement and consent to our Privacy Policy. If you do not agree to this Privacy Policy, please do not continue to use our Site. Your continued use of the Site signifies your acceptance of these terms and any changes in effect at the time of use.

COLLECTION OF PERSONAL INFORMATION

Personal Information is information about you that identifies you as an individual, for example, your name, address, e-mail address, or telephone number.

We collect information that you voluntarily provide to us through responses to search functions, questionnaires, feedback, contact forms and the like. We may also ask you to provide additional information such as your e-mail address if you want to obtain additional services, information or to resolve complaints or concerns.

We may collect information from our website visitors that cannot be used to personally identify them via Google Analytics, Facebook Pixels, Pinterest Analytics, and similar services. This information is used solely for optimizing our Site to serve our visitors better. This includes information that lets us know how you found us; directly typing in our domain name, via a search on Google, or by clicking a link on another website, etc. We also collect information on metrics such as how visitors spend on each page and which pages they visit. This information is collected so that we can better understand our users, how they are using our site, and which parts of our site are popular and which others are not.

We will never sell or rent to third parties any personal information you give to us.

DISCLOSURE OF INFORMATION

If you choose to fill out a contact form on our website, we will not use that information for any purpose other than to provide or carry out the services you are inquiring about, unless we are required by law to do so. 

The Company will not disclose personal information that you provide on its Sites to any third parties other than to a Company agent except: i) in accordance with the terms of this Privacy Policy, or ii) to comply with legal requirements such as a law, regulation, warrant, subpoena or court order, and/or iii) if you are reporting an adverse event/side effect, in which case the Company may be required to disclose such information to bodies such as, but not limited to, Canadian and/or international regulatory authorities and/or iv) to carry out or provide the services you are inquiring about. Please note that some of your information may be held for storage or processing of personal information outside of Canada and may therefore be subject to different privacy laws than those applicable in Canada, including laws that require the disclosure of personal information to governmental authorities under circumstances that are different than those that apply in Canada.

COOKIES

The Company, in common with many web site operators, may use standard technology called “cookies” on its Sites. Cookies are small data files that are downloaded onto your computer when you visit a particular web site. You can disable cookies by turning them off in your browser; however, some areas of the Sites may not function properly if you do so. Some of the cookies we may use are for Google Analytics and other analytics tools, or if you are a registered user with an account on our website, we may use cookies to keep you logged in if you choose that option.

PROTECTION OF CHILDREN ONLINE

The Company considers the protection of children’s privacy, especially online, to be of the utmost importance. We do not knowingly collect or solicit personal information from children nor do we allow them to become registered users of, or to request information through, our Sites or help-seeking information lines.

PROTECTION OF INFORMATION:

Storage of Information:

Personal information you share with us is stored on our database servers at Company data centres (in whatever country they may be located), or hosted by third parties who have entered into agreements with us that require them to observe our Privacy Policy, or hosted by third parties who services we use to provide you with our products and services.

POLICY CHANGE:

If we alter our Privacy Policy, any changes will be posted on this page of our Site so that you are always informed of the information we collect about you, how we use it and the circumstances under which we may disclose it.

ACCEPTANCE OF OUR PRIVACY POLICY:

By using this Site or any other The Company Site or interactive banner ads, you signify your acceptance of our Privacy Policy, and you adhere to the terms and conditions posted on the Site. By submitting your information, you agree that it will be governed by our Privacy Policy.

Any privacy concerns should be directed to: Melodie Whiteman – melodie@dfsfinancial.ca

TERMS OF USE:

Your access to and use of the Site is conditioned on your acceptance of and compliance with these Terms. These Terms apply to all visitors, users and others who access or use the Site.

By accessing or using the Service you agree to be bound by these Terms. If you disagree with any part of the terms then you may not access the Site.

RESTRICTIONS

• You are expressly and emphatically restricted from all of the following:
• publishing any Site material in any media;
• selling, sub-licensing and/or otherwise commercializing any Site material;
• publicly performing and/or showing any Site material;
• using this Site in any way that is, or may be, damaging to this Site;
• using this Site in any way that impacts user access to this Site;
• using this Site contrary to applicable laws and regulations, or in a way that causes, or may cause, harm to the Site, or to any person or business entity;
• engaging in any data mining, data harvesting, data extracting or any other similar activity in relation to this Site, or while using this Site;
• using this Site to engage in any advertising or marketing;

NO WARRANTIES

This Website is provided “as is,” with all faults, and Company makes no express or implied representations or warranties, of any kind related to this Website or the materials contained on this Site. Additionally, nothing contained on this Site shall be construed as providing consult or advice to you.

LIMITATION OF LIABILITY

In no event shall Company, nor any of its officers, directors and employees, be liable to you for anything arising out of or in any way connected with your use of this Site, whether such liability is under contract, tort or otherwise, and Company, including its officers, directors and employees shall not be liable for any indirect, consequential or special liability arising out of or in any way related to your use of this Site.

INDEMNIFICATION

You hereby indemnify to the fullest extent Company from and against any and all liabilities, costs, demands, causes of action, damages and expenses (including reasonable attorney’s fees) arising out of or in any way related to your breach of any of the provisions of these Terms.

SEVERABILITY

If any provision of these Terms is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole, and such provisions shall be deleted without affecting the remaining provisions herein.

VARIATION OF TERMS

Company is permitted to revise these Terms at any time as it sees fit, and by using this Site you are expected to review such Terms on a regular basis to ensure you understand all terms and conditions governing use of this Site.

Last Updated: October 11, 2018