1. When you apply for, or provide a guarantee in respect of, or use any Service and while you are our customer, you agree that:

We may collect personal information from you and about you such as:

1. Your name, address, occupation and date of birth, which is required by law;
2. Identification, such as a valid Canadian driver's license or passport or birth certificate issued in Canada. We may also ask for documents such as a recent utility bill to verify your name and address;
3. Your annual income, assets and liabilities and credit history;
4. Information about your transactions, including payment history and account activity;

We may collect from, and use and disclose this personal information to, any person or organization for the following purposes:

• To confirm your identity;
To understand your needs;
• To determine the suitability of our Services for you;
• To determine your eligibility for our Services;
• To set up, manage and offer Services that meet your needs;
• To provide you with ongoing Service;
• To meet our legal and regulatory requirements;
• To investigate and adjudicate insurance claims; and
• To detect and prevent fraud or other criminal activity.

We will use health information strictly for the provision of an insurance Service. We do not provide directly all the services related to your relationship with us. We may use third party service providers to assist us with various services such as printing, mail distribution and marketing and you acknowledge that we may release information about you to them.

• We may collect, use and disclose your Social Insurance Number (SIN) for income tax reporting purposes, as required by law. In addition, we may ask you for your SIN to verify and report credit information to credit bureaus and credit reporting agencies as well as to confirm your identity. This allows us to keep your personal information separate from that of other customers, particularly those with similar names, and helps maintain the integrity and accuracy of your personal information. You may refuse to consent to its use or disclosure for purposes other than as required by law.
• We may verify relevant information you give us with your employer or your references and you authorize any person whom we contact in this regard to provide such information to us. If you apply for a Service and during the time you have the Service, we may consult various financial service industry databases or private Investigative Bodies maintained in relation to the type of Service you have applied for or have. You also authorize us to release information about you to these databases and Investigative Bodies. Investigative Bodies are designated under the regulations of the Personal Information Protection and Electronic Documents Act (PIPEDA) and include such organizations as the Bank Crime Prevention and Investigation Office of the Canadian Bankers Association and the Investigative Services Division of the Insurance Bureau of Canada.
• We may monitor or record any telephone call we have with you. The content of the call may also be retained. We may inform you prior to proceeding with the call of this possibility. This is to establish a record of the information you provide, to ensure that your instructions are followed properly and to ensure customer service levels are maintained.
• If you have a Service with us, we may use, disclose to and collect from credit bureaus or financial service industry databases, credit and other information about you in order to offer you pre-approved credit products. We may also do this after the Service has ended. You may withdraw your consent at any time by giving us reasonable notice (see below).
• We may keep and use information about you in our records for as long as it is needed for the purposes described in this Agreement, even if you cease to be a customer.