- Collecting and using informationEither before or when we collect information about you, we will explain how we intend to use it. We will limit the information we collect to what we need for those purposes, and we will use it only for those purposes. We will obtain your consent if we wish to use your information for any other purpose and before collecting information from third parties such as credit bureaus.
Your personal financial information is used to help us manage operations and risk within Pocrnić Realty Advisors Inc. Your information is also used in order to satisfy valid information requests from regulators and other organizations or individuals who are legally entitled to make such requests.
- Releasing informationWe may provide your information to other persons –
- where we have your consent
- where the other parties are our suppliers or agents who assist us in serving you
- where we are required or permitted to do so by law or applicable regulators and self-regulatory organizations
- where transfers of a business are involved
- Protecting informationWe will protect your information with appropriate safeguards and security measures. We will retain your information only for the time it is required for the purposes we explain.
- Providing information access and accuracyWe will give you access to the information we retain about you. We will make every reasonable effort to keep your information accurate and up-to-date.
- Respecting and responding to your privacy concernsWe will explain your options for refusing or withdrawing consent to the collection, use and release of your information, and we will record and respect your choices. We will investigate and respond to your concerns about any aspect of our handling of your information.
In our Privacy Code, we will explain how we fulfill each of these important principles.
Protecting your privacy and the confidentiality of your personal information is fundamental to the way we do business with you, whether over the Internet, on the telephone or at our office.
Visiting our information sites
When you go directly to the information portion of our websites and move from page to page, read pages or download content onto your computer, we can learn which pages are visited, what content is downloaded, and the address of websites that you visited immediately before coming to our websites. However, none of this is associated with you as an individual. It is measured only in aggregate.
We are able to use this information to find out how many people visit our websites and which sections of the sites are visited most frequently. This helps us to know what type of information is most useful to you so that we can improve our websites and make it easier for you to access information. We record the statistical information on the numbers of visitors to our websites, but no information about you in particular will be kept or used.
A cookie is a small file containing certain pieces of information that a website creates when you visit the site. It can track how and when you use a site, which site you visited immediately before, and it can store that information about you.
There are two common types of cookies, “session cookies” and “persistent cookies”. Session cookies store information only for the length of time that you are connected to a website – they are not written onto your hard drive. Once you leave the website, the originator of the cookie no longer has the information that was contained on it.
Pocrnic Realty Advisors Inc. uses session cookies as an additional security feature for its online services. For example, when you login to any future web services and are authenticated through your login ID and password, a cookie will store the identification number of your browser. Throughout your session, the cookie acts as a type of digital signature to identify your current session to the web server.
We will also use session cookies to track your visits within our site. We use that information to determine the type of information that you are looking for in our site and to improve our site. We use information about the site you visited immediately prior to our site to assess the viability of links to our site that we have created on third party sites.
The information stored in “persistent cookies” is written onto your hard drive and remains there until the expiry date of the cookie. PRA uses persistent cookies to store non-sensitive information that you are aware of and have agreed to. For example, if you choose the option on our login screen to remember your login id and password, the system will remember and automatically input your login id number each time you use the service from that PC.
Our website also employs two additional “persistent” cookies, designed to deliver a more comfortable online banking experience to you. The first is placed on your computer’s hard drive to remember your language preference and ensure you are always presented with our website in the appropriate language. The second is employed to ensure that any offer which you have already responded to is not presented again each time you login to our site.
Currently, most browsers do not distinguish between session cookies and persistent cookies. For web services to operate, your browser must be set to accept cookies. If you are concerned about having your browser enabled to accept cookies while you are surfing other websites, we recommend that you enable your browser to notify you when it is receiving a cookie. This gives you the ability of accepting or rejecting any cookie presented by the web server you are visiting.
Email comments, questions or responses
When you send us an email or when you ask us to respond to you by email, we learn your exact email address and any information you have included in the email.
We use your email address to acknowledge your comments and/or reply to your questions, and we will store your communication and our reply in case we correspond further. We will not sell your email address to anyone outside PRA. We may use your email address to send you information about offers on products and services that we believe may be of interest to you. If you don’t want us to contact you by email with offers on products and services, you may tell us so at any time.
If you have asked us to put you on an email mailing list to provide you with certain information on a regular basis, or if we send you information about our offers on products and services by email, you may ask us to remove you from the list at any time (using the unsubscribe instructions provided with each email and on the site where you signed up).
Remember that email sent over the Internet is generally unencrypted. If PRA requests that you transmit confidential information to us over the Internet when filling out an application online, we ensure that such transmission is encrypted. We recommend that you use caution when forwarding free-format email messages to us and that you do not include confidential information (such as account numbers) in those messages, as they are not encrypted.
Important Information About Preventing Email Fraud: From time to time, fraudulent emails may be circulated to you claiming to have been issued by Canadian institutions, requesting customers to verify their personal and/or banking information. Customers are often asked to click on a link in the email that directs them to a pop-up window or modified online banking login page to enter their respective bank’s login ID and password.
We will never send email messages to customers requesting confidential information such as passwords or account numbers. Please do not act on any such emails as you may compromise your personal information by following links to a counterfeit Internet site(s).
Responding to surveys
When you submit your response to a survey question, we learn your answer or any opinions or information that you volunteer.
We may use your submission to come up with the survey results, and we may publish those results in aggregate on our websites. We may also use your response to improve products or services of Pocrnic Realty Advisors Inc. Based on your response, we may forward information about our offers on products and services that we believe may be of interest to you.