Privacy Policy

2.1 Our ten privacy principles comply with the provisions of Canada Personal Information Protection and Electronic Documents Act (PIPEDA)

These principles are as follows:

1. Accountability. We are responsible for and will endeavour to maintain and protect the information we have about you.
2. Identifying Purposes. The purpose for which your information is being collected will be explained to you either before or when it is collected.
3. Consent. We will obtain your consent to collect, hold, use, and disclose your information. This will be done when you open an account, draft a Will, purchase an Investment, fill in a Loan Application, have your Income Tax / Accounting done with us, or by providing it to you in a separate communication.
4. Limiting Collection. We will limit the information we collect to what in needed for those purposes Amity has identified. We list these identified purposes in section 3.3.
5. Limiting Use, Disclosure and Retention. We will use and disclose your information only for the purposes we have identified, or when it is required or permitted by law. We retain your information only for as long as is necessary for the fulfillment of these purposes.
6. Accuracy. We keep your information as accurate, complete, and up to date as we are able to with your assistance.
7. Safeguards. We protect your information with appropriate safeguards and security measures.
8. Openness. Upon your request, we will provide you with specific details about our information handling policies and procedures. Section 8.0 provides you with details on who to contact when you have questions regarding your privacy.
9. Access. We will give you access to the information we have about you. You may check the accuracy of your information and amend it as appropriate.
10. Challenging Our Compliance. We will investigate and respond to your concerns about any aspect of our handling of your information.

3.1 How do we collect information?

The information collected about you is retained in the “client record” (Personal Affairs Record, Account Opening document, Income Tax Forms, Loan Applications, Know Your Client). You provided most of this information when you had a Will drafted, purchased an investment, had your Income Tax done, applied for a loan or opened an account.

3.2 What information do we collect?

The personal information in your client record may include your name, address and telephone number, social insurance number, birth date, account holdings, driver’s license, health information, and information regarding your dependants as well as the name, address, and social insurance number of your spouse and beneficiary, assets, liabilities, financial status, and all documents related to Income Tax. Depending on the investment or service you request, additional personal information may be held in your client record.

3.3 How do we use your information?

We may use your information for the following identified purposes:

• Identifying you
• Ensuring the accuracy of information in your client record
• Establishing and administering your account
• To recommend suitable products
• Determining, maintaining, recording and storing account holdings and transaction information in your client record
• Executing transactions with or through Amity including transferring funds by electronic or other means
• Providing you and your financial advisor or investment representative with account statements
• To complete Income Tax forms
• To grant loans or mortgages
• Provide tax receipts, customer surveys, product information mailings, transaction confirmations and other information which may be requested as needed to service your account
• Meeting legal and regulatory requirements
• Verifying information you have previously given with another organization when necessary for the identified purposes

3.4 Who else do we collect information from?

There are times when we may collect information about you from a third party. This information is only used for the identified purposes mentioned in section 3.3. The parties include:

• Your financial advisor or investment representative
• Financial institutions, mutual fund companies, life insurance companies
• Product Suppliers
• Third parties who represent that they have a legal right to disclose the information, for example the executor of an estate.

4.1 Who do we disclose your information to?

There are times when we may disclose your information to our agents, our suppliers or other organizations. This information in only used for the identified purposes in Section 3.3. These agents, suppliers, and organizations include:

• Your financial advisor or investment representative
• Financial institutions, mutual fund companies, life insurance companies
• Other financial institutions
• Product suppliers
• Canadian governments and government agencies
• Canada Post
• Account statement preparation and mailing companies, courier companies, imaging companies and document storage companies
• Credit Bureau
• Personal Property Registry
• Information Services Corporation

Sharing your information with these third parties is essential to providing you with excellent service. When Amity transfers personal information to its agents, mailing companies for example, we ensure by contractual means that the transferred personal information is used only for the purposes for which the agent is retained.

4.2 Disclosing your information when required or permitted by law

Amity must provide information in response to a valid demand, search warrant or other legally valid enquiry or order. We may disclose information to an investigative body in the case of a breach of an agreement or contravention of laws. We may also disclose information to help us collect a debt owed by you, to provide you with financing, or deal with C.R.A.

5.1 How do we obtain consent?

• Upon the completion of a loan or mortgage application
• Upon the completion of an application to purchase an investment
• Upon the completion of a Personal Affairs Record which is done when a Will is drafted
• Upon the completion of an Income Tax form
• When opening an Account
• When asking Amity to act as your Agent or Power of Attorney By signing an application form and or continuing to do business with us, you are consenting to the use of your information.

5.2 How can you withdraw all or part of your consent?

You can withdraw your consent to Amity’s use of your information by contacting us. For contact information see section 8.0. In some circumstances, legal requirements may prevent you from withholding consent. Your decision to withhold information may also limit the products or services we are able to provide to you.

6.1 Your right to access your information

Except in limited circumstances, we can provide you with the information we have about you so you may verify and amend it. We will provide you with an estimate of the cost to supply the information, and upon acceptance of the cost, requested information will be delivered to you within 30 days of receipt of your request, unless prohibited by law. Please note that we may not be able to provide you with your information in the following circumstances: -If it contains references to other persons and the references are subject to legal privilege -If it contains confidential proprietary to Amity -If it relates to an investigation of a breach of agreement or contravention of laws -If it cannot be disclosed for other legal reasons

7.1 Keeping your information accurate

Accuracy is essential to providing you with excellent service. Please inform us of any errors in our information about you as soon as you are aware of them so that we may immediately correct your client record. If the accuracy of information is in dispute, we will note it in your client record.

7.2 Where do we keep your information?

Your client record is kept in electronic or paper format at the offices of Amity at Waldheim, Saskatoon, and Swift Current. Your client record may be transferred to other locations for disaster recovery purposes. Electronic back-ups may be kept in other locations for recovery purposes.

7.3 How do we protect your information against loss and unauthorized access?

Our employees and service providers have access to your information provided the information is required for the identified purposes and access is permitted only to the extent necessary for such purposes. In addition, we have taken several measures to protect your information, such as restricting physical access to our offices and using computer passwords.

7.4 How long do we keep your information?

We retain your information only as long as it is required for the reasons it was collected. The length of time we retain information varies depending on the product or service and the nature of the information. This period may extend beyond the end of your relationship with us but only for so long as it is legally necessary for us to have sufficient information to respond to any issues that may arise at a later date.

8.1 If you have any questions, concerns or complaints about the treatment of your information, please follow these steps:

STEP 1:

In most cases, a concern can be resolved by discussing it with your Financial Advisor, Investment Representative, Accountant, Cashier, Mortgage Department, Estate Department, Income Tax Department, or Branch Manager. Please use the contact information below if you require assistance in contacting any of the representatives mentioned above.

TELEPHONE : Waldheim (Head Office) 1-306-945-2080 Swift Current 1-306-778-9137 Saskatoon 1-306-933-2228

E-MAIL: Use our contact form.

STEP 2:

If your concerns have not been resolved to your satisfaction, please contact our Privacy Officer.

TELEPHONE : 1-877-945-2081
FAX : 1-306-945-2225
E-MAIL : Use our contact form.

Write to :
Privacy Officer Amity Trust Ltd.
Box 40
Waldheim SK  S0K 4R0

STEP 3:

If after contacting our Privacy Compliance Officer your concerns remain unresolved, you may contact the Privacy Commissioner of Canada:

The Privacy Commissioner of Canada
112 Kent Street Ottawa ON K1A 1H3
Phone : 613-995-8210 or 1-800-282-1376

The Commission d’acces a l’information
575, rue St. Amable, Bureau 1.10 Quebec PQ G1R 2G4
Phone: 418-528-7741 or 1-888-528-7741

8.2 Who can answer your question about privacy?

If you have any questions about how we handle your privacy, please contact your financial advisor or investment representative. Please use the contact information below if you require assistance in contacting your financial advisor or investment representative.

Phone:
Waldheim (Head Office) 1-306-945-2080
Swift Current 1-306-778-9137
Saskatoon 1-306-933-2228

If after contacting your financial advisor or investment representative you continue to have questions about our privacy policy, please contact our Privacy Officer:

Phone: 1-877-945-2081
Fax: 1-306-945-2225
E-mail: Use our contact form.

Write to:
Privacy Officer, Amity Trust Ltd.
Box 40
Waldheim SK  S0K 4R0