Privacy Policy

At Xplore, an important part of our commitment to provide you with service excellence is our respect for your right to privacy.

Keeping our customers’ information and affairs in strict confidence is a cornerstone of Xplore’s business.

In the following pages we describe these policies and procedures and how we put them into practice so that you have control over how we collect, use and disclose your information.

• we keep your information and the business you do with us in strict confidence
• your information is not sold
• you have control over how we obtain, use, and give out information about you
• you have access to the information we have about you
• we respect your privacy when we market our products and services

You can withdraw your consent any time after you've given it to us, provided there are no legal requirements to prevent this. However, in order to maintain the integrity of the credit reporting system, we do have to update your credit information with the credit bureau as long as you have credit with us. Your consent for this purpose cannot be withdrawn during this time.

If you don't consent to certain uses of information, or if you withdraw your consent, we may not be able to provide you with a particular product or service. If so, we'll explain the situation to you to help you with your decision.

We don't share information about you with any of our affiliates, or release it to anyone outside of Xplore. For example, we give information to a credit bureau only with your consent.

There are some exceptions to the above rules. For example, we may collect, use or disclose information without your consent if we:

1. use an outside company to process information
   At times we may use the expertise of an outside company to do work for us involving some of your information - for example, to a company that performs marketing by direct mail on our behalf. When we do, we select the company carefully and confirm that it uses security standards comparable to those of Xplore.
2. must disclose information for legal reasons
   We may be compelled to release information by a court of law, or other legal or regulatory authority. If so, our policy is to release information only to the extent that we have to.
3. have to protect the interests of Xplore
   In certain circumstances, Xplore may have to collect, use or release information for its protection. For example, we may do so when returning a cheque for the reason "Not Sufficient Funds", when collecting an overdue account, when realizing on security pledged for a loan, or to detect or prevent fraud.

Our employees who have access to your information are made aware of how to keep it confidential. Each employee is subject to obligations to protect the confidentiality of confidential information in accordance with company policy, and satisfying such obligations is a condition of employment with Xplore.

This protects your information at all times, when it is stored in data files or handled by our employees.

You can check your information to verify, update and correct it, and to have any obsolete information removed. We may ask you to put your request in writing.

There's no charge for verifying or correcting your information. Depending on the circumstances, there may be a charge if you want a copy of records, which we have already given you. We will let you know in advance if there is a charge.

If you have a sensory disability, we will give you access to your personal information in any alternative format you request if we already have it in that format, or if its conversion into that format is reasonable and necessary in order for you to be able to exercise your rights under applicable legislation.

It may not be appropriate for us to release certain information directly to you.

You can check much of your information routinely - for example, by examining documents that we send to you, such as any statements of account.

If we have obtained information about you from other people, upon your request, we'll let you know the person we got it from.

If you ask, we will let you know the names of outside companies or organizations we've given information to. This won't include information given to outside companies we've used to do work for us, such as direct mail marketing companies. It won't include particulars of cheques returned for the reason "Not Sufficient Funds" or otherwise, or regular updates of credit information to credit bureaux.

We'll deal quickly with your request to see your information, and always respond to you within 30 days. If we need to extend the time, or we have to refuse your request, we'll tell you why, subject to any legal restrictions and we'll notify you of the new deadline, the reasons for the extension, and your rights under applicable legislation respecting the extension.

Whenever possible, we'll correct any information which we may have given to an outside organization. If a third party, such as a credit bureau, has given us information which you tell us is wrong, we'll give you the name and address of that party so that you can correct the information.

There may be files that include information about you and other customers, or that have information confidential to Xplore, or are the property of Xplore. Because we must protect everyone's confidentiality and legal rights, we cannot make these files available to persons outside of Xplore. However, we will make available to you any factual information about you contained in such files.

We have procedures in place to assist our employees in the practice of this Privacy Policy. Senior management of the company oversees the practice of these policies on a regular basis.

Xplore is committed to treating you with the greatest respect and consideration, and providing the highest level of service. Even so, from time to time something may go wrong. There may be a misunderstanding, or you may feel you have been dealt with unjustly. Whatever the circumstances, resolving the problem for you is our primary concern.