Cheque Products and Services Privacy Policy

Last Modified: September 18, 2023

Cheque products and services (“Service”) are provided by D+H Cheque Services Corporation (“we”, “us” or the equivalent).

This privacy policy ("Privacy Policy") is designed to help you understand how we collect, use, and manage Personal Information and to whom this information may be disclosed in connection with our Service websites, and through our online services that link to this Notice (collectively the "Sites"). “Personal Information” means any information about an identifiable individual. As used in this Privacy Policy, the term Personal Information includes Personal Information relating to you. This Privacy Policy applies to the Service but does not extend to the data management practices of third-party sites that may be linked to the Service.

When you register for the Service, you agree to the terms of this Privacy Policy as updated from time to time.

Consent

By registering for the Service, you consent to the collection, use, disclosure and management of your Personal Information as described in this Privacy Policy.

If you decide to withdraw your consent to the collection, use, and disclosure of your Personal Information required to provide you with the Service and to meet our legal obligations, you will not be able to continue to use the Service.

You can change your preferences to receive personalized offers and recommendations at any time directly on our Sites or by contacting our Privacy Officer in writing as specified under “Questions or Concerns About Your Privacy” below.

Collection of Information

We may collect some or all of the following Personal Information in connection with your registration for use of the Service:

first and last name;
email address (Your User ID)
company name;
street address;
country;
city;
province;
postal code;
phone number; and
a password, to authenticate you on our Sites

In addition, you may also be required to provide or authorize us to collect the following Personal Information in order to use certain Service features. The Personal Information which we may collect depends on Service features available as part of the Service features selected; consult our Sites for details:

Cheque Orders, Deposit Slips and Accessories: We may collect some or all of the following Personal Information when you order cheques, deposit slips or any accessories:

first name*;
last name*;
address;
business name*;
business address;
financial institution #*;
branch number*;
account number*;and
branch address;
name on credit card**;
credit card number**;
CVC**;
card type**;and
expiry date**

       (* is mandatory information;
       ** mandatory only if making a purchase)

Websites Collection of Information

When you visit our Sites, information is collected by us as you interact with our Sites. We collect certain information from your browser using "cookies". Cookies are small files that are stored on your computer that help us to optimize your experience on our Sites. We may use cookies to monitor and improve our Sites experience. These cookies do not contain Personal Information. They gather statistical data such as the average time spent on a specific webpage. This kind of information provides us with insight on how to improve the design, content and navigation of our Sites. Your choice not to accept these cookies will not interfere with your use of the Service.

We may also use cookies as part of the functionality and security of the Service. These cookies may include a persistent cookie installed on your computer or device that contains information to help us verify you as the subscriber and to help block unauthorized attempts to access your information through our Sites. Your choice not to accept these cookies may interfere with your ability to personalize and be recognized by our Sites, and/or may prevent the operation of the Service or certain features within the Service from operating.

Some of our Sites only collect Strictly Necessary Cookies which are required for the operation of our Sites and use of its features like page navigation and access to secure areas of the Sites. These cookies are strictly necessary to provide you with the service you have expressly requested. These Sites will not present you with a Cookie Consent Tool since Strictly Necessary Cookies are required.

For more information about the categories of cookies our Sites use, visit our Cheque Products and Services Cookie Policy.

Use of Your Personal Information

We may use your Personal Information:

to verify your identity and provide the Service and customer support you request, including but not limited to the following Service:

Placing a cheque order;
Placing a deposit slip order; and
Ordering accessories

Parties with whom there may be possible cases of identity theft or fraud, and then only to detect the actual facts or to resolve the case.
Parties which could include governmental units, courts or other entities (in response to subpoenas and other legal processes), and those with whom you have requested us to share information.
To obtain information which may help detect fraud or identity theft.
To notify appropriate parties of possible identity theft or fraud.

to process payment transactions;

to send you notices about your transactions;

to provide a record of correspondence with you, whether by telephone, mail, email or text message, to ensure instructions are properly followed and to ensure customer service levels are maintained;

for administrative purposes;

to understand your needs and preferences so that we may notify you of new service offerings or send you advertisements that respond to your needs or preferences based on your communication preferences;

to resolve disputes, collect payments, and troubleshoot problems; and

on an aggregate, non-identified basis for the purposes of planning a service or product and to monitor patterns, gather data and generate reports. This aggregated information may be published or shared with third parties. We or our service providers may perform statistical analyses of user and online behaviour and characteristics to measure interest in and use of the Service so as to improve the Service. We or our service providers may also perform various analyses of de-identified online interactions and activity of the users we monitor to improve the usefulness of our alerts, as well as to provide behavioral and statistical insight and context across the system.

We may also monitor or record any telephone call we have with you. Monitoring and recording of calls is done to establish a record of the information you provide; to ensure that instructions are properly followed; and to ensure customer service levels are maintained. We will inform you of the possibility that your call is being monitored or recorded prior to proceeding with the call. If you prefer not to have your call recorded you can conduct your transaction online or contact our Privacy Officer to arrange an alternate procedure.

Disclosure of Personal Information

We do not sell, rent or trade any Personal Information to any third party for financial gain or marketing purposes. Except as stated in this Privacy Policy, we will not disclose your Personal Information to any persons other than you without your prior consent, unless as permitted or required by law, for example:

to a government institution, law enforcement or other authority that has lawful authority to obtain the information;

to comply with a subpoena or warrant or an order made by a court, person or entity with jurisdiction to compel the production of information;

in urgent circumstances to protect the life, health or security of any person; or

to comply with court rules regarding the production of records and information.

We may transfer certain Personal Information to business service providers, but only to provide the Service and fulfill the purposes as described in this Privacy Policy. When we do, we select a company carefully and, by contractual means, ensure that it uses privacy and security standards comparable to ours.

We may disclose your Personal Information in connection with a corporate reorganization, merger or amalgamation, provided that the use of such Personal Information so disclosed continues to be the use permitted by this Privacy Policy.

Your Personal Information may be transferred, stored and/or processed by us or by our third party service providers outside of the country where you reside, such as in the United States. In that case, your Personal Information would be subject to the laws of the country in which it is stored or transferred. That country may have laws that require your Personal Information be disclosed to the government under different circumstances that exist in your country of residence.

Safeguards

We have implemented reasonable technical, physical and administrative safeguards designed to protect Personal Information from unauthorized access, use, modification, disclosure, or other breach of privacy. We have comprehensive physical and logical security policies and procedures, based on industry best practices, designed to address practices for the secure access, storage, transmission, and disposal/destruction of Personal Information. We will maintain appropriate security upon the disposal and destruction of Personal Information.

In addition, we train our employees about the importance of confidentiality and maintaining the privacy and security of Personal Information. We commit to taking appropriate disciplinary measures to enforce our employees' privacy responsibilities.

When you transmit Personal Information to us through the Sites, that information is encrypted. Other than limited access by us in order to carry out the Service as described above, your Personal Information is accessible only by you using a password created by you. To protect the security of your Personal Information, you must keep your password confidential. You are responsible for all uses of Service by anyone using your password, including any disclosures of Personal Information.

Openness

We will make available information about our general policies and practices relating to the processing of Personal Information. We will not make available information about processing or management of Personal Information for a specific customer except to that customer or as directed by that customer.

Accuracy of Personal Information and Access

We rely on you to ensure the Personal Information you provide to us is accurate and up to date for the purposes set out in the Policy.

You may update, review or correct your Personal Information at any time on-line by accessing your password protected registration page or by contacting our Privacy Officer in writing as specified under “Questions or Concerns About Your Privacy” below.

Where we are processing your Personal Information on behalf of one of our customers, we will refer your request for accessing, correcting, or updating your Personal Information to that customer for handling and we will assist our customers in responding to access requests we receive.

Limiting Retention

We will keep Personal Information that remains relevant for the intended purposes or as required by law. We may keep Personal Information about you in our records as long as it is needed for the purposes described above, including statutory or regulatory retention requirements, even if you cease to be a customer.

Once Personal Information is deleted, you will not be able to access it any longer.

Changes to the Privacy Policy

We regularly review all of our policies and procedures and as a result may change this Privacy Policy from time to time. The most recent modification date of this Privacy Policy will appear at the top of this page. If we materially change our practices in processing Personal Information, we will post an updated policy in place of this Privacy Policy, to keep you informed of what information we collect, how we use it and with whom we share it. Your continued access and use of the Service after the effective date of any changes to this Privacy Policy constitutes your acceptance of all such changes.

Links to Third Party Websites

Our Sites may contain links to other websites that operate independently of the Service and that are not under our control. We provide links to other websites solely for your convenience and information. Other websites may have their own privacy policies, which we suggest you review if you visit any linked websites. We are not responsible for information that is collected through those websites or for any other use or disclosure of information by the operators of those websites.

Questions or Concerns About Your Privacy?

We welcome you to contact us at any time should you have any questions, comments or concerns regarding this Privacy Policy or the manner in which we or our service providers treat your Personal Information. Please contact our Privacy Officer at the coordinates listed below:

Privacy Department
D+H Cheque Services Corporation
5995 Avebury Road
Mississauga, ON L5R 3P9

Email: privacy@finastra.com