What Personal Information We Collect
Personal information is information about an identifiable individual, which includes information that can be used on its own or with other information to identify, contact, or locate a single person (“Personal Information”). We collect Personal Information when you voluntarily provide it through our Websute or when you provide it to us through other means, including but not limited to: email, telephone, mail; or other correspondence; or registering for our Services; and/or signing any agreements for our Services.
The Personal Information we may collect will depend on the particular Service you request, and may include (but is not limited to) your full name, contact information, such as your address, telephone number, or email address; any other Personal Information that you choose to submit to us, including but not limited to your financial information. In addition to Personal Information, we may collect non-personal information, that does not directly or indirectly reveal your identity or directly relate to an identifiable individual, such as demographic information, or statistical or aggregated information. Statistical or aggregated data does not directly identify a specific person, but we may derive non-personal statistical or aggregated data from personal information. For example, we may aggregate personal information to calculate the percentage of users accessing a specific Website feature. We may also collect technical information, including your login information, browser type and version, time zone setting, browser plug-in types and versions, operating system and platform, or information about your internet connection, the equipment you use to access our Website, and usage details.
How We Collect Information through Technological Means
When you visit our Website and/or use our Services, we may collect information that is automatically sent to us by your web browser. This information may include your domain name and your IP address. We may also collect other information, such as the type of browser you use, which pages you view, and the files you request.
We use this information to better understand how our Website and Services are used and to improve our Website and Services to better meet your needs. The amount of information that is sent by your web browser depends on the browser and settings you use. Please refer to the instructions provided by your browser if you want to learn more about what information it sends to websites you visit, or how you may change or restrict this.
We also collect information that is submitted by you. This incudes information that you provide by filling in Ross agreements, forms and/or other documents (whether on our Website or otherwise), such as information provided at the time of registering to use our Website or agreeing to our Services, or requesting further services. We may also collect information when you report a problem with our Website, search queries on our Website, or otherwise provide information to us. We further collect information from records and copies of your correspondence (including email addresses), if you contact us.
“Cookies” are text files placed on your computer, to help the website, software, application or otherwise analyze how users use same. We may use "cookies" and other similar devices on our Website and Services to enhance functionality. These devices may track information which includes, but is not limited to: (i) IP address; (ii) how the Website is navigated; (iii) the type of web browser and operating system used; (iv) the content accessed; and (v) the pages of the Website visited. If you wish to disable cookies, refer to your browser help menu to learn how. If you disable cookies, you may be unable to access some features related to the provision of our Website and/or Services.
You can opt-out of several third party ad servers' and networks' cookies simultaneously by using an opt-out tool created by the Digital Advertising Alliance of Canada. You can also access websites to learn more about online behavioural advertising and how to stop websites from placing cookies on your device. Opting out of a network does not mean you will no longer receive online advertising. It does mean that the network from which you opted out will no longer deliver ads tailored to your web preferences and usage patterns.
Age of Majority
Our Website is not intended for persons under the age of majority. No one under such age may provide any information to or on the Website. We do not knowingly collect personal information from children or persons under the age of majority. If you are under the age of majority, do not use or provide any information on this Website, including your name, address, telephone number, email address, or any screen name or user name you may use.
How We Use and Discloses Personal Information
Further, if you have consented to our use of your Personal Information for the purposes of requesting and receiving credit information and other financial information from credit reporting agencies, bureaus, banks, and/or other financial institutions, we may disclose your personal information for the purposes of: (i) evaluating your eligibility for credit; (ii) entering into any Ross agreements, contracts and/or other documents; (iii) contract management and administration; (iv) enforcing any of our rights under any Ross agreements, contracts and/or other documents; and (v) to send you information about related products or services that may be offered by us.
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. We may also disclosure Personal Information to: (i) our subsidiaries and affiliates; (ii) in accordance with applicable law, to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Ross's assets; (iii) to contractors, service providers, and other third parties we use to support our business (such as analytics and search engine providers that assist us with Website improvement and optimization) and who are contractually obligated to keep personal information confidential, use it only for the purposes for which we disclose it to them, and to process the Personal Information with the same standards set out in this policy; (iv) to fulfill the purpose for which you provide it; and (iv) with your consent.
We may also disclose your personal information: (i) to comply with any court order, law, or legal process, including to respond to any government or regulatory request, in accordance with applicable law; (ii) to enforce or apply our terms and other agreements; and/or (iii) if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Ross, our customers, or others.
Where we disclose Personal Information to third parties that perform services on our behalf, we will require those third parties to use such information solely for the purposes of providing services to us and to have appropriate safeguards for the protection of that Personal Information. You may separately agree to provide your Personal Information to third parties that provide content and/or offerings to our Website and/or users. If you agree to provide such information to these third parties, then your Personal Information will be subject to their privacy policies in addition to our own.
We may disclose your Personal Information to a third party or parties where you consent to such disclosure or the disclosure is required by law. Some or all of the Personal Information we collect may be stored or processed in jurisdictions outside of Canada, including the United States. As a result, this information may be subject to access requests and legal requirements from governments, courts, or law enforcement in those jurisdictions according to laws in those jurisdictions.
We reserve the right to transfer Personal Information in the event that we merge with or are acquired by a third party. We also may disclose your Personal Information for any other purpose permitted by law or to which you consent.
Transferring Your Personal Information
We may transfer Personal Information that we collect or that you provide as described in this policy to contractors, service providers, and other third parties we use to support our business. To the extent possible, we will obligate such businesses to use this information only for the purposes for which we disclose it to them and to process the Personal Information with the same standards set out in this policy.
We may process, store, and transfer your Personal Information in and to a foreign country, with different privacy laws that may or may not be as comprehensive as Canadian law. In these circumstances, the governments, courts, law enforcement, or regulatory agencies of that country may be able to obtain access to your Personal Information through the laws of the foreign country.
By submitting your Personal Information or engaging with the Website and/or Services, you consent to this transfer, storage, or processing.
How We Protect Personal Information
We protect your Personal Information by maintaining physical, organizational and technological safeguards appropriate to the sensitivity of such Personal Information. Personal Information may only be accessed by persons within or under contract with our organization and who require such access. Although we do our best to protect your personal information, we cannot guarantee the security of your personal information transmitted to our Website. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
We retain Personal Information that we collect only as long as necessary for the purposes for which it was collected or to meet legal requirements. We destroy Personal Information when it is no longer needed. Under some circumstances we may anonymize your personal information so that it can no longer be associated with you. We reserve the right to use such anonymous and de-identified data for any legitimate business purpose without further notice to you or your consent.
The Website and Services may provide links to other third party content. Even if the third party is affiliated with Ross, through a business partnership or otherwise, Ross is not responsible for the privacy policies or practices or the content of such external links. We do not assume responsibility for the accuracy or appropriateness of the content contained on those websites and/or other services. You enter those sites at your own risk. A link to the same should not be construed to mean that we are affiliated or associated in any way or that we endorse or recommend those websites and/or services. These links are provided to you for convenience purposes only and you access them at your own risk.
Access and Rectification
You have a right to access to your Personal Information and to request a correction to it if you believe it is inaccurate. We will provide you with access to your Personal Information that is in our possession, subject to certain exceptions, including information that is referenced to another individual’s personal information that we cannot sever, or information subject to legal restrictions that may prevent us from fulfilling your request. If you have submitted Personal Information and would like to have access to it, or if you would like to have it corrected, please contact us using the contact information provided below. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
Where you have provided your consent to the collection, use, and transfer of your Personal Information, you may have the legal right to withdraw your consent under certain circumstances. To withdraw your consent, if applicable, contact us using the contact information below. Please note that if you withdraw your consent we may not be able to provide you with use or access to our Website or Services.
How to Contact Us
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