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Subscription data and certain other personal information is subject to our Privacy Policy. For more information, please see our full privacy policy. You understand that through your use of the Services, you consent to the collection, use and disclosure of such information as permitted by the Privacy Policy, including the transfer of such information to the United States or other countries. other countries for storage, processing and use by Veltistafinancial.ca and its affiliates to provide the Services to you.
INTERNATIONAL USE
We make no representations regarding the timeliness or availability of the content of this site in locations outside of Canada. If you access this site from another location, you acknowledge that you are doing so on your own initiative and are solely responsible for compliance with local laws.
EXCLUSIONS AND LIMITATIONS
Some jurisdictions do not allow the exclusion of certain warranties, representations and terms, or the limitation or exclusion of liability for incidental or consequential damages. Therefore, some of the above limitations may not apply to you.
WAIVER AND SEVERABILITY OF TERMS
No failure to exercise or assert any of the rights or any of the provisions of these terms and conditions shall constitute a waiver of such right or provision. If any provision of these Terms is held to be invalid by a court of competent jurisdiction, you consent that the court shall endeavor to enforce the intent of the provision in question, and that the remaining provisions of these Terms shall remain in full force and effect. applicable.
FORCE MAJOR
VeltistaFinancial. ca will not be liable for the failure, in whole or in part, of any obligations to you or for any damages or losses you may suffer, if the failure, damages or losses result from an event of force majeure or of a circumstance beyond his control.
GENERAL
BY CONTINUING TO USE VELTISTAFINANCIAL.CA, YOU AGREE TO BE BOUND BY THESE TERMS.
The subheadings in each section of these Terms are for convenience or reference only and should be disregarded in the interpretation of these Terms.
Veltista Financial Services Inc. is aware of the issues raised regarding the circulation of personal information on the Internet and wishes to work with you to ensure that your privacy is respected and protected. For this reason, we would like to explain to you what type of information we collect when you visit veltistafinancial.ca and also when, how and why we collect this information.
We therefore ask you to read the following lines carefully and refer to them periodically to follow any changes that may be made.
GENERAL PRINCIPLES
Veltista Financial Services Inc. is committed to respecting and protecting your right to privacy. Veltista Financial Services Inc. voluntarily adheres to the Canadian Standards Association Model Code for the Protection of Personal Information. This Consumer Privacy Policy (the “Policy”) sets out how we collect, use, disclose and otherwise manage your personal information. You acknowledge that may, in its sole discretion, modify the Policy at any time, with or without notice. The revised Policy is posted on the website. We recommend that you re-read the Policy periodically to become aware of these modifications, if any. You acknowledge that by continuing to use the Website after the amended Policy has been posted, you are deemed to have consented to the revised Policy. The Website may contain links to other websites that are not veltistafinancial.ca. Veltista Financial Services Inc. is not responsible for the privacy practices or the content of such other websites.
INFORMATION WE COLLECT
Website. Veltista Financial Services Inc. may collect information about you when you register to become a member of the Website. Veltista Financial Services Inc. also collects aggregate information and information that relates to specific users on the web pages consumers visit and information provided voluntarily by consumers, such as survey information and contest entry information .
When you visit and interact with Veltistafinancial.ca, certain information may be automatically collected, including the following:
– the IP address of your computer;
– the type of browser and operating system used;
– the web pages visited by you immediately before and after your visit to veltistafinancial.ca;
– your activities in community conversations;
– the web pages and the advertisements that you consult as well as the links on which you click on the Site;
– information about searches you perform on veltistafinancial.ca and how you use the results of those searches;
– information about the services you use on veltistafinancial.ca;
– and how often you use them; and your reaction to offers and advertisements presented on veltistafinancial.ca, including those offered by third-party websites;
– the speed of your bandwidth and information about the software installed on your computer;
– aggregate data on your click-through rate in emails and user video viewing;
– location data and other information about mobile devices used to access and interact with veltistafinancial.ca;
– normal server log information; and
– information collected using HTML and Flash cookies, web beacons and similar technologies.
STATISTICAL ANALYSIS
We aggregate and analyze the data we collect in order to learn more about how veltistafinancial.ca is used. Among other things, we may use this information to monitor and analyze the use of veltistafinancial.ca, improve its operation and better adapt its content and design to meet the needs of our visitors.
PURCHASES
Veltista Financial Services Inc. may also collect information about you when you purchase products from them by mail, fax or online. The information collected may include your name, address, business name, telephone number, fax number, email address and credit card information.
COMPLAINTS
Veltista Financial Services Inc. may collect information about you if you contact a consumer complaint or inquiry. The information collected may include your name, address, telephone number, email address, date of birth and the facts relating to the complaint or request.
MARKETING RESEARCH
Additionally, Veltista Financial Services Inc. may collect information about you if you have participated in veltistafinancial.ca marketing studies. Information collected may include your name, address, phone number, email address, gender, income, and facts about your spending habits and preferences.
COMPETITIONS AND PROMOTIONS
Finally, Veltista Financial Services Inc. may collect information about you if you enter a contest or promotion from Veltista Financial Services, or one of our partners. Additionally, Veltista Financial Services Inc. will sometimes ask you, via such forms, if you are interested in receiving information about other services, contests or news about Veltista Financial Services inc. or our partners. You will always have the choice to decline this request or to stop a subscription to a personalized service that you have previously chosen. The information collected may include your name, address, telephone number, email address, date of birth and facts relating to your participation in the contest or promotion.
OTHER SOURCES
We may access other information about you from third party sources and platforms (such as social networking sites, databases, internet marketing and ad targeting companies), including:
– if you access third-party social networking services (such as Facebook Connect or Twitter) from veltistafinancial.ca, your username and login lists for those services;
– demographic data, such as age group, gender and your interests; – interaction and ad viewing data, such as click-through rates and the number of times you viewed a particular ad; and– unique identifiers, including mobile device identification numbers, which may determine the physical location of such devices under applicable law.
Please note that Veltista Financial Services Inc. may combine the information we collect with information obtained from third parties.
USE OF PERSONAL INFORMATION
Veltista Financial Services Inc. uses your personal information for one or more of the following purposes: (1) to identify you; (2) improve the content of the Website; (3) customize the content or layout of the Website for consumers; (4) notify consumers of updates to the Website; (5) communicate with consumers for marketing purposes; (6) improve its products and services; (7) process and ship your product orders; (8) deal with your consumer complaints or inquiries.
COOKIES
Cookies are simple text files that web browsers place on computer hard drives when sites are visited. Cookies cannot damage files and cannot read information stored on the user’s hard drive. Veltistafinancial.ca uses cookies to help us measure the number of visits, average length of visit, pages viewed and other statistics relating to the use of our Website. Our cookies pose no security risk to you, since they contain no personal information, only a special string of characters that informs the service that you have already used the Website. No personal information is stored within cookies. Please note that some features of the Website may not work if you do not accept cookies. Therefore, please accept any cookies that Veltista Financial Services inc. sends to your computer. You can disable the warning of cookies by selecting certain preferences or menu options in your browser and closing the warning button.
SECURITY MEASURES
Veltista Financial Services Inc. understands the importance of protecting your personal information and uses the latest Internet security protocols to protect the personal information collected by the Website. However, you should be aware that the Internet is not a secure means of communication. Therefore, Veltista Financial Services Inc. makes no representations or warranties as to the absolute security of any personal information you provide to Veltista Financial Services Inc. through the Website. You understand that you provide this information at your own risk.
Also, keep in mind that the voluntary dissemination of personal information during chat rooms, in comments, by e-mail or on a message board is not covered by this Privacy Policy. protection of your privacy; therefore, you should always be careful when giving out your personal information through these means. You transmit this information at your own risk. This information may be collected and used by third parties without obtaining any prior consent from you. In short, if you register personal information online and this information is accessible to the public, you risk possibly receiving unsolicited messages from third parties. Veltista Financial Services Inc. assumes no responsibility in this regard. At all times, we advise you to remain cautious and attentive when you are online.
YOUR CONSENT
Except as provided below, Veltista Financial Services Inc. will not sell, transfer or disclose your personal information to third parties without your consent. Certain personal information may be disclosed to third parties for the sole purpose of processing your order or arranging to ship what you have ordered, or handling your complaint or request. Veltista Financial Services Inc. may also share your personal information with third parties who administer contests, promotions and online activities on its behalf. Additionally, Veltista Financial Services Inc. must provide your personal information to respond to a search warrant or other valid legal investigation or order, or to an investigative body in the event of a breach of contract or violation of law, or if the law otherwise requires it. Veltista Financial Services Inc. may also disclose personal information to help it collect a debt you owe it.
THIRD PARTY SERVICES
To personalize your experience at veltistafinancial.ca and simplify the sign-up process, we provide you with the ability to access or interact with third-party services, such as Facebook and Twitter. When you connect to veltistafinancial.ca through these third party services, we may transmit information about you to the providers of these services, and they may in turn transmit information about you to us.
When you allow us to access your data through a third party service to create a Site profile, we may use that data for several purposes, including:
Create automatic links in our system. For example, if you connect to us through a service with a public friends list, such as Twitter, we may check to see if some of the people who follow you on Twitter are also members of veltistafinancial.ca. If we find a match, we will copy your Twitter relationship with those members allowing them to become your followers, followers or friends on our Site.
Suggest relationships. For example, if you connect through a service with a private list of contacts (such as Google and Yahoo!), we check who is a member of the Site among your contacts and suggest that you become a fan of these users. This process is not automatic: you must choose to become a fan of the suggested users. Populate a list of possible friends to whom you can send emails. When users forward content to their friends using, for example, the Site’s forward-to-a-friend feature, we may use friend lists from third-party company services to create a list of contacts to whom you may send the email.Complete a list of possible friends to whom you can send messages about specific services. For example, we might use the friends lists of third-party services to create a list of contacts to whom you could send an invitation to watch an interactive presentation. To improve and personalize your experience on the Site. When you log in through a third-party service, we may access certain account information, such as your profile picture, popular news on your network, and what your friends are saying about certain articles or blog posts in order to improve and personalize your experience on veltistafinancial.ca.
GUIDELINES FOR CHILDREN
We do not intentionally collect personal information from children under the age of 13. If we learn that we have collected personal information from a child under 13 without verifiable parental consent, we will delete that information from our database as soon as possible. If you believe we may have collected information from a child under 13, please contact us.
CHANGES TO THE PRIVACY POLICY
We may update this Privacy Policy at any time to reflect changes to our practices and service offerings. If you continue to use veltistafinancial.ca after the change notice, it means that you consent to and accept the new terms of the Privacy Policy. If you do not agree with the modifications made or with the new terms of the policy, you must immediately stop using veltistafinancial.ca.
HOW TO CONTACT VELTISTAFINANCIAL.CA
If you do not wish to receive emails from veltistafinancial.ca, please either modify your communication preferences on the website or click on the “Contact” section and send us an email titled “unsubscribe”. You can also write to us at: [email protected]. If you wish to revise or update the personal information contained in your client register or withdraw your consent for the collection, use or disclosure of your personal information, or for any request, please communicate with us in the “Contact” section.
WITNESSES
We use cookies to improve your user experience and provide you with enriched and personalized content.
A cookie (hereinafter the “Cookies”) is a text file that may be saved in a terminal [computer, tablet, smart phone] when consulting a Service with navigation software. A Cookie allows its issuer, during its period of validity, to recognize the terminal concerned each time this terminal accesses digital content containing Cookies from the same issuer.
The User is informed that, when connecting to the Site or the Applications and when using the Services, Cookies are installed on their receiving terminal [computer, tablet, smartphone, etc.] for the proper functioning of the Services, or on their browser subject to the choice expressed by the User regarding cookies; this choice can be modified at any time.
1) WHAT ARE THE PURPOSES OF COOKIES?
In order to better inform the User about Cookies, these Cookies should be grouped into 6 categories: (a) Site and Application browsing cookies (b) Audience measurement cookies (c) Cookies (d) Behavioral Targeting Cookies (e) Social Network Sharing Cookies (f) “Flash” Cookies © from “Adobe Flash Player ”™ .
— Browsing Cookies on the Site and Applications:
Browsing Cookies improve the performance of the Services in order to provide the User with better use of the Site and the Applications. These Cookies do not require the prior information and consent of the User to be placed on the User’s terminal.
More specifically, these browsing Cookies allow in particular:
To adapt the presentation of the Site and the Applications to the display preferences of the terminal (language used, display resolution, operating system used, etc.) during User visits to the Site and the Applications, depending on the equipment and the viewing or reading software that the terminal includes;
To memorize information relating to the form that the User has completed on the Site and the Applications or to information that the User has chosen on the Site or the Application; To offer the User access to his account or to any other reserved space using his identifiers; To implement security measures, for example when the User is asked to connect again to a content or a Service after a certain period of time has elapsed.
— Audience measurement cookies:
Audience measurement cookies help to establish statistics and volumes of visits and use of the various elements making up the Site and the Applications (sections and content visited, routes), allowing the Publisher to improve the interest and the ergonomics of the Services.
— Advertising Cookies:
Advertising cookies make it possible to determine in real time which advertising to display based on the User’s recent browsing on the Site and the Applications in order to limit the number of times the User has seen an advertisement and to help measure the effectiveness of an advertising campaign.
— Behavioral Analysis Cookies:
Behavioral analysis Cookies make it possible to identify which information from the Site and Applications could interest the User the most, to help improve his navigation and make it more interesting.
Insofar as the User has provided the Publisher with Data concerning him, in particular through his registration for the Services, the Publisher is likely, subject to the User’s choices, to associate browsing information processed by the Cookies that the Publisher issues, with the User’s Data in order to send him, for example electronic prospecting or to display on his terminal, within advertising spaces containing Cookies, personalized advertisements.
The User may at any time request to no longer receive advertisements or prospecting adapted to the navigation information of his terminal, by contacting the Publisher directly and free of charge, or by means of the unsubscribe link included in any prospecting that the Publisher will be likely to send him by e-mail. If the User chooses to refuse behavioral advertising, this does not mean that he will no longer receive advertising on the Internet. This only means that the advertising that will be displayed on the Site or the Application will no longer correspond to his centers of interest or his preferences on the Web browser used by the User.
In the event that the Publisher plans to obtain User browsing information from a third party that the Publisher could associate with the Data provided by the User, the Publisher will first seek their explicit agreement before proceeding. to such an association and to send it targeted advertisements or prospecting. The explicit agreement will consist in ticking a box proposed on the Services to which he is registered as follows “I wish to be displayed or receive advertisements adapted to my navigation observed by Veltista Financial Services partners”.
— Social network sharing cookies:
The Publisher offers Users the possibility of functionalities allowing them to share editorial content and any type of content published on the Site through social network sites. Social network cookies are managed by the publisher of the social network site. The User is invited to read the management policy for social network cookies on the sites concerned.
2) HOW CAN THE USER MANAGE COOKIES?
The User is first informed that the Publisher’s partners and any other third party may place Cookies on the Site. Only the issuer of a Cookie is likely to read or modify the information contained therein and the Publisher has no access or control over the Cookies that third parties may use. The issue and use of Cookies by third parties are subject to the privacy policies of these third parties in addition to the provisions of this Charter. Consequently, the User is invited to visit the websites of these third parties for more information on the Cookies they record and how the User can manage them.
— The Witness Agreement
The User is presumed to have given his consent:
by clicking on the “X” icon or the “I understood” button appearing on the information banner visible when first connecting to the Site;
by continuing to browse, i.e. when the User has clicked on an element of the Site (image, link, “search” button, etc.) or has gone to another page of the Site.
If the User accepts via his navigation software the recording of Cookies in his terminal, the Cookies integrated into the pages and contents which he has consulted may be stored temporarily in a dedicated space of his terminal. They will be readable there only by their issuer.
The consent given by the User is only valid for a period of thirteen (13) months from the first deposit in the equipment of the User’s terminal, following the expression of the latter’s consent.
— The refusal of the Witnesses
If the User refuses the registration of Cookies in his terminal or his browser, or if he deletes those which are registered there, the User is informed that his navigation and his experience on the Site or the Application may be limited. This could also be the case when the Publisher or one of its service providers could not recognize, for technical compatibility purposes, the type of browser used by the terminal, the language and display settings or the country from which the terminal appears to be connected to the Internet.
Where applicable, the Publisher declines all responsibility for the consequences related to the degraded functioning of the Services resulting from (i) the refusal of Cookies by the User (ii) the impossibility for the Publisher to record or consult the Cookies necessary for their operation due to the choice of the User.
— Configuring the navigation software
The User can configure his navigation software in such a way that Cookies are saved in the terminal or, on the contrary, that they are rejected, either systematically or according to their issuer. The User can also configure his navigation software in such a way that the acceptance or refusal of Cookies is offered to him from time to time, before a Cookie is likely to be saved in his terminal.
For the management of Cookies and User choices, the configuration of each browser is different. It is described in the help menu of the browser, which will allow you to know how to modify your wishes in terms of Cookies:
FOR INTERNET EXPLORER™:
http://windows.microsoft.com/fr-FR/windows-vista/Block-or-allow-cookies,
FOR SAFARITM:
http://docs.info.apple.com/article.html?path=Safari/3.0/fr/9277.html,
FOR CHROME™:
http://support.google.com/chrome/bin/answer.py?hl=fr&hlrm=en&answer=95647
FOR FIREFOX™:
http://support.mozilla.org/fr/kb/Activer%20et%20d%C3%A9sactiver%20les%20cookies
FOR OPERA™:
http://help.opera.com/Windows/10.20/en/cookies.html
At any time, the User can choose to express and modify his wishes in terms of Cookies.
USER CHOICES EXPRESSED ONLINE
EXERCISE YOUR CHOICE VIA OUR OPT-IN/OPT-OUT SCHEMES AND THOSE OF OUR PARTNERS
Some cookies we issue are provided by third-party providers. To learn more about their practices and to exercise your choices regarding these cookies, you can go to the following pages:
