Privacy Policy
BTB is committed to protecting your privacy. We do not collect personal information about you unless you voluntarily provide it to us, nor do we gather personal information about you while you are using this website.
We protect all personal information you entrust to us, taking precautions against unauthorized access, collection, use or disclosure. We do not disclose any of your personal information unless you give us written authority.
Fisgard complies with British Columbia’s privacy legislation (the Personal Information Protection Act or ‘PIPA’). This act governs the collection, use and disclosure of personal information by all private sector organizations in the province. We maintain the confidentiality of all client information that we collect, use and disclose in our business.
Why We Need Access to Personal Information
To provide lending services and investment opportunities to our clients we need access to relevant facts and information that relate to their personal and business finances.
How We Collect, Use and Disclose Personal Information
Wherever practical we endeavor to collect personal information directly from the person to whom the information pertains. If necessary we may collect personal information from other sources. By using Fisgard for lending and investment services, you consent to our necessary collection, use or disclosure of your personal information in order to properly serve you as our client.
BC’s privacy Act deems that you consent to our collecting, using or disclosing your personal information if our purpose at the time would be considered obvious to a reasonable person. In these circumstances we will collect, use or disclose personal information without obtaining your written or verbal consent. The Act also permits us to collect, use or disclose personal information in some circumstances without an individual’s consent. These include (but are not limited to) circumstances where:
- The personal information is available to the public from a prescribed source
- The collection, use or disclosure of personal information is required or authorized by law.
When we collect, use or disclose any personal information, we make reasonable efforts to ensure that it is accurate and complete.
Protecting the Security of Personal Information
We recognize our professional and legal obligations to protect the confidential or personal information our clients provide to us during the course of our business. To that end we have made arrangements to secure against the unauthorized access, collection, use, disclosure, copying, modification, disposal or destruction of personal information.
Requesting Access to Personal Information
BC’s privacy Act permits you to submit written requests to us to provide you with:
- Personal information under our custody and control
- Information about how we are using or how we have used personal information under our control
- Names of individuals and organizations to whom we have disclosed personal information under our control.
If you request access to this information, we will respond in the time allowed by the Act and will make a reasonable effort to help you and respond as accurately and completely as reasonably possible. All requests may be subject to any fees and disbursements the law permits us to charge. Your ability to access your personal information under our control is not absolute. PIPA provides that we must not disclose personal information when:
Disclosing the personal information would reveal confidential commercial information that if disclosed could, in the opinion of a reasonable person, harm the competitive position of an organization.
Requesting Corrections to Personal Information
The law permits you to submit written requests to us to correct errors or omissions in your personal information that is in our custody or control. We will:
- Correct the personal information and, if reasonable, send correction notices to any other organizations to whom we disclose the incorrect information, or;
- Decide not to correct the personal information, but add a note to the information that a correction was requested but not made.