Privacy Policy

W3 Compact Policy

This privacy policy ("Privacy Policy") discloses the privacy practices for the website('s) of Effectuality Inc.

Effectuality values the privacy of its users. This Privacy Policy outlines what information Effectuality collects, how Effectuality protects such information and what options users have about how such information is used.

Effectuality agrees to notify users of: (i) what personally identifiable information of users or third party personal identification is collected from users through the website; (ii) the organization that is collecting the information; (iii) how the information is used; (iv) with whom the information may be shared; (v) what options are available to users regarding collection, use and distribution of the information; (vi) what kind of security procedures are in place to protect the loss, misuse or alteration of information under Effectuality control; and, (vii) how users can correct any inaccuracies in the information.

This website contains links to other sites. Please remember that if you link to a third party site from Effectuality, any information that you reveal on that website is not subject to this Privacy Policy. Accordingly, Effectuality recommends that users consult the privacy policies of each website they visit. This Privacy Policy applies solely to information collected by this website.

Effectuality does not sell or rent or distribute confidential information except as is otherwise disclosed under this Privacy Policy.

Effectuality does not collect personally identifiable information on its website regarding users unless a user voluntarily provides such information. Effectuality will not disclose individual identity or personally identifiable information of a user without the user's prior consent except as required by law, court order, or as requested by other government or law enforcement authority. Effectuality is the sole owner of the information collected on this website.

Effectuality does not automatically gather any personal information on its website nor does it know the names or addresses or other confidential or personal information of users. However, Effectuality collects personally identifiable information from users with their consent at several different points on this website such as the shopping system, or newsletter subscription area. If a user chooses to use the services set out in such points in the website, Effectuality may collect personal information from such user with his or her consent, such as an address and other specific financial information collected directly from a consumer loan application in order to establish the financial resources of any prospective borrower.

In addition, if a user contacts Effectuality with respect to its services, this information may be used to contact the user about the services on our site for which they have expressed an interest.

Effectuality may also use IP addresses or other means to analyze trends, administer the site, track user movements, and gather broad demographic information for aggregate use. IP addresses are not linked to personally identifiable information.

It is also possible that some advertisers to this website may collect non-personally identifiable information about users through advertising banner ads within the website that may be used by advertisers for the purpose of targeting ads and measuring ad effectiveness. The collection and use of information about users by third party advertisers and vendors or service providers is subject to their separate privacy policies, which users should review carefully.

Subject to the exceptions listed herein, Effectuality will not disclose to unaffiliated companies any personal information it gathers from users that could be used to identify or contact users. Any personal information provided to entities affiliated with Effectuality will be treated in accordance with the terms this Privacy Policy, unless users are otherwise notified and given an opportunity to consent to such release.

Effectuality may also release personal information in limited circumstances to third parties such as compliance with valid legal requirements such as a law, regulation, search warrant, subpoena or court order.

Effectuality may disclose in limited circumstances certain personal information to third parties with the consent of the user. At the Credit Application, personal information that the user provides may be disclosed, subject to applicable government laws and regulations, to credit reporting agencies to verify information or to obtain a credit report or support the credit approval process. In this regard, Effectuality will only release such information that is necessary to identify a user, as well as facts from Effectuality credit records about applicable repayment history. When credit is approved, Effectuality may share names or other certain information of a user concerning the account to various lenders or underwriters of Effectuality that is necessary for such lenders and underwriters to monitor Effectuality's consumer loan portfolio.

Any third parties are not allowed to use personally identifiable information except for the limited purpose of monitoring Effectuality's loan portfolio. Effectuality / Jive Internet may share aggregated demographic information with our advertisers, vendors or service providers. This non-personally identifiable information will not allow any third party to identify any individual users or contact users. For example, Effectuality might disclose to such third parties the number of users of this website and the activities they conduct using this website.

Effectuality may collect information about users and their use of the website through the use of Cookies. "Cookies" are pieces of data stored on a user's computer hard drive containing information about such user. Usage of a cookie is in no way linked to any personally identifiable information while on the Effectuality website. Cookies can enable Effectuality to track how many users are using the website and target the interests of its users to enhance the experience on its website. Effectuality's shopping cart system uses cookies to stor the users current order and keeps the address information for a period of 6 weeks. This saves the user time filling out redundant information on a return visit.

Effectuality has implemented a number of safeguards to ensure that when users submit sensitive information via the website, personal information remains as secure as reasonably possible both online and off-line. Effectuality uses technical safeguards to help ensure the integrity and privacy of any personal information provided by users via the Internet. In addition, Effectuality maintains a code of conduct for its employees that are permitted to access users' personal information. All employees of Effectuality are familiar with and must abide by this Privacy Policy and the procedures that must be taken to safeguard user information. If any user has any questions about the security at our website, he or she can send an email to

Our users are given the opportunity to opt-out of having any marketing material forwarded to them. Users who do not wish to be forwarded marketing material have the choice of opting out of receiving such communications by emailing us at or contacting Effectuality by phone at 1-866-630-3355 (toll free) or 1-416-630-3355.

Effectuality strives to keep the personal information of users as accurate and up-to-date as is necessary for the purposes identified in this Privacy Policy. Effectuality will endeavor to correct or update personal data if identifiable information changes (such as a user's credit history), or if a user no longer desires our services, Effectuality will endeavor to provide a way to remove his or her personal data provided to it. In this regard, users may simply forward an email to or contact Effectuality by phone at 1-866-630-3355 (toll free) or 1-416-630-3355.

Effectuality may change this Privacy Policy at any time. This may be done by posting such policy changes on the website. The use of this website constitutes acceptance of the provisions of this Privacy Policy and any continued usage after such changes are posted will signify acceptance of each revised Privacy Policy. If you do not agree to the terms of this Privacy Policy or any revised policy, you should immediately discontinue use of this web site!

If users believe that Effectuality is not abiding by this Privacy Policy, they should contact the following:

Privacy E-mail:
Phone: 1-866-630-3355 (toll free) or 1-416-630-3355

At Effectuality, we thank you for the opportunity to serve you.

Privacy Policy

The statements on this page disclose our information collection practices and our privacy policy.

Domain: http://www.effectuality.com

Owner:

Effectuality Inc.
102-9488 189th Street
Port Kells, British Columbia
V4N 4W7
Canada
Phone: 604-513-9323
Email:

General Data Collection Statement: Identifiable information is collected.
Our website collects information and/or some information may be used to identify the website user.

Why do we collect information? Effectuality may collect information about users and their use of the website through the use of Cookies. "Cookies" are pieces of data stored on a user's computer hard drive containing information about such user. Usage of a cookie is in no way linked to any personally identifiable information while on the Effectuality website. Cookies can enable Effectuality to track how many users are using the website and target the interests of its users to enhance the experience on its website. Effectuality's shopping cart system uses cookies to store the users current order and keeps the address information for a period of 6 weeks. This saves the user time filling out redundant information on a return visit. Our users are given the opportunity to opt-out of having any marketing material forwarded to them. Users who do not wish to be forwarded marketing material have the choice of opting out of receiving such communications by emailing us at or contacting Effectuality by phone at 1-866-630-3355 (toll free) or 1-416-630-3355.

The access our website visitors are given to the information collected about them is:
Identified Contact Information and Other Identified Data: access is given to identified online and physical contact information as well as to certain other identified data.

If a website visitor wants to file a dispute pertaining to your websites privacy policy, the dispute will be resolved by: Individual may complain to the Web sites customer service representative for resolution of disputes regarding the use of collected data.

We collect information from our visitors to complete a transaction or a website activity such as:

• Returning the results from a web search
• Forwarding an email message
• Placing an order
• Recurring activity such as providing a subscription service
• Allowing access to an online address book or electronic wallet.

We collect information from our visitors for the purpose of contacting them for marketing of services or products (excluding telemarketing); but users must opt-in to have their information used for this purpose.

Information is retained for an indeterminate period of time.

Contact, Shipping, and Order detail information is held Indenfinitely on an opt-in basis. Clients who decide not to opt-in to this will have their order/address information stored in cookie format for up to 6 weeks. No credit card or payment information is ever stored in any manner.

This Web site collects information stored in cookies to include Physical Contact Information,Online Contact Information,Purchase Information

This Web site keeps track of the interactions it has with website visitors other than clickstream data (i.e. account transactions)

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