Online Privacy Policy

Risk Wise Inc. ("Risk Wise Inc.") has established this Privacy Policy to explain how it protects and manages the personal information that it collects from you (the customer) online.

Consent for Collection, Use and Disclosure

Your use of the Risk Wise Inc. site and/or your registration for products and services constitute your consent to the terms of this Privacy Policy. If you do not agree to the terms of this Privacy Policy, please do not use the Risk Wise Inc. site.

A customer may withdraw his or her consent for collection, use and disclosure at any time by sending an email. Please make sure you tell us what Email address to unsubscribe and put the word "unsubscribe" in the subject line. Note that, if you do, Risk Wise Inc. may suspend its provision of products and services to you. When you unsubscribe, if you fall within the guarantee period for any Risk Wise Inc. product and you request a refund, the guarantee will be honored.

Accountability

Risk Wise Inc. collects, at the time of your registration and your sign-on to its web site, certain “personal information” (information that personally identifies you) including but not limited to your name, email address, home or work address, telephone number, and information about your computer hardware and software (e.g., IP address, operating system, browser type, domain name, URL, access times, and referring web site addresses).

Purposes for Collecting Personal Information

Risk Wise Inc. collects and uses personal information for the following Identified Purposes:

• to understand customer needs regarding Risk Wise Inc.’s services;
• to develop and provide our web site and our products and services for our customers;
• to fulfill your requests for products, services or information;
• to communicate with customers and site visitors, when necessary, and to inform customers of upgrades, as well as of other products and services available from Risk Wise Inc., its affiliates and third parties;
• to allow customers to access limited-entry areas of Risk Wise Inc.’s site;
• to personalize some of our services and products for you and to deliver targeted advertisements and offers from Risk Wise Inc. and third parties;
• to bill accounts and maintain payment records;
• to comply with any applicable law, regulation, legal process or government request;
• to respond to a legitimate claim, or to address our reasonable belief, that you are violating the rights of any third party or any of the agreements or policies that govern your use of the Risk Wise Inc. site or any product or service;
• to protect the services, products or rights of Risk Wise Inc., including but not limited to the security or integrity of the Risk Wise Inc. site; and
• to identify and resolve technical problems concerning Risk Wise Inc.'s site, products and services.

Risk Wise Inc. also uses personal information in an aggregate form (i.e., not individually attributable to you) for its business analysis, operational, marketing and other promotional purposes.

If we hire other companies to provide some products or services on our behalf, then we will only provide those companies the personal information they need for the Identified Purposes, and we will limit their rights to use and further disclose your personal information as appropriate in the course of their work for us.

Limiting the Collection of Personal Information

Risk Wise Inc. limits its collection of personal information to only that information which is necessary for the Identified Purposes. Risk Wise Inc. does not direct its site to, nor does it knowingly collect any personal information from children under the age of thirteen.

When you visit the Risk Wise Inc. web site, a cookie may be placed on your computer or the cookie may be read if you have visited the Risk Wise Inc. site previously. If you choose to not have your browser accept cookies from the Risk Wise Inc. web site, you may not be able to view all the text on the screens, or to experience a personalised visit, or to subscribe to certain service and product offerings on the Risk Wise Inc. site.

Disclosure, Processing and Retention

Risk Wise Inc. does not sell, rent or disclose your personal information to anyone else, except:

• to someone you have designated to act as your agent, for one or more of the Identified Purposes (listed in Section 2, above);
• to Risk Wise Inc.’s employees, independent contractors, subsidiaries, affiliates, consultants, business associates, service providers, suppliers and agents, acting on Risk Wise Inc.’s behalf for any of the Identified Purposes;
• as necessary if Risk Wise Inc. has reason to believe that disclosure is necessary to identify, contact or bring legal action against someone who may be causing injury to or interference (either intentionally or unintentionally) with Risk Wise Inc.'s rights or property, other users of Risk Wise Inc.’s web site, products or services, or anyone else that could be harmed by such activities; and
• to respond to judicial process and provide information to law enforcement agencies or in connection with an investigation on matters related to public safety, as permitted by law, or otherwise as required by law.

In addition, as we continue to develop our business, we or our affiliates may sell or buy other businesses or entities, or we may merge with another company. In such transactions, personal information may be one of the transferred business assets. Also, in the event that Risk Wise Inc. or substantially all of its assets are acquired, your personal information may be one of the transferred assets.

Your information may be stored and processed in the Canada or the United States, or in any other country in which Risk Wise Inc. or its affiliates, subsidiaries or agents maintain facilities. By using this web site, you consent to any such transfer of information outside of your country.

After your account becomes inactive (that is, if you request to be removed from our database), Risk Wise Inc. will keep your personal information in its archives. Your information will then be used only as necessary for tax reasons or to prove Risk Wise Inc.’s compliance with any applicable law.

Accuracy of Personal Information

Risk Wise Inc. will use reasonable efforts to keep customer personal information accurate for the Identified Purposes, and for minimizing the possibility of making inappropriate customer decisions based on such information. Customers are responsible for informing Risk Wise Inc. about changes to their personal information. You can do this by calling 416.214.7598 or sending an email. Risk Wise Inc. will use new or updated personal information it receives from customers to update its own records.

Access to Personal Information

Risk Wise Inc. will afford you a reasonable opportunity to review the personal information in your file, if you so request by calling 416.214.7598, writing to:

Risk Wise Inc.
1 Yonge St., Suite 1801
Toronto, Ontario M5E 1W7 Canada

If Risk Wise Inc. is not able to provide access to some aspect of a customer’s personal information, it will provide reasons for denying access such as; that by doing so would likely reveal personal information about a third party, or that it is confidential commercial information or attorney–client privileged communications, or that the information relates to a breach of an agreement or a contravention of law, or that its disclosure could reasonably be expected to threaten the life or security of another individual.

Customers have the right to request that inaccurate or incomplete information be amended as appropriate, by contacting Risk Wise Inc. or the Privacy Officer as described above. Risk Wise Inc. will promptly correct such personal information.