Privacy Policy

INTRODUCTION

Equix Inc. and our affiliates and subsidiaries («Company,» «we,» or «us») respect your privacy and are dedicated to protecting it by adhering to this policy.

This policy outlines:

• How we collect, use, disclose, and safeguard the personal information of our customers and website users («you»).
• The types of information we may gather from you or that you may provide when you visit equix.ca (our «Website»).
• Our practices for handling, maintaining, and disclosing that information.

In Canada, «personal information» is defined as any information about an identifiable individual, which can be used alone or with other information to identify, contact, or locate a single person. This does not include business contact details, such as your name, title, or professional contact information.

This policy applies to information we collect, use, or disclose about you:

• On this Website.
• In emails, texts, and other electronic communications between you and this Website.
• When you engage with our advertising or applications on third-party websites and services that include links to this policy.

The Website may contain links to third-party websites, plug-ins, services, social networks, or applications. Clicking these links or enabling these connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy policies. We encourage you to read the privacy policy of every website you visit.

Please review this policy carefully to understand our practices regarding your information. If you do not agree with our policies, your choice is not to use our Website. By accessing or using this Website, you agree to the practices described in this policy. This policy may change periodically (see Changes to Our Privacy Policy). Continued use of this Website after changes indicates your acceptance of those changes. Please check the policy periodically for updates.

INFORMATION WE COLLECT ABOUT YOU

We collect and use various types of information from and about you, including:

• Personal Information: Information we can reasonably use to directly or indirectly identify you, such as your name, mailing address, email address, phone number, IP address, user name, billing and account information, and other identifiers.
• Tax Identification Numbers: Including your Social Insurance Number (SIN) collected to meet legal or regulatory obligations.
• Credit Information: Such as your occupation, employer details, rent or mortgage information, assets, income, previous addresses, SIN (optional), date of birth, biometric data, and government-issued identification details.
• Financial Information: Including credit card or financial account information, balance and transaction history, and records of inquiries or complaints.
• Transaction Information: Details about your use of our products or services, including purchase and payment history.
• Information about Others: Information about spouses, common-law partners, or authorized users of your account. By providing this information, you confirm that you have obtained their consent for us to collect, use, and share their information.
• Business-Related Information: Including your job title, duties, business address, email, and phone number.
• Non-Personal Information: Data that does not directly reveal your identity, such as demographic information or statistical data. We may derive non-personal data from personal information, such as aggregating user data to calculate the percentage of users accessing specific Website features.
• Technical Information: Including login details, browser type, time zone settings, operating system, internet connection details, and Website usage patterns.
• Website Interaction Details: Such as URLs, clickstream data, products viewed or searched for, page response times, download errors, visit durations, page interaction details, and methods used to navigate away from the page.

HOW WE COLLECT INFORMATION ABOUT YOU

We gather information through various methods:

• Direct Interactions: When you provide information by filling out forms, corresponding with us via phone, email, or other means.
• Credit Bureaus: For credit checks and identity verification.
• Public Sources: Such as directories, government registries, and other publicly available records.
• Other Organizations: Through business transactions or strategic partnerships.
• User Contributions: Information you provide for publication on public Website areas or for transmission to other users or third parties.
• Automated Technologies: Information collected automatically as you navigate through our Website, including cookies, web beacons, and other tracking technologies.

INFORMATION YOU PROVIDE TO US

Information collected directly from you on our Website includes:

• Information provided by filling out forms, registering for services, applying for products, posting material, or requesting additional services.
• Correspondence records, including emails, if you contact us.
• Responses to surveys for research purposes.
• Details of product or service transactions conducted through our Website.
• Search queries on the Website.
• User Contributions posted on public areas of the Website or transmitted to other users or third parties.

INFORMATION WE COLLECT THROUGH COOKIES AND OTHER TECHNOLOGIES

As you interact with our Website, we may use cookies and other technologies to collect information about your equipment, browsing actions, and patterns, including:

• Details of your visits to our Website, including traffic data, location data, logs, and resource access.
• Information about your computer and internet connection, such as IP address, operating system, and browser type.
• Online activity tracking over time and across third-party websites (behavioral tracking).

The information collected automatically is statistical and may include personal information. It helps us improve our Website and deliver a better, more personalized experience by enabling us to:

• Estimate audience size and usage patterns.
• Store preferences to customize the Website.
• Speed up searches.
• Recognize you when you return to our Website.

Technologies used for automatic data collection include:

• Cookies: Small files placed on your device. You may refuse cookies by adjusting your browser settings, though this may limit Website functionality.
• Web Beacons: Small electronic files that track user engagement with Website pages or emails.

THIRD-PARTY COOKIES AND TRACKING TECHNOLOGIES

Some content or applications on the Website, including advertisements, are served by third parties who may use cookies or tracking technologies to collect information about your activities. This data may be used for interest-based advertising or targeted content. You can opt out of certain tracking by visiting the Digital Advertising Alliance of Canada Opt-Out Tool.

HOW WE USE YOUR INFORMATION

We use your information to:

• Present our Website and its contents.
• Provide requested information, products, or services.
• Fulfill the purposes for which you provided the information.
• Send account-related notices.
• Understand your financial needs and tailor products, services, and offers.
• Perform business operations and meet legal obligations.
• Conduct market research and business development.
• Protect against fraud and manage risk.
• Notify you about Website changes or new services.
• Improve our Website, services, and customer relationships.
• Allow participation in interactive Website features.
• Contact you about products or services that may interest you, as permitted by law.

DISCLOSURE OF YOUR INFORMATION

We may disclose aggregated, non-identifying information without restriction. Personal information may be disclosed:

• To subsidiaries and affiliates.
• In business transactions such as mergers or asset sales.
• To contractors, service providers, and third parties who support our business and adhere to confidentiality standards.
• To payment networks, intermediaries, credit bureaus, and regulatory authorities as required by law.
• To investigate and prevent fraud or illegal activities.
• With your consent or as otherwise described when you provide information.

CREDIT BUREAUS

When applying for a mortgage through Equix, we conduct credit checks and exchange information with credit bureaus. This process continues as long as you have products with us and for a reasonable time after closure. We use this information to assess applications, verify identities, and manage risks. We may share information with:

• TransUnion, 3115 Harvester Road, Burlington, ON, L7N 3N8
• Equifax, National Consumer Relations, Box 190, Montreal, QC, H1S 2Z2
• Sterling Backcheck, 5600-100 King Street West, Toronto, ON, M5X 1C9

TRANSFERRING YOUR PERSONAL INFORMATION

Your personal information may be transferred, stored, or processed outside of Canada. In these cases, foreign governments, courts, or regulatory agencies may access your information. We ensure that our service providers maintain privacy standards consistent with this policy and Canadian law. By using our Website, you consent to such transfers.

CHOICES ABOUT HOW WE USE AND DISCLOSE YOUR INFORMATION

You have options regarding your personal information:

• Tracking Technologies: Adjust your browser to refuse cookies or notify you when cookies are being sent.
• Promotional Offers: Opt-out of promotional communications by emailing communications@equix.ca or using the unsubscribe link in our emails.

DATA SECURITY

We implement physical, electronic, and administrative measures to protect your personal information. However, no security system is perfect, and we cannot guarantee complete security. You are responsible for safeguarding your account credentials and being cautious when sharing information in public Website areas.

DATA RETENTION

We retain personal information only as long as necessary to fulfill its collection purposes, including legal and regulatory obligations. Anonymized data may be used for legitimate business purposes without further notice to you.

ACCESSING AND CORRECTING YOUR PERSONAL INFORMATION

To review, verify, correct, or withdraw consent regarding your personal information, contact us at privacy@equix.ca. We may charge a fee for access requests, which will be communicated in advance. We may refuse requests that violate legal requirements or compromise data accuracy.

WITHDRAWING YOUR CONSENT

You may withdraw your consent to the collection and use of your personal information under certain circumstances. Contact us at privacy@equix.ca to discuss the impact of withdrawal.

CHANGES TO OUR PRIVACY POLICY

We will post changes to this privacy policy on this page. Material changes will be communicated via email to the address associated with your account. The date of the latest revision is at the top of the page. You are responsible for keeping your contact information up-to-date and reviewing this policy regularly.

CONTACT INFORMATION AND CHALLENGING COMPLIANCE

For questions, comments, or concerns regarding this privacy policy or our privacy practices, please contact us at privacy@equix.ca.

We have procedures in place to address complaints or inquiries about our handling of personal information. To discuss our compliance with this policy, please contact our Privacy Officer using the contact information provided above.