Diversified Financial Services Inc.

At Diversified Financial Services inc. (DFS Inc.), we are committed to providing our clients and web site visitors with exceptional service. As providing this service may involve the collection, use and disclosure of some personal information about our clients and web site users, protecting their personal information is one of our highest priorities.
We will inform our clients and web site visitors of why and how we collect, use and disclose their personal information, obtain their consent where required, and only handle their personal information in a manner that a reasonable person would consider appropriate in the circumstances.
This Personal Information Protection Policy, outlines the principles and practices we will follow in protecting clients' and web site visitors' personal information. Our privacy commitment includes ensuring the accuracy, confidentiality, and security of our clients' and web site visitors' personal information and allowing our clients and web site visitors to request access to, and correction of, their personal information.
Privacy and confidentiality
DFS is committed to take all reasonable measures to protect the privacy of Users with respect to the personal information they provide and will give effect to the principles, terms, and conditions contained in this privacy policy in accordance with applicable privacy legislation, including the requirements, procedures, exclusions, and exceptions provided therein.
Despite its best efforts and the measures taken by DFS to ensure the protection of personal information, the risk that the confidentiality or privacy of such information is violated, lost, or otherwise breached cannot be excluded. It is therefore understood and agreed that access to or use of this web site is at the user's own risk, which he hereby accepts, and entails waiver of any rights or remedies against DFS for any prejudice whatsoever arising out of or in connection with the exchange, collection, use, disclosure, retention, or disposal of personal information. DFS is not responsible for and shall not be liable to the user or other persons for any claims, losses, costs, expenses, or damages whatsoever arising out of or in connection with the exchange, collection, use, disclosure, retention, or disposal of personal information, except in cases where such prejudice results directly and entirely from the negligence of DFS in the performance of its legal obligations under the Privacy Act. Subject to applicable privacy legislation in Canada, it is understood that, by accessing or using the web site, filing an application or asking about or for DFS's products, solutions or services identified in the web site, users agree and consent to the collection, use, disclosure, retention, and disposal of the personal information required by DFS for the purposes identified in this Privacy Policy or for a use consistent with those purposes.
Collecting Personal Information
Unless the purposes for collecting personal information are obvious and the client or web site visitor voluntarily provides his or her personal information for those purposes, we will communicate the purposes for which personal information is being collected, either orally or in writing, before or at the time of collection.
We will only collect clients and web site visitors information that is necessary to fulfill the following purposes:

To verify identity (clients only)
To identify client and web site visitor preferences
To provide requested services
To ensure a high standard of service to our clients and web site visitors
To meet regulatory requirements

Consent
We will obtain client or web site visitor consent to collect, use or disclose personal information (except where, as noted below, we are authorized to do so without consent). Consent can be provided orally, in writing, or electronically, through an authorized representative, or it can be implied where the purpose for collecting using or disclosing the personal information would be considered obvious and the client or web site visitor voluntarily provides personal information for that purpose.
Consent may also be implied where a client or web site visitor is given notice and a reasonable opportunity to opt-out of his or her personal information being used for mail-outs, or the marketing of new services, and the client or web site visitor does not opt-out. Subject to certain exceptions (e.g., the personal information is necessary to provide the service or product, or the withdrawal of consent would frustrate the performance of a legal obligation), client or web site visitor can withhold or withdraw their consent for DFS Inc. to use their personal information in certain ways. A clients' or web site visitors' decision to withhold or withdraw their consent to certain uses of personal information may restrict our ability to provide a particular service or product. If so, we will explain the situation to assist the client or web site visitor in making the decision.
We may collect, use or disclose personal information without the clients' or web site visitors' knowledge or consent in the following limited circumstances:

When the collection, use or disclosure of personal information is permitted or required by law
In an emergency that threatens an individual’s life, health or personal security
When the personal information is available from a public soured (e.g., a telephone directory)
When we require legal advice from a lawyer
For the purposes of collecting a debt
To protect ourselves from fraud
To investigate an anticipated breach of an agreement or a contravention of law.

Using and Disclosing Personal Information
We will only use or disclose client or web site visitor personal information where necessary to fulfill the purposes identified at the time of collection or for a purpose reasonably related to those purposes such as:

To conduct client or web site visitor surveys in order to enhance the provision of our services
To contact our clients directly about products and services that may be of interest.

We will not use or disclose client or web site visitor personal information for any additional purpose unless we obtain consent to do so. We will not sell client or web site visitor lists or personal information to other parties.
Retaining Personal Information
If we use client or web site visitor personal information to make a decision that directly affects the client or web site visitor we will retain that personal information for at least one year so that the client or web site visitor has a reasonable opportunity to request access to it.
We will retain client or web site visitor personal information only as long as necessary to fulfill the identified purposes or a legal or business purpose.
Securing Personal Information
We are committed to ensuring the security of client or web site visitor personal information in order to protect it from unauthorized access, collection, use, disclosure, copying, modification or disposal or similar risks.
The following security measures will be followed to ensure that client or web site visitor personal information is appropriately protected:

Physically securing offices where personal information is held
The use of user IDs, passwords, firewalls
Restricting employee access to personal information as appropriate (i.e., only those that need to know will have access
Contractually requiring any service providers to provide comparable security measures.

We will use appropriate security measures when destroying client's or web site visitor's personal information such as shredding documents and deleting electronically stored information.
Providing Clients and Web Site Visitors Access to Personal Information Clients and web site visitors have a right to access their personal information, subject to limited exceptions.
A request to access personal information must be made in writing and provide sufficient detail to identify the personal information being sought. Upon request, we will also tell clients and web site visitors how we use their personal information and to whom it has been disclosed if applicable. Client and web site visitors should direct any complaints, concerns or questions regarding DFS Inc. in writing to Diversified Financial Services Inc.