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Landlord Credit Bureau

Privacy Policy

Last Updated: Jan 31, 2020

How We Protect You

LCB Services Ltd. and its affiliates (“LCB”) is committed to protecting the privacy of information and data that may be used to identify you, your personal information. The intention of this privacy policy (the “Privacy Policy”) is to disclose our information-gathering practices and describe how we use your personal information. The effective date of this Privacy Policy is December 16, 2019.

Information We Collect

The types of personal information we collect include:

  • Payment information processed by our payment processor (LCB does not retain your full credit card information);
  • Personalization information including, but not limited to, an uploaded profile photo;
  • Identifiers: A real name, alias, postal address, email address, unique personal identifier, online identification, Internet Protocol address, email address, account name, Social Insurance Number (LCB does not retain your SIN. It is deleted immediately after used for identity validation purposes), Social Security number (LCB does not retain your SSN.  It is deleted immediately after used for identity validation purposes), driver’s license number, passport number, current or past job history, or other similar identifiers;
  • Commercial Information: Records of personal property, products or services purchases, obtained, or considered, or other purchasing or consuming histories or tendencies;
  • Credit information (as defined by applicable provincial legislation), such as: your name, current/ former address, date of birth, marital status, social insurance number, current/ former employment, paying habits, outstanding debt obligations, estimated income, cost of living obligations, etc.;
  • Information provided to us on applications for tenancy, in correspondence, and other communications; and
  • Information about how you interact with our websites and your online activity (which may include your Internet Protocol address, general location, domain, device type and one or more cookies that may uniquely identify your browser).

 

How We Use Your Personal Information:

The personal information that we collect is used to perform our contractual obligations and for our other legitimate interests.  We may use your personal information for purposes including, but not limited to, the following:

  • To verify your identity;
  • To offer and provide you with LCB products, services and related transactions;
  • To create, prepare and disclose your rent credit report and related services to LCB members as permitted by law;
  • To maintain, update and disclose your rent credit report to you upon written request;
  • To investigate and resolve inaccuracies in your rent credit report;
  • To monitor, review and improve customer service and internal business processes;
  • To audit or investigate the use of our products and services by our members;
  • To create and develop new products and services;
  • To detect, prevent, and address fraud or other illegal activity;
  • To improve our website, including upgrading security measures;
  • To send you promotional materials or communications regarding our content and services that we feel may be of interest to you;
  • To evaluate the products and services that we offer and develop new or improved products or services and to better understand LCB’s business environment;
  • For educational purposes, such as polls conducted in webinars;
  • To conduct general research on topics of interests to LCB and its customers;
  • To collect debts owed to or by you;
  • To comply with all applicable laws; and
  • To meet any applicable law, regulation, legal process, or enforceable request by a governmental agency.

 

How We Share Your Personal Information

We may share your information for any of these purposes with the following individuals and entities:

  • Other credit reporting agencies, including Equifax;
  • To vendors engaged by LCB to provide certain services, including, but not limited to, payment processing management, credit screening, and vacancy management. LCB maintains contracts with our vendors requiring them to only use your personal information as necessary to provide their services and requiring them to comply with the requirements of this Privacy Policy and applicable laws.
  • Services used by LCB to aid our ability to provide the best possible experience to our users.
  • LCB may need to share your information for law enforcement or other legal purposes. This type of sharing may be necessary in connection with a lawsuit, claim or investigation, governmental inquiry, court order, enforcement of legal rights (e.g., contract terms, intellectual property rights, etc.), safety issue, or other similar legal or security matter. Sharing your information for these reasons is not a regular event, but could arise from time to time. We will strive to limit the types and amount of information we may need to share for legal purposes to that which is reasonably necessary.
  • We may share (or receive) information about you, including personal contact information, in the event of an acquisition, merger, sale, corporate restructuring, bankruptcy, or other similar event that involves LCB. If such an event occurs, LCB will take reasonable steps to require that your information be handled in accordance with this Privacy Policy.
  • To collect debts owed to or by you;
  • To comply with all applicable laws; and
  • To meet any applicable law, regulation, legal process, or enforceable request by a governmental agency.

LCB does not sell, rent, or disclose your personal information to third-party entities except as described in this Privacy Policy.

Transfer of Information

LCB is headquartered in Canada. Information we collect from you will be processed in the Canada or the United States. The United States has not sought nor received a finding of “adequacy” from the European Union. With respect to transfer from the European Union, LCB relies on derogations for specific situations. In particular, LCB collects and transfers personal information to the United States only with your consent, to perform on a contract with you (or in your interest), or to fulfill a compelling legitimate interest of LCB in a manner that does not outweigh your rights and freedoms. LCB endeavors to apply suitable safeguards to protect the privacy and security of your personal information and to use it in a manner that is consistent with this Privacy Policy. LCB does not collect sensitive data such as data concerning health, gender, racial or ethnic origins, or genetic or biometric (known as special categories of data in the European Union) or personal information from children.

Data Retention

LCB retains personal information for as long as we have a legitimate business purpose. We may also retain personal information about prospective customers or prospective until we determine that it is unlikely that we will provide you with services. We also may retain your personal information for as long as necessary to comply with our legal or contractual obligations.

Your Rights

If you do not want to receive promotional or marketing communications from LCB, you may opt-out at any time by clicking the “unsubscribe” link at the end of our emails. If you choose to unsubscribe, we will retain your contact information to ensure that we do not contact you again.
If you are located in the European Union, you may have the following legal rights under European Union law:

  • To withdraw consent at any time, if we are processing your personal information on the basis of consent;
  • To access the personal information LCB has about you;
  • To request that LCB rectify or erase your personal information;
  • To request that LCB restrict the way it uses your personal information;
  • To object to the way LCB uses your personal information;
  • To ask LCB to transfer your personal information to someone else;
  • To lodge a complaint with a data protection agency in the European Union.

EU residents that would like to request that their data be securely removed from our systems please send a request to support@landlordcreditbureau.com and LCB will remove all relevant data, so long as that removal is technically feasible, does not impact the accounting or business practices of our customers, and does not violate other regulatory or legal standards with which LCB is subject to.

Security

LCB uses a number of security technologies and procedures to ensure your personal information is protected from unauthorized access, use, or disclosure. However, we cannot guarantee that third parties will not overcome these measures and gain access to your information. To the fullest extent permitted by law, LCB disclaims any warranty or guarantee that your information will be protected from misuse, appropriation, alteration, or loss.

Links to External Websites

This website contains links to websites that are not controlled by LCB. Please be aware that we are not responsible for the content, security, and privacy practices of external sites. We encourage you to familiarize yourself with the privacy policy of all websites where you submit personal information.

Cookies We Use

We and our authorized partners may use cookies and other information gathering technologies for a variety of purposes. These technologies may provide us with personal information, information about devices and networks you utilize to access our Websites, and other information regarding your interactions with our Websites.

Changes to Privacy Policy

To ensure this policy stays up-to-date, we may update it from time to time. Any changes will be published on our website and it is your obligation to review each time you visit the site. If you object to any changes we make, you should stop accessing our services, otherwise you consent to these changes by continuing to use the services.

For California Residents

California “Do Not Track” Notice. LCB does not currently recognize and process “do not track” signals from different web browsers. For more information on “do not track” please visit http://www.allaboutdnt.org.

California Privacy Rights. Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to request from a business, with whom the California resident has an established business relationship, certain information with respect to the types of personal information the business shares with third parties for direct marketing purposes by such a third party and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year. If you are a California resident and want a copy of this notice, please submit an email request to legal@landlordcreditbureau.com. In your request, please specify that you want a “Your LCB California Privacy Rights Notice.” Please allow 30 days for a response.

California Consumer Privacy Act Rights. Under the California Consumer Privacy Act (“CCPA”) California residents have certain rights regarding their personally identifiable information. If you would like to exercise these rights on or after January 1, 2020, please contact us using the linked forms, toll free phone number, or physical mailing address listed within the “Contact Information” section below. As provided by CCPA, we may require you to provide information to allow us to verify your identity before providing the requested information. It may take us some time to respond to your request, but we will do so within the requirements of the CCPA.

This Policy provides you disclosure regarding the personal information we collect from you and the purposes for doing so. Please see “How We Use Your Personal Information” for information regarding how collected information will be used. Please see “Information We Collect” for the categories of data we have collected over the last 12 months. Should you wish to opt out of the sale of your information, please email legal@landlordcreditbureau.com.

Right to request disclosure as to personal information LCB has collected about you:

  • Upon a verifiable request, made to support@landlordcreditbureau.com, we will disclose to you the items listed below, one or more of which may be provided by reference to this Policy:
  • The categories of personal information collected about you
  • The categories of sources from which the personal information was collected
  • The business purpose behind collecting the personal information
  • The categories of third parties with whom LCB has shared the information
  • The specific pieces of personal information LCB has collected about you

Right to request deletion: upon a verifiable request, made to support@landlordcreditbureau.com, we will delete personal information we have regarding you and direct our service providers to delete your personal information from their records, to the extent provided by the CCPA.

Right to be free from discrimination: LCB will not discriminate against you for exercising any of your rights under the CCPA. Please keep in mind that under certain circumstances, we may charge you a different price or rate, or provide a different level or quality of goods or services, if that difference is reasonably related to the value provided to you by your personal information.>

Agreement

By accessing or using this website and/or the service, you agree to be bound by this privacy policy and the applicable Terms of Use or Terms of Service agreement you entered in to with Equifax. If you do not agree to these terms and conditions, in whole or in part, please do not access this website or use the service.

You consent to the collection of your personal information by LCB for the purpose of creating, maintaining, and updating a rent credit report and for such information to be disclosed to and used by landlords, property managers and others for assessing suitability for tenancy, collecting debts, credit grantors assessing suitability for credit, and other credit reporting agencies including by not limited to Equifax to use in the creation of other credit reports.


Contact Information

LCB welcomes your comments or questions. Please contact us by using the following:

legal@landlordcreditbureau.com

Attn Legal
Landlord Credit Bureau
199 Bay Street, Suite 4000
Toronto, Ontario, Canada, M5L 1A9