Privacy Policy

Overview
Talk-i-Talk is committed to protect the privacy of our customer information. We fully support Canada's privacy legislation - The Personal Information Protection and Electronic Documents Act (PIPEDA). This document will provide information about Talk-i-Talk's policy relating to the collection, use and disclosure of personal information and of our customer's right to limit such collection, use or disclosure. Personal information is any information that is identifiable about you, that may include information such as, but not limited to, your name, mailing or e-mail addresses, phone numbers, identification numbers, credit card numbers, and banking information. All personal information relating to our customers is maintained in strict confidence by Talk-i-Talk and is not sold to third parties.

For further information about Talk-i-Talk or the protection of personal information, please contact us at :
Our privacy policies and procedures are subject to change. For the most recent version of this Privacy Policy, please check our website: www.Talk-i-Talk.com

Accountability
Talk-i-Talk has appointed its Privacy Officer as the person who will be primarily responsible for Talk-i-Talk's policies and procedures governing the protection of personal information. Our Privacy Officer may be reached at:

Identifying Purposes
Talk-i-Talk collects personal information for a variety of purposes including processing your request for services from Talk-i-Talk. Personal information is used to verify, process and administer your product and service requests, assess credit-worthiness, maintain our commercial relationship with you, and analyze, understand and respond to your service needs. Talk-i-Talk also analyses and uses customer information to better improve the products that we offer to our customers. We analyze personal information relating to you in order to identify the products and services offered by our affiliates or ourselves or by companies that we believe may be of interest to you and to offer you those products and services. Where a third party or an affiliate of Talk-i-Talk has a product or service that may be of interest to you, we will forward information relating to any such product or service to you, unless you inform us otherwise, i.e. when you withdraw your consent to receive such information.

Personal information is also used in order to communicate with you, for billing and provisioning purposes, and to enable Talk-i-Talk to accurately report back to the credit bureaus. Generally, these purposes will be disclosed to you before your personal information is collected. Talk-i-Talk does not sell, rent or lease personal information to third parties.

From time to time, Talk-i-Talk is also required to report to regulatory bodies or to present a summary of all our customer information, including your personal information, in statistical or analytical form to governmental authorities and industry organizations. When information is provided in statistical or analytical form, this means that information that might specifically identify you will not be disclosed. Instead, your information will be compiled into aggregate (i.e. group) form such that the user cannot identify or extract out your personal information.

As you know, Talk-i-Talk offers its products and services through a network of Independent Associates to whom you may have already given personal information. Talk-i-Talk Independent Associates are bound to observe the confidentiality of your personal information and have agreed to comply with ACN's privacy policy. Our Independent Associates are also provided with information relating to your use of Talk-i-Talk products and services in connection with the commissions they receive on customer usage of Talk-i-Talk products and services.

Consent
The knowledge and consent of a customer is required for the collection, use or disclosure of personal information, except where inappropriate. Examples of when this may occur, include but are not limited to, emergency situations, to prevent an illegal act, complying with a subpoena or warrant, or as required by law.

Consent is obtained either orally or in writing prior to collection, using or disclosing your personal information. Talk-i-Talk will determine the appropriate form of consent having regard to the nature and sensitivity of the information to be collected, used or disclosed. For example, Talk-i-Talk will seek explicit consent for more sensitive information, such as your bank account information, but may use implicit consent by asking you to tell us if you do not wish to receive information about our new products. Customers may withdraw consent to the collection, use and disclosure of information at any time by contacting our Privacy Officer. However, the withdrawal of consent to the collection, use and disclosure of information may affect Talk-i-Talk's ability to offer or provide, or to continue to offer or provide products or services to you.

Limiting Use, Disclosure and Retention
Talk-i-Talk's use of personal information will be only for the purposes listed above and, in particular, in order to facilitate the provision of services to you, for identifying, credit decision reporting and if required, the collection of any outstanding amounts for services rendered. Information provided by Talk-i-Talk to affiliates, vendors or suppliers is provided under a contractual agreement that the information will be held in confidence, protected, and properly safeguarded according to the standards of Talk-i-Talk's privacy policy.

Personal information relating to customers may be shared with, and used or analyzed by, between or among Talk-i-Talk's parent, affiliates and authorized agents and Independent Associates with whom Talk-i-Talk has entered into a commercial agreement in order to develop our business, better serve our customers and with third parties for certain account processing matters. Information may also be disclosed in connection with Talk-i-Talk's corporate transactions or business. In each case, however, Talk-i-Talk will take steps to ensure the organization receiving the personal information will use and disclose the personal information for purposes to which you have consented and in a manner consistent with this policy.

Talk-i-Talk provides commissions to Independent Associates in accordance with Talk-i-Talk's marketing plan. Personal information relating to customers may be provided in connection with Talk-i-Talk's commissioning process.

Retention
Your personal information will be retained either in a file titled with your name at UBIX Talk-i-Talk, UBIX Talk-i-Talk, 515 Consumers Rd, Suite 405. UBIX Talk-i-Talk retains personal information for only as long as necessary in order to meet the purposes for which the information was collected or for legal purposes. When personal information is no longer required, that information will be destroyed, erased, or made anonymous.

Accuracy
Talk-i-Talk continually strives to maintain as high a level of accuracy as is reasonably achievable. You have the right to request a change to your personal information records where you can establish that the record is inaccurate. Personal information is typically only updated in cases where we receive updated personal information from a customer or where required for business, financial reporting, credit reporting or other related purposes. In each case, Talk-i-Talk will update the information in our system upon receipt and verification, if necessary.

Safeguards
We have implemented physical, organizational, contractual and technological security measures to protect your personal information from loss or theft, unauthorized access disclosure, copying, use, or modification. Access to personal information within our computer system is available to all of our employees for the specific purpose of enabling us to properly service our customers and in connection with the purposes set out above. All employees (current and new) are required to sign a confidentiality of information agreement and are regularly reminded that personal information may not be disclosed except in accordance with this policy.

Personal information in hard copy (paper) form is held securely within Talk-i-Talk. Access to Talk-i-Talk's file storage room is granted to only a limited number of individuals who are also required to maintain the security of Talk-i-Talk's files.

Individual Access
Requests for access to personal information should be forwarded, in writing, to the attention of the Talk-i-Talk Privacy Officer. As Talk-i-Talk carefully protects all personal customer information, requests for access must be accompanied by proof of identify. In the event the information provided is not sufficient to verify the identity of the person who has requested the information, our staff may require additional information to verify that access to personal information is only given to persons who are entitled to receive it. Talk-i-Talk may, for example, require information such as examples of telephone numbers the customer would have recently called, recent payments made to Talk-i-Talk and other relevant information as may be necessary.