Introduction
Privacy Principles
3. We are always willing to explain to you the purposes for which information is being collected.
4. We will seek your consent to the use of your Personal Information either expressly or impliedly, depending on the circumstances and the type of information collected. For example, we will rely on your implied consent when you give us your name, address, telephone number, and other details necessary for us to verify your identity in accordance with the provisions of the Client Agreement.
5. Your consent may also be given by an authorized representative or a person having Power of Attorney.
6. You may withdraw your consent at any time, subject to any legal restrictions and subject to any contractual restrictions you have already entered into with us, provided that you give us reasonable notice in writing. We will explain to you the implications of such withdrawal.
7. We may from time to time send you information that is relevant to the provision of our services. If at any time, you do not wish to receive that information, you may by sending us an email opt-out and request that you are not included in any future mail-outs.
8. There may be circumstances in which we are obliged to collect, use, or disclose certain Personal Information without your consent. Such circumstances could include the following:
(i) a serious and imminent threat to someone’s life, health, or safety;
(ii) a serious threat to public health or public safety;
(iii) unlawful activity has been, is being, or may be engaged in;
(iv) disclosure is required or authorized by law;
(v) the use or disclosure is necessary for the prevention, detection, investigation, prosecution, or punishment of criminal offenses, breaches of a law imposing a penalty or sanction, or breaches of a prescribed law including the enforcement of laws relating to the confiscation of the proceeds of crime; or
(vi) the use or disclosure is necessary for the protection of the public revenue, the prevention, detection, investigation, or remedying of seriously improper conduct or prescribed conduct, or the preparation for, or conduct of, proceedings before any court or tribunal, or implementation of the orders of a court or tribunal.
(ii) To allow you to change web pages during your visit without having to re-enter your password.
(iii) To store your preferences and other information and to track activity on our website.
(iv) To better understand the effectiveness of our promotional campaigns.
(v) To determine whether you came to our site from a banner ad or an affiliate website.
(vi) To deliver Information specific to your interests on additional web sites.
(vii) To determine whether you’ve acted on our promotional messages
(ii) if FBS Money’s, or substantially all of its assets, are acquired by a third party, in which case Personal Information held by us about our customers will be one of the transferred assets; and (iii) in accordance with obligations imposed on us by our third-party service providers so that they may process your transactions.
23. The methods of protection we employ may depend on the sensitivity of the information and the format in which it is contained. Security measures include technological measures including SSL 128-bit encryption for all data transfers over the Internet, physical measures such as locked filing cabinets and restricted access to offices, and strategic measures such as security clearances and limiting access to a “need-to-know” basis.
24. We make every effort to ensure that our staff is aware of the importance of maintaining the confidentiality of personal information, however, you acknowledge that authorized employees, agents, representatives, and third parties may require access to your Personal Information in order to enable us to provide our service and we cannot accept responsibility for any unauthorized activities on their part.
25. You acknowledge that no data transmission over the internet or the telephone can be guaranteed to be perfectly secure. Any Personal Information you submit to us or access electronically or over the telephone is done at your own risk. We do not guarantee or warrant the security of information transmitted in these ways. You acknowledge that third parties could unlawfully intercept your transmissions or may wrongly instruct you to disclose Personal Information while posing as FBS Money representatives.
27. If you point out to us that any information held by us is inaccurate or incomplete, we will take appropriate action to amend the information as required and, if necessary, notify any third party of the correction.
28. You acknowledge that there may be circumstances in which we may refuse access to some or all of your Personal Information, including where the provision of access would be too costly, the information may contain references to other individuals or for legal, investigative, security or commercial proprietary reasons.
30. We take all complaints seriously and will investigate all complaints.
