Your privacy is important to NLI International. This Privacy Policy explains how NLI International collects, uses, discloses and retains personal information, including personal information collected by NLI International through its website, mobile app and telephone calls and when providing products or services.
By providing NLI International with your personal information, you consent to the collection, use, disclosure and retention of that information by NLI International in accordance with this Privacy Policy and as otherwise permitted by applicable law. You may withdraw your consent at any time, subject to legal or contractual restrictions and on reasonable notice to NLI International, but then you might not be able to proceed with your intended interactionsor transactions with NLI International or otherwise receive the full benefit of NLI International’s products and services.
In this Privacy Policy, “personal information” means information about an identifiable individual (e.g. an individual’s name, postal address, telephone number and email address) but does not include (to the extent permitted by law) information that is publicly available in a telephone directory or that is business contact information that enables an individual to be contacted at a place of business.
Information You Provide
You may be asked to voluntarily give your personal information to NLI International when you interact with NLI International, including when you apply for an account, subscribe to a newsletter, request information or use a product or service (including the mobile app) provided by NLI International. In those circumstances, you can choose not to provide certain requested personal information, but then you might not be able to proceed with your intended interaction or transaction with NLI International or otherwise receive the full benefit of the desired product or service.
If you give NLI International the personal information of another individual in connection with your use of NLI International’s products or services, then you are solely responsible for complying with all applicable laws, including obtaining the individual’s valid consent, regarding your collection and disclosure of the personal information to NLI International and to NLI International’s use, disclosure and retention of the personal information.
Automated Collection
NLI International may automatically collect certain information regarding your use of NLI International’s website or mobile app, such as the dates and times that you use the website or mobile app, the browsers, operating systems, software and devices that you use to use the website or mobile app and details of your use of the website or mobile app.
If you install NLI International’s mobile app on your mobile device, then the settings of the device may permit the automatic transmission to NLI International of diagnostic information and other information (including location data, discussed in section 3.(c)) regarding your mobile device and your use of the mobile app.
NLI International’s websites, mobile app, email messages and advertisements may use technologies(e.g. cookies, web beacons, tokens, pixels or tags) to collect information that assists NLI International to improve NLI International’s products, services, customer communications and advertising and to prevent fraud. NLI International may use information collected through technological means to recognize you as a user of NLI International’s mobile app, to facilitate and improve your use of NLI International’s mobile app, to confirm that messages have been delivered to and opened by you and to provide you with targeted advertisements.
You may choose to decline or disable cookies if your web browser or device permits, but doing so may affect your ability to access or use certain features of the website or mobile app.
Some of the information automatically collected by technological means is non-personal information (because the information does not identify you), and NLI International will deal with that non-personal information as explained below in this Privacy Policy unless applicable law requires otherwise.
Location Data
NLI International’s mobile app installed on a mobile device may be configured to automatically collect precise location data, including the real-time geographic location of the mobile device, using various available technologies (including GPS, Bluetooth, Wi-Fi access points and cell tower locations), and transmit that data (either in real time or later when the device has required connectivity) to NLI International for use and disclosure as set out in this Privacy Policy.
If you do not want a NLI International mobile app to access your device’s location data, then you might be able to use your devices settings to disable the transmission of location data but doing so might be a breach of the applicable terms of service or other agreements with NLI International and you might not be able to proceed with your intended interactions with NLI International or otherwise receive the full benefit of NLI International’s products and services.
If the location data includes personal information, then NLI International will treat the location data as personal information in accordance with this Privacy Policy. If the location data does not include personal information or is depersonalized by NLI International, then NLI International will treat the location data as non-personal information in accordance with this Privacy Policy.
Information Regarding Referred Transactions
If NLI International refers you to an independent business (e.g. a tax advisor or insurance provider) for a proposed product or service (e.g. tax advisory services or insurance), then NLI International may collect information from that independent business regarding the transaction.
General
NLI International uses your personal information collected by NLI International for purposes relating to or arising from your relationship and transactions with NLI International and as otherwise set out in this Privacy Policy or permitted by applicable law, including
NLI International may combine your personal information collected by NLI International through various sources (including information collected through its mobile app).
NLI International
NLI International may develop, maintain and share a confidential profile for you for to provide information, products and services to you, to facilitate your dealings with NLI International and as otherwise set out in this Privacy Policy.Information Regarding Referred Transactions
If NLI International refers you to an independent business (e.g. a tax advisor or insurance provider) for a proposed product or service (e.g. tax advisory services or insurance), then NLI International may collect information from that independent business regarding the transaction to administer your relationship with NLI International, including to create and manage a confidential profile about you, and to provide products and services to you, as set out in this Privacy Policy.
General
NLI International discloses your personal information for purposes relating to or arising from your relationship and transactions with NLI International and as otherwise set out in this Privacy Policy or permitted by applicable law.
Specific Consents
NLI International may disclose your personal information in accordance with express or implied consents that you give during your interactions and transactions with NLI International.
Referred Transactions
If NLI International refers you to an independent business (e.g. a tax advisor or insurance provider) for a proposed product or service (e.g. tax advisory services or insurance), then NLI International may disclosure your personal information to the independent business to facilitate the proposed transaction, and in those circumstances NLI International has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the independent business, and the use, disclosure and retention of the disclosed information by the independent business is not subject to this Privacy Policy.
Suppliers and Service Providers
NLI International may disclose your personal information to NLI International’s suppliers and service providers (including mobile app developers) to assist NLI International in the provision of information, products and services to you, to provide services to NLI International, to assist NLI International to use your personal information as set out in this Privacy Policy and as otherwise permitted by applicable law.
Law Enforcement/Legal Disclosures
NLI International may disclose your personal information as required or authorized by applicable law, including to comply with a subpoena, warrant or court or arbitral order or litigation disclosure obligation. NLI International may disclose your personal information to law enforcement agencies or other independent organizations if NLI International reasonably believes the disclosure is necessary or appropriate in connection with national security, law enforcement or other issues of public importance, or if NLI International reasonably believes the disclosure is necessary or appropriate to protect and enforce the NLI International’s legal rights, interests and remedies or to protect the rights, interests,business, operationsor customers of NLI International or other persons (including to detect and prevent fraud and other illegal activities, enforce any of the terms of use, terms of service or other agreements that govern access to or use of any of the NLI International’s products or services). NLI International has no control over, or responsibility or liability for, the use, disclosure or retention of your personal information by the agencies, independent organizations or other persons to whom NLI International discloses the information in the foregoing circumstances, and the use, disclosure and retention of the disclosed information by those agencies, independent organizations or other persons is not subject to this Privacy Policy.
Business Transactions
NLI International may disclose your personal information in connection with a proposed or actual business transaction in which NLI International is involved (e.g.a corporate amalgamation, reorganization, merger or acquisition, or the sale or transfer of some or all of NLI International’s business or assets), but NLI International will require the information recipient to agree to protect the privacy of your personal information in a manner that is consistent with this Privacy Policy and applicable law.
NLI International and its service providers may process, store and use your personal information at facilities in various countries, including Canada, the United States of America and one or more countries in Europe or Asia. The personal information protection laws of those other countries might be different from the laws of the jurisdiction in which you reside, and might permit courts, government, law enforcement agencies, regulatory agencies and security authorities to access your personal information without notice. By providing your personal information to NLI International, you consent to the transfer of the personal information to facilities located in other countries and the processing and storage of the personal information at those facilities.
NLI International retains your personal information for the period reasonably necessary for the purposes set out or referenced in this Privacy Policy and to comply with NLI International’s legal obligations or enforce or protect NLI International’s legal rights, or a longer period required or permitted by applicable law. NLI International will delete or dispose of your personal information, or depersonalize the information, when NLI International is no longer reasonably required to retain the personal information for the purposes set out or referenced in this Privacy Policy.
NLI International uses reasonable safeguards – including administrative, physical and technical security and safeguarding measures– appropriate to the sensitivity of the personal information in NLI International’s possession or under NLI International’s control to help protect the information from unauthorized access, collection, use, disclosure, deletion or similar risks. Nevertheless, security risks cannot be eliminated and NLI International cannot guarantee that your personal information will not be accessed, used, disclosed or deleted in ways not otherwise described in this Privacy Policy.
NLI International will rely on you to ensure that the personal information that you provide to NLI International is as accurate, complete and up to date as necessary for the purposes for which NLI International uses the personal information. You will promptly notify NLI International of any changes to the personal information that you provide to NLI International using the procedures made available for that purpose by NLI International or by contacting NLI International’s Privacy Officer by email to customersupport@nliinternational.com, by phone at 1 (855) 813-6055 or by mail to Privacy Officer, NLI International, 1515 Drew Road, Mississauga, ON, L5S 1Y8.
You may reasonably request access to your personal information collected by NLI International and information about NLI International’s use, disclosure and retention of that personal information by submitting a written request to NLI International’s Privacy Officer using the contact information noted above and at the end of this Privacy Policy. Subject to applicable exceptions and limitations prescribed by applicable law, you will be given reasonable access to your personal information and you will be entitled to verify the accuracy and completeness of your personal information and to have the information revised as appropriate. You may be required to pay a reasonable fee for access to your personal information. NLI International may decline to process a request that is unreasonably repetitive, frivolous, vexatious or impracticable, that infringes or jeopardizes the privacy of other persons, or for other reasons permitted by applicable law.
NLI International creates and collects non-personal information (information that is not about an identifiable individual), including personal information that has been aggregated or otherwise depersonalized so that the information no longer relates to an identifiable individual. NLI International may use, disclose, transfer and retain non-personal information for any purpose and in any manner whatsoever.If non-personal information is combined with personal information, then NLI International will treat the combined non-personal information as personal information for the purposes of this Privacy Policy for as long as the non-personal information is combined with personal information.
NLI International’s website and correspondence (including emails, messages and social media posts) may include advertisements for products and services offered by independent businesses or links to websites operated by independent businesses. NLI International has no responsibility or liability for, or control over, those other websites, online services or businesses, their products or services, or their collection, use, disclosure or retention of your personal information. This Privacy Policy does not apply to the collection, use, disclosure and retention of your personal information by those websites, online services and independent businesses. If you have questions about how those websites, online services or independent businesses collect, use, disclose or retain personal information, please contact the owner or operator of the website, service or business.
App Store Operators:
If you wish to obtain a copy of NLI International’s mobile app from an online app store operated by an unaffiliated third party (such as Apple and Google), then you will be required to disclose your personal information to the app store operator in order to download a copy of the mobile app. NLI International has no control over, or responsibility or liability for, the collection, use, disclosure,retention and deletion of your personal information by any app store operator. Each app store operator’s use, disclosure, retention and deletion of your personal information are governed by the app store operator’s own privacy policy (not this Privacy Policy).
Disclaimers, Liability Exclusions/Limitations and Disputes:
The agreements (including any application formor terms of service or use) that you accept when you apply, register for, order or use NLI International’s products or services contain important provisions, including provisions disclaiming, limiting or excluding the liability of NLI International and other persons (including service providers) and provisions determining the applicable law and jurisdiction for the resolution of disputes. To the extent permitted by applicable law, each of those provisions applies to any dispute that may arise in relation to this Privacy Policy or NLI International’s collection, use, disclosure and retention of your personal information, and are of the same force and effect as if they were reproduced directly in this Privacy Policy. Nothing in this Privacy Policy amends any of those other agreements.
Changes to this Policy:
NLI International may change this Privacy Policy as it applies to NLI International from time to time by posting a new version of this Privacy Policy on NLI International’s website. NLI International’s collection, use, disclosure and retention of your personal information will be governed by the version of this Privacy Policy in effect at that time. Your continued dealings with NLI International after any change to this Privacy Policy will signify your consent to the collection, use, disclosure and retention of your personal information as set out in the changed Privacy Policy. Accordingly, you should check the “Last Updated” date of this Privacy Policy (at the top of this Privacy Policy) and review any changes since the last version.
English Language:
You and NLI International have each expressly requested and required that this Privacy Policy and all other related documents be drawn up in the English language. Les parties conviennent etexigent expressement quecette Politiquede Confidentialité ettousles documents quis’y rapportent soient rédigés en anglais.
Contacting NLI International’s Chief Privacy Officer:
If you have any comments or questions about this Privacy Policy or how NLI International deals with your personal information, please contact NLI International’s Privacy Officer by email to customersupport@nliinternational.com, by phone at 1 (855) 813-6055 or by mail to Privacy Officer, NLI International, 1515 Drew Road, Mississauga, ON, L5S 1Y8.
Contact:
Address:
1515 Drew Road,
Mississauga,
ON, L5S 1Y8
Phone:
1 (855) 813-6055
Customer Support:
customersupport@nliinternational.com
Sales:
sales@nliinternational.com
