Navigator Financial

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Navigator Financial abides by Ten Privacy Principles. These principles are based on the federal government's privacy legislation, the Personal Information Protection and Electronic Documents Act. 1. Accountability: We are responsible for personal information under our control. We have a designated individual who is responsible for monitoring our ongoing compliance with the Privacy Principles. 2. Identifying purposes: The purposes for which personal information is collected, will be identified by John Kok or representatives of Navigator Financial. 3. Consent: Your consent is required for the collection, use and disclosure of personal information, subject to certain exceptions. Such exceptions are set out in the law and include where legal, medical or security reasons make it impossible or impractical to seek consent. Your consent may be expressed in writing. It may also be given verbally, electronically, or in certain circumstances, it may also be implied. 4. Limiting collection: The collection of your personal information must be by far and lawful means, and be limited to that which is necessary for the purposes identified. 5. Limiting use, disclosure and retention: Your personal information may only be used or disclosed for the purposes for which it was collected, other purposes you consent to, or as required or permitted by law. It may only be kept for as long as is necessary to satisfy the purposes for which it was collected, or a required or permitted by law. 6. Accuracy: Any personal information that is collected, used or disclosed should be as accurate, complete and as up-to-date as is necessary for the purpose for which it is to be used. 7. Safeguards: Personal information shall be protected by security safeguards that are appropriate to the sensitivity of the information, in order to protect your personal information from unwarranted intrusion, release or misuse. 8. Openness: Information about our privacy policies and practices for managing your personal information shall be made available to you upon request. 9. Individual access: Upon written request, you will be informed of the existence, use and disclosure of your personal information, and you will be given access to it, subject to certain exceptions, as permitted by the law. You may also verify the accuracy and completeness of your information, and request that it be amended, if appropriate. 10. Inquiries and concerns: You may contact Val Kok if you have inquiries or concerns about our privacy policies and practices. The information we collect"¦ Personal information is information that refers to you, specifically. For any Navigator Financial service/product you obtain, we will tell you the purposes for which we need the personal information we collect. We will use fair and lawful means to collect your personal information. We will only collect information that is pertinent and consistent with the purposes of the collection. Whenever practical, we will collect the required information directly from you in completed applications and forms, through other means of correspondence, such as telephone, mail or the Internet, and through your business dealings with us.

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