Credit Medical Corporation and its subsidiaries and affiliates ("CMC") is committed to protecting the personal information (“Personal Information”) you provide on this website (the “Site”) or in our corporate offices, how we use it, and when we share it with third parties.

Our Privacy Policy explains how we handle your Personal Information. By using this Site or by contacting our corporate office, you agree to this Privacy Policy and to the Terms and Conditions governing its use. If you have questions, comments or concerns about our Privacy Policy, please contact us at privacy@creditmedical.com.

1.What Is Personal Information?

Personal Information includes your name, address, telephone number, e-mail address, credit card information, postal/zip code, town or city, gender and purchase history, click through activity, product or service preferences or instructions and any and all other information you may provide in our website, by telephone, mail or e-mail through the “Apply online” feature of our website.

2.Why We Collect Personal Information

We collect Personal Information in order to facilitate the services that are offered through the Site and by CMC generally, including the nature of the surgical procedures that we finance, the methods of financing those procedures, and the individuals to whom we provide financing. We may also put Personal Information to other uses, which may include communicating information and offers to customers; to better understand, analyze, and respond to our customers’ needs and preferences, and to subsequently develop, enhance, and/or provide products and services to meet those needs.

We also keep track of your product preferences and instructions and analyze that information. We may use Personal Information to contact you in order to conduct research about your opinion of current services or of potential new services that may be offered by CMC, or to respond by e-mail to an inquiry that you posted on-line. Your Personal Information may also be used by us to contact you regarding other products or services which may be of interest to you.  Your Personal Information may be combined with other Personal Information collected by us to provide aggregate statistical information about customers’ service usage preferences. We reserve the right to access and/or disclose Personal Information where required to comply with applicable laws or lawful government requests or, in our reasonable opinion.

Your Personal Information may be passed on to a third party in the event of a transfer of ownership or assets, or a bankruptcy, of CMC or any of its affiliates or distributors. CMC may also disclose your Personal Information to one or more of their respective subsidiary and parent companies and businesses, and other affiliated legal entities and businesses who are under common corporate control. However, all of the parent, subsidiary and affiliated legal entities and businesses of CMC that receive your Personal Information will comply with the terms of this privacy policy with respect to their use and disclosure of such Personal Information. CMC itself assumes no responsibility or liability for the privacy practices of any medical practitioner or other service provider for whom or in connection with the CMC financing is provided in their handling of your Personal Information they collect from you.

3.Consent

We try to ensure that you understand how we use your Personal Information. One of the ways this is done is by obtaining your consent. Consent may be either express or implied. Express consent is given when we specifically ask you if it acceptable to you that we gather certain information and you explicitly agree that it is. Implied consent occurs when you provide information that may be Personal Information without objection. As we obtain only the information necessary to assist you with the transaction you require, we operate under the understanding that you have agreed to provide us with this Personal Information voluntarily and with knowledge of this Policy whenever you do so.

4.Cookies

Like most websites, this Site uses cookies to keep track of your activity on the website and enhance your experience on the website. We also use cookies to deliver content specific to your interests, and if you choose, to save other Personal Information so you do not have to re-enter it each time you visit the Site. If you wish to disable these cookies, the “help” portion of the toolbar on most browsers will tell you how. However, if you set your browser to disable cookies, you may not be able to access certain areas on the website.

5.Storage of Personal Information

We store the Personal Information you provide to us in our computer databases. We own, maintain and operate our computer servers containing our databases. We use firewalls and other security measures to protect our servers.

6.No Sharing, Selling, or Bartering of Your Personal Information

We will not give, sell, rent, or loan any of your Personal Information to any third party (with the exception of third parties performing functions on our behalf who have an obligation to keep your information completely confidential or a third party who buys our business) unless you have authorized us to do so.

7.Site Usage Information

Like most web sites, this Site gathers traffic patterns, site usage information and other aggregated data in order to evaluate our visitors’ preferences and the effectiveness of our Site. This aggregate usage data does not identify you individually. We may share anonymous, aggregated statistics about visitors to our Site with others outside our company, or we may allow third-parties to collect aggregate data through our Site.

8.Access

We will advise you on request about what Personal Information about you that we have collected, as well as how it has or will be used. If you provide a written request for this information, we will provide it to you within a reasonable time following confirmation of your identity and may charge a reasonable cost (e.g. photocopying, mail charges) to the individual making the request. We will inform you whether or not we hold Personal Information about you and, when possible, the source of the Information, its use, and any parties to whom it may have been disclosed. You may be required to provide sufficient proof of your identity at this time to ensure the safety and security of the Personal Information we hold and that it is provided to individuals in accordance with this Policy. We reserve the right to decline to provide access to Personal Information where the information requested would disclose: Personal Information of another individual or of a deceased individual; is not readily retrievable and the burden or cost of providing would be disproportionate to the nature or value of the information;  does not exist, is not held, or cannot be found by us; could reasonably result in serious emotional harm to the individual or another individual, or serious bodily harm to another individual; or may harm or interfere with law enforcement activities and other investigative or regulatory functions of a body authorized by statute to perform such functions. We will not respond to repetitious or vexatious requests for access.

9.Security of Your Personal Information

We operate secure data networks protected by industry standard firewall and password protected systems, and maintain physical, electronic and procedural safeguards to guard the integrity and privacy of these servers and of your Personal Information. Although we can’t guarantee that there will never be a security problem, we and our agents that have access to your information carefully guard against the loss, misuse or alteration of the information we collect on our Site.

10.Changes in Our Privacy Policy

We reserve the right to change our Privacy Policy from time to time — for example, by altering our policy on sharing Personal Information. Be sure to check this page periodically for updates.

11.Governing Law

CMC controls and operates this Site in Canada. Our online privacy practices are governed by the laws of Canada and Ontario, which may differ from privacy laws in your province, state or home country. By submitting your Personal Information to this Site or to CMC by any other means, you consent to the transfer of your Personal Information to any country and its use and disclosure in accordance with Canadian federal and Ontario provincial law and with this Privacy Policy.

12.For More Information

If you have any questions regarding this Privacy Policy or the privacy practices of CMC or its affiliates, please contact us by sending an email to privacy@creditmedical.com or writing to us at Credit Medical Corporation, 64 Prince Arthur Avenue, Toronto, ON, M5R 1B4, Attention: Chief Privacy Officer.

As a financial intermediary between doctors and patients, Credit Medical Corporation: Works with patients to arrange loans, Enables doctors to offer patients financial alternatives, and links doctors and patients through our directory.