KNISPO Solutions Inc. ("KNISPO") considers issues relating to your privacy to be a serious matter. At the same time, KNISPO needs to collect, store, use and disclose personal information to enable it to operate its business in support of its product and service offerings.
Generally, when we collect, use or disclose your personal information we will obtain your consent. Most of the time, we will obtain your consent before or at the same time we collect your personal information. In some instances, however, we may seek your consent after we have collected your personal information if we wish to make an additional use or disclosure of your personal information where we do not have your consent for the particular use or disclosure.
Depending on the circumstances, your consent may be express or implied. Express consent would arise if you specifically consented to a particular dealing in your personal information. Express consent can be given orally, electronically or in writing. Implied consent can be inferred from the circumstances. For example, we will assume that we can deliver products to the address you provide unless you inform us otherwise. In this example, your address may be personal information.
Once you have registered to receive our automated material, you may opt-out at any time by following the opt-out information contained within the email message you are receiving from us.
KNISPO may, from time to time, provide you with an opportunity to opt-out of certain uses and disclosures of your personal information. At the same time, an implied consent to use or disclose your personal information would arise if you fail to indicate that you wish to opt-out of the particular use or disclosure when you are given an opportunity to do so.
You may change or withdraw your consent at any time on reasonable notice, subject to pre-existing legal and contractual obligations. However, if you withdraw certain consents, it may limit the services we are able to provide to you. For more information, please contact us using the contact information set out below.
Collection of Information
In some instances, we may collect your personal information directly from a third party. In that case, we will either obtain your consent to do so or we will require that the third party confirm to us that they are entitled to disclose your personal information to us, through your consent or otherwise.
When we collect personal information, we will collect the least amount of information in order to get the product, you have asked for, to you. This is typically a first name, an email address, an IP address and a phone number when you request coaching.
We obtain your information when you request our products, sent us an email message, sign up for our weekly stock trading course or sign up an ebook.
Use of Information
(a) using identification information and contact information, such as your name, address, telephone number and email address so that we can identify you and deliver the products and services that you request and to communicate with you regarding those products and services;
(b) using payment method preferences and related financial information that you provide to us so that we can obtain payment for the products and services that you request. However, we will obtain your prior explicit consent to the collection and use of credit or other financial information in order to assess your credit risk or to obtain your credit rating;
(c) using information relating to your preferences so that we are able to deliver our products and services to you in accordance with those preferences;
(d) using customer relationship information such as your service requests, comments and feed back to assist us in delivering products and services in accordance with your wishes;
(e) using personal information for the purpose for which it was provided and certain other activities that are reasonably ancillary to that purpose. For example, if you send us an email with a question or comment, KNISPO will use your email address to respond to you. Further, KNISPO may store your email and email address and a copy of our response for future reference;
(f) using your postal and/or email address to provide to you information about KNISPO’s products and services and other items (including the products and services of third parties) that KNISPO believes that you may be interested in notwithstanding that your address may have been provided for a different purpose; and
Disclosure of Information
In order to use some of the features of KNISPO’s website, KNISPO may require that you provide some personal information. KNISPO may issue to you a unique "user id" which you will be required to provide each time you use certain features and services.
If you have a user id, then KNISPO may collect information about your use of the features and services (whether or not you provide your user id each time) and KNISPO may associate information with your other personal information. If a visitor to our website does not have a user id but does permit "cookies", then KNISPO only has the means to track use of its website by that visitor but KNISPO has no means to determine who that visitor is unless the visitor provides their identity. (See the documentation provided with your Internet browser for more information on cookies and web beacons and how to disable them.)
KNISPO may place cookies or web beacons on your computer. As well, certain third parties may place cookies or web beacons on your computer, such as those that place advertising on our website or link providers. KNISPO only has control over the cookies it places on your computer.
KNISPO has security measures in place to protect against the loss, misuse or alteration of the personal information under KNISPO’s control. However, KNISPO cannot guarantee that these security measures will not be breached.
Other Collection, Use and Disclosure
As well, we may collect, use and disclose your personal information without your knowledge or consent when that personal information is relevant to an actual or potential legal proceeding or when we are required or permitted to do so by court order, applicable law or regulatory requirements.
As well, privacy legislation may permit or require the collection, use and disclose your personal information without your knowledge or consent in some specific and limited circumstances. We reserve the right to collect, use and disclose your personal information in these limited circumstances.
From time to time you may participate in a survey sent to you as part of one of our programs. The results of this survey, which will not include any of your personal information, may be published in some type of media format, which may include a book, ebook, DVD, audio program or any other means of communication.
You may send us a testimonial for one of our products. When we decide to use this testimonial on our website we will get your consent and ensure you are comfortable with the information we plan to publish on our website prior to publishing it. If at any time you would like your testimonial removed from our website, please contact us and we will remove it.
Your Access to Your Information
Subject to certain restrictions that are available at law, you are entitled to see what personal information we have on you. We are entitled to charge a reasonable fee to gather and deliver that information to you. As well, at your request, KNISPO will update your personal information if it is incorrect.
Retention of Information
Our site is designed for people over the age of 18. When you identify that your child has given us personal information please inform us and we will remove their email from our system.
We may require that all communications relating to a withdrawal or variation of consent or a request to review or update personal information be made in writing, signed and delivered to us at an address that we may provide.