Scotiabank will make a reasonable effort to make sure customers understand how their personal information will be used by Scotiabank. Scotiabank will obtain consent from its customers before or when it collects or uses the personal information. Scotiabank will not attempt to deceive a customer into giving consent.
A customer's consent can be express, implied, or given through an authorized representative. A customer can withdraw consent at any time, with certain exceptions.
Scotiabank may collect, use or disclose personal information without the customer's knowledge or consent in exceptional circumstances where such collection, use or disclosure is permitted or required by law.
3.1 Scotiabank will make a reasonable effort to make sure customers understand how the personal information will be used and disclosed by Scotiabank. It will get the customer's consent before or when it collects, uses, or discloses personal information.
Generally, Scotiabank will seek consent to use and disclose personal information at the same time it is collected. Sometimes, however, Scotiabank may identify a new purpose and it will seek consent to use and disclose personal information for that purpose after the information has been collected.
3.2 Scotiabank will not obtain consent through deceptive practices. It will explain to customers how personal information will be used before they give their consent, except where applicable laws do not require consent.
3.3 Customers can give consent orally, in writing or electronically. They can imply consent through action or inaction. They can also give consent through an authorized representative. Express consent is the preferred form.
Customers can grant consent:
Customers can grant implied consent by:
Customers can also give consent through an authorized representative, such as a legal guardian or a person with a power of attorney. This is necessary, for example, if Scotiabank cannot obtain express consent from a customer who is a minor, seriously ill, or mentally incapacitated.
Before deciding what form of consent is appropriate, Scotiabank will consider the type of personal information it needs, the reason for its use, and the type of customer contact that is involved.
Customers always have the option to withdraw consent to the use of personal information for marketing purposes.
3.4 Scotiabank can collect or use personal information without the knowledge and consent of the customer in exceptional circumstances where such collection or use is permitted or as required by law.
For example, Scotiabank will not ask for consent when personal information is collected used, or disclosed:
3.4.1 Scotiabank can disclose personal information without the knowledge and consent of the customer in exceptional circumstances where such disclosure is permitted or required by law. For example Scotiabank will not ask for consent when personal information is:
3.5 Subject to legal and contractual restrictions, customers can refuse or withdraw consent at any time as long as:
Scotiabank will let the customer know the consequences of refusing or withdrawing consent when customers seek to do so. Refusing or withdrawing consent for Scotiabank to collect, use or disclose personal information could mean that Scotiabank cannot provide the customer with some product, service or information of value to the customer.
For example if a customer does not:
Scotiabank will not, however, unreasonably withhold products, services or information from customers who refuse or withdraw consent.
3.6 Scotiabank may ask customers for government identification numbers to match credit bureau information. When Scotiabank asks a customer for a government identification number for this purpose, it will:
Scotiabank will not deny credit to a customer just because the customer does not provide a government identification number.
3.7 Should Scotiabank be involved in the provision of an insurance product, Scotiabank may ask a customer for the name of their attending physician in order to obtain additional medical information when necessary for the underwriting of insurance coverage or the adjudication of an insurance claim. When Scotiabank asks a customer for this information, it will: