alternative format - Means a format that allows a person with a sensory disability to read or listen to the personal information.

Bank - For the purposes of this code, 'the Bank' includes The Bank of Nova Scotia and Scotia Mortgage Corporation, the Bank's mortgage subsidiary

collect - To gather, receive, or record personal information, from any source, by any means.

Commissioner - Means the Federal Privacy Commissioner.

Court - Means the Federal Court - Trial Division

consent - Voluntary agreement. Consent can be express, implied, or provided through an authorized representative. A customer can express consent orally, in writing or electronically. Express consent is unequivocal and does not require inference by the Scotiabank Group Member. Implied consent arises where consent may reasonably be inferred from the action or inaction of the customer.

customer - An individual who uses, or applies to use, the Scotiabank Group Member's products or services.

direct marketing - Promotions targeted to customers whose personal information suggests that a certain product may be of interest to them. This includes mail, telemarketing or electronic mail initiatives. This does not include statements, statement stuffers, messages on banking machines, announcements on electronic bulletin boards or web-sites, through personal bankers or customer relationship management.

disclose - To make personal information available outside the Scotiabank Group Member.

personal information - Information about an identifiable individual customer of the Scotiabank Group Member. This may include, without limitation, the individual's name, address, age, gender, identification numbers, income, employment, assets, liabilities, source of funds, payment records, personal references and health records. Personal information may also identify whether or not credit or other services were extended and to whom the Scotiabank Group Member disclosed the information. Personal information does not include the name, title or business address or telephone number of an employee of an organization.

personal health information - Means information concerning: the physical or mental health of an individual; any health service provided to an individual; a donation by an individual of any body part or any bodily substance or information derived from the testing or examination of any body part or bodily substance; or information that is collected in the course of, or incidently to, providing health services to an individual.

record - Includes any entries in the books or records made in the usual and ordinary course of business of a Scotiabank Group Member, any correspondence, memorandum, book, plan, map, drawing, diagram, pictorial or graphic work, photograph, film, microform, sound recording, videotape, machine-readable record and any other documentary material regardless of physical or electronic form or characteristics, and any copy of any of these things that are in the possession or custody of a Scotiabank Group Member.

Scotiabank Group - For the purposes of this code means collectively the Bank and all the Bank's subsidiaries with respect to their operations in Canada.

Scotiabank Group Member - For the purposes of this code, means the Bank or any one of its subsidiaries, with respect to its operations in Canada.

third party - An individual or organization other than the Scotiabank Group Member itself.

use - To manage personal information by and within the Scotiabank Group Member.