To
comply with government and legal requirements,
Cambridge must gather certain client identification
and other information. We assure you that
we do so for these reasons, and that we
protect and safeguard that information to
the utmost.
Privacy Officer
| Our Security Privacy
& Confidentiality Pledge Privacy
Policy Notice (FTC)
Privacy
Officer
In
accordance with the requirements of the
FTC Rule on Privacy of Financial Information
and Canada’s Protection of Personal
Information and Electronic Documents Act
(PIPEDA), to ensure adherence to the principles
of these laws, and to provide you with a
contact who can investigate and if necessary
intervene on your behalf on privacy issues,
Cambridge has appointed as its Privacy Officer:
Kenneth H. Saul, B.A., LL.B., General
Counsel.
If
you wish to:
- enquire about or discuss our policies
on privacy, confidentiality or security;
-
request what nonpublic personal information
that Cambridge has on file regarding you;
-
have access to your nonpublic personal
information that Cambridge has on file;
-
challenge the completeness or accuracy
of such information and to request amendment;
-
file a complaint about Cambridge’s
privacy compliance or failure to comply;
you may contact the Cambridge Privacy Officer
to do so.
Mr.
Saul may be contacted directly at 25 Adelaide
Street East, 20th Floor, Toronto, ON Canada
M5C 3A1, Direct Telephone: (416) 649-4170,
Direct Fax: (416) 362-6829, eMail: ksaul@cambridgefx.com,
or you may contact him through our US General
Manager, Leslie George, 5 Vaughn Drive,
Suite 307, Princeton, NJ 08450-6313, Telephone:
(609) 452-5000, Fax: (609) 452-5010, eMail:
lgeorge@cambridgefx.com;
or in Canada, you may contact him through
Mary F. Lane, Risk Manager, 25 Adelaide
Street East, 20th Floor, Toronto, ON Canada
M5C 3A1, Direct Telephone: (416) 645-4658,
Direct Fax: (416) 642-0123, eMail: mlane@cambridgefx.com.
Your
Personal Information is Secure
We
know how concerned you are with the confidentiality
of your sensitive personal information.
It's our top priority too. That's why we've
taken all necessary steps to implement policies
and procedures to protect your personal
information.
To put your mind at ease, please read how
we collect and use your personal information
to maintain its confidentiality and accuracy.
You'll also learn how you can verify the
accuracy of information regarding your relationship
with us.
Please
note: this disclosure applies to
former Cambridge customers as well as existing
customers.
How We Obtain Personal Client Information
We collect nonpublic personal information
about our clients from the following sources:
-
Information we receive from applications.
-
Information about transactions with us.
- Information
we receive from a Consumer Reporting Agency.
- Information
we receive from others, who clients authorize
us to contact, to review applications
or transactions with us.
How
we maintain Personal Client Information
We also maintain various types of information
including:
- Identifying
information, such as Tax ID, jurisdiction
of incorporation, names, addresses, and
passwords.
- Information
regarding credit worthiness provided to
us on application.
- Account
activity information.
Personal
Client Indentification Information and our
Web policies
When you visit our Web sites, we will not
collect any personal ID information about
you (such as your name, address, telephone
number, social security number, billing
and shipping information, credit card information
or e-mail address) unless you provide it
to us voluntarily.
In addition, some portions of our Web site
invite visitors to submit names, e-mail
addresses or addresses of others in connection
with certain promotions or offers (including
offers to purchase products online or information).
If you opt not to provide us with personal
ID information, no material consequences
will result. However, you may be unable
to participate in certain promotions, receive
product information, or buy products offered
through our Web site or our offices.
Contact
us regarding your Personal Information
If you would like to have previously submitted
information deleted from our Web-based marketing
databases, please contact us via e-mail
at info@Cambridgefx.com,
or send a letter to our Privacy Compliance
Coordinator at 25 Adelaide Street, Suite
2000, Toronto Ontario M5C 3A1 or to our
US General Management at 5 Vaughn Drive,
Suite 307, Princeton, NJ 08540-6313.
You may also contact us through either of
the above methods to request the personal
informationI we have collected with regard
to you and your account. We will use reasonable
efforts to supply you with this important
information and correct any factual inaccuracies
in this information.
Disclosure to Nonaffiliated Third Parties
Cambridge will not sell or provide your
personal information to any third parties
for their independent use. However, we may
disclose information about you, including
nonpublic personal information, to nonaffiliated
third parties (persons or companies who
do not own or control, are not owned or
controlled by, or are not under common control
with Cambridge) as described below:
- Legally
Required Disclosure: We may use all of
the information we collect, as described
above, to satisfy legal requirements.
For example, we may use your social security
number or Tax ID number for income tax
reporting purposes. We will also share
your nonpublic personal information with
government agencies and authorized enforcement
investigators as required or allowed by
law, including in order to comply with
applicable government reporting or legal
process (such as court orders, subpoenas,
or government requests, and current anti-money
laundering legislation). We do so where
it is reasonable for us to believe this
request is legitimate and valid or we
are required to do so.
- Disclosure
with your consent. We may disclose the
information that we collect, as described
above, with any person when you have provided
your written consent for us to do so,
including when you give someone a power
of attorney or other authorization to
act on your behalf.
Disclosure
Concerns:
- Disclosure
to service providers.
We do not disclose information
we collect, as described above, to companies
that provide financial services for us.
- Disclosure
for marketing purposes.
We do not disclose information
we collect, as described above, to companies
that perform marketing services on our
behalf or to other financial institutions
with whom we have joint marketing agreements.
- Disclosure
to consumer reporting (credit reporting)
agencies.
We do not disclose information
relating to our transactions or experiences
with you to consumer reporting agencies
and similar organizations.
- Account
Information.
In no event will we share your account
information, whether on or offline, with
third parties.
Secure
Electronic Exchange
The security of your accounts and your information
is of utmost importance to us. We consider
your trust one of our most valuable assets.
Together with our technology partners, we
are committed to providing you with the
most secure environment possible.
PRIVACY
POLICY NOTICE
(Pursuant
to FTC Final Rule on Privacy of Consumer
Financial Information, the Fair Credit Reporting
Act and the Gramm-Leach-Bliley Act) &
(Pursuant to the Personal Information Protection
and Electronic Documents Act, Canada (PIPEDA)
)
We collect nonpublic personal information
about you from the following sources:
- information we receive from you on applications
or other forms;
- information about your transactions with
us, our affiliates, or others; and
- information we may receive from a consumer
reporting agency.
We
may disclose nonpublic personal information
about you to the following types of third
parties:
- financial service providers, such as bankers,
in order to carry out required institutional
risk control, and/or to carry out our services
to you that you have requested;
- computer services consultants and technicians
or other security and compliance consultants
in order to ensure the protection of the
confidentiality and security of your records;
and
- financial services providers to protect
against or prevent actual or potential fraud,
unauthorized transactions, claims, or other
liability.
We may also disclose nonpublic personal
information about you to nonaffiliated third
parties as permitted or required by law.
If
you prefer that we not disclose nonpublic
personal information about you to nonaffiliated
third parties, you may opt out of those
disclosures, that is, you may direct us
not to make those disclosures (other than
disclosures permitted by law). If you wish
to opt out of disclosures to nonaffiliated
third parties, you may call the following
toll free numbers:
In the USA: (866) 397-2837
- ask for Leslie George, General Manager
or Susan Mack;
In Canada: (800) 374-8077
- Ask
for Mary Lane, Risk Manager, or Kenneth
Saul, General Counsel/Privacy Officer
We
restrict access to nonpublic personal information
about you to those employees who need to
know that information to provide products
or services to you. In the event that we
must disclose such information to financial
service providers, computer services consultants
or technicians or other security and compliance
consultants, we do so only under strict
confidentiality and non-disclosure restrictions
set out in a written undertaking that such
consultant(s) are required to sign in advance.
We maintain physical, electronic, and procedural
safeguards that comply with federal regulations
to guard your nonpublic personal information.
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